Notice of Annual Adjustment of the Cap on Average Total Assets That Defines Community Financial Institutions
Published Date: 1/15/2025
Notice
Summary
Starting January 1, 2025, community financial institutions (CFIs) can now have up to $1.5 billion in average total assets to qualify for special benefits from the Federal Home Loan Bank. This cap went up from last year’s $1.46 billion, following inflation changes. If your bank is a CFI, this means more room to grow and keep enjoying those perks!
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
CFI Asset Cap Raised to $1.5B
As of January 1, 2025, the cap on average total assets that defines a community financial institution (CFI) is $1,500,000,000. Any FDIC-insured depository institution with average total assets below $1,500,000,000 meets the statutory CFI cap and therefore qualifies for the CFI advantages described in the Federal Home Loan Bank Act, including advantages in Bank membership, the purposes for which they may receive long-term advances, and the collateral they may pledge to secure advances.
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