Banks Get New Size Labels Under Inflation-Boosted CRA Thresholds
Published Date: 1/7/2026
Notice
Summary
Starting January 7, 2026, banks with less than $1.649 billion in assets are now called "small banks," and those with assets between $412 million and $1.649 billion are "intermediate small banks." These new thresholds are bumped up a bit to keep up with inflation, affecting how banks are classified under the Community Reinvestment Act for the whole year. This means some banks might see changes in their rules and reporting starting in 2026.
Analyzed Economic Effects
1 provisions identified: 0 benefits, 0 costs, 1 mixed.
CRA bank-size thresholds raised
Starting January 7, 2026 and through December 31, 2026, a "small bank" is a bank that had assets of less than $1.649 billion as of December 31 of either of the prior two calendar years, and an "intermediate small bank" is a small bank with assets of at least $412 million (as of December 31 of both of the prior two calendar years) but less than $1.649 billion. These thresholds were increased from $1.609 billion and $402 million after applying a 2.51% change in the CPI-W for the 12-month period ending November 2025, and the Agencies say some banks may see changes in their rules and reporting starting in 2026.
Your PRIA Score
Personalized for You
How does this regulation affect your finances?
Sign up for a PRIA Policy Scan to see your personalized alignment score for this federal register document and every other regulation we track. We analyze your financial profile against policy provisions to show you exactly what matters to your wallet.
Key Dates
Department and Agencies
Take It Personal
Get Your Personalized Policy View
Start a Free Government Policy Watch to see how policy affects your household, then upgrade to PRIA Full Coverage for year-round monitoring.
Already have an account? Sign in