If a bank is now an ISB, but is being examined as a small bank, does the CRA Public File have to contain the loan to deposit ratio?

I thought the Public File was supposed to be current as to what the bank is currently.

Thanks in advance.

(3) Small banks. A small bank or a bank that was a small bank during the prior calendar year shall include in its public file:

(i) The bank's loan-to-deposit ratio for each quarter of the prior calendar year and, at its option, additional data on its loan-to-deposit ratio;

We met the ISB threshold in Dec 2022, so I am thinking it does not need to be included.
Is it an issue if it is included? I don't want it to be viewed that we do not understand what the contents of the public file should be.

228.43(a)(7) Any other information the bank chooses.

Thank you, Randy.

Keep in mind that (under the old/current CRA framework) an ISB is a small bank. An ISB is just a type of small bank. Therefore, ISB's are small banks and must include the loan-to-deposit ratios in their public file.

The definition:
(u) Small bank--

(1) Definition. Small bank means a bank that, as of December 31 of either of the prior two calendar years, had assets of less than $1.564 billion. Intermediate small bank means a small bank with assets of at least $391 million as of December 31 of both of the prior two calendar years and less than $1.564 billion as of December 31 of either of the prior two calendar years.

And the requirement for the public file:
(3) Small banks. A small bank or a bank that was a small bank during the prior calendar year shall include in its public file:

(i) The bank's loan-to-deposit ratio for each quarter of the prior calendar year and, at its option, additional data on its loan-to-deposit ratio;

Thank you, Adam.

Adam has it correctly.