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Community Banking Initiative

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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.

August 25, 2020

Quarterly Banking Profile
Second quarter 2020 comprehensive summary of financial results for all FDIC-insured institutions.