Community Banking Initiative
Community banks play a vital role in the functioning of the U.S financial system and the broader economy, from lending to small business owners and farmers, to providing critical banking services in small towns and rural communities across the nation. As the lead federal regulator for community banks, the FDIC monitors industry trends and provides technical assistance in a variety of ways, including training videos, research, and workshops. Research published to this site is based on data available as of the date of publication. These data are subject to periodic revision and update.
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Community Banking Leverage Ratio (CBLR)
The community bank leverage ratio (CBLR) framework is an optional framework that is designed to reduce burden by removing the requirements for calculating and reporting risk-based capital ratios for qualifying community banking organizations that opt into the framework. The framework provides a simple measure of capital adequacy for qualifying community banking organizations, consistent with section 201 of the Economic Growth, Regulatory Relief and Consumer Protection Act.
- FACT SHEET: FACT SHEET: Overview of the Community Bank Leverage Ratio Framework
- CBLR GUIDE: Community Bank Compliance Guide
- Press Release: FDIC Finalizes Rules to Simplify Capital Calculation for Qualifying Community Banking Organizations and to Early Adopt Certain Related Simplifications to the Regulatory Capital Requirements
September 5, 2019
Quarterly Banking Profile
Second quarter 2019 comprehensive summary of financial results for all FDIC-insured institutions.
- Community Bank Performance Section - Second Quarter 2019
- Community Bank Search
Community Bank Search results have been updated to reflect community bank designations as of December 31, 2018.
- Study Reference Data
The Community Banking Reference Data have been updated to reflect community bank designations as of December 31, 2018, as well as structural changes that occurred during the fourth quarter of 2018.