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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

Press Releases

Joint Release

For Immediate Release
December 19, 2014

Agencies Release Annual CRA Asset-Size Threshold Adjustments for Small and Intermediate Small Institutions

WASHINGTON—The federal bank regulatory agencies today announced the annual adjustment to the asset-size thresholds used to define small bank, small savings association, intermediate small bank, and intermediate small savings association under the Community Reinvestment Act (CRA) regulations.

The annual adjustments are required by the CRA rules. Financial institutions are evaluated under different CRA examination procedures based upon their asset-size classification. Those meeting the small and intermediate small asset-size threshold are not subject to the reporting requirements applicable to large banks and savings associations.

Annual adjustments to these asset-size thresholds are based on the change in the average of the Consumer Price Index (CPI) for Urban Wage Earners and Clerical Workers, not seasonally adjusted, for each 12-month period ending in November, with rounding to the nearest million.

As a result of the 1.60 percent increase in the CPI index for the period ending in November 2014, the definitions of small and intermediate small institutions for CRA examinations will change as follows:

These asset-size threshold adjustments are effective January 1, 2015. The agencies will publish the adjustments in the Federal Register. In addition, the agencies will post a list of the current and historical asset-size thresholds on the website of the Federal Financial Institutions Examination Council (

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Media Contacts:
Federal Reserve Board Susan Stawick 202-452-2955
FDIC LaJuan Williams-Young 202-898-3876
OCC William Grassano 202-649-6870

FDIC: PR-111-2014

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