Answer:
Yes, in part. For example, institutions evaluated under the Retail Lending Test must have a Bank Volume Metric of 30 percent or greater of the Market Volume Benchmark in order to qualify for a recommended Retail Lending Test conclusion of “Outstanding,” “High Satisfactory,” or “Low Satisfactory” in a facility-based assessment area. A similar process is used for the Retail Services and Products Test. There is still significant examiner discretion in the assignment of ratings. The result is not strictly performance based.
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