For anti-redlining regulation purposes in 2026, a small bank will be defined as having assets under $1.629 billion, and an intermediate small bank will be defined as having assets of at least $412 million and under $1.649 billion, two banking agencies announced Tuesday.
The Federal Reserve and the Federal Deposit Insurance Corp. (FDIC) said the 2026 updated Community Reinvestment Act (CRA) “small bank” and “intermediate small bank” asset-size thresholds apply to institutions that have reached those assets levels as of Dec. 31 of either of the prior two calendar years.
The agencies set the levels annually. They are based on the average change in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), a measure of inflation. For the period ending in November 2025, the CPI-W increase was a 2.51% increase, the agencies said.
The new thresholds take effect Jan. 1 and run through Dec. 31, 2026.
Federal Register notice: Community Reinvestment Act Regulations Asset-Size Thresholds (PDF)
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