Agencies announce 2025 updated CRA asset-size thresholds

The FDIC, OCC, and Federal Reserve Board have jointly announced the 2025 updated Community Reinvestment Act (CRA) "small bank" and "intermediate small bank" asset-size thresholds.

As a result of the 2.91 percent increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) for the period ending in November 2024, the CRA asset-size thresholds for small banks and intermediate small banks are:

• A small bank is an institution that, as of December 31 of either of the prior two calendar years, had assets of less than $1.609 billion.
• An intermediate small bank is a small institution with assets of at least $402 million as of December 31 of both of the prior two calendar years and less than $1.609 billion as of December 31 of either of the prior two calendar years.

These thresholds are in effect from January 1, 2025, through December 31, 2025. A list of the current and historical asset-size thresholds is available here.

• Federal Register Notice