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Board of Governors of the Federal Reserve System
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Board of Governors of the Federal Reserve System

Supervisory Policy and Guidance Topics

Community Banking

Community banks serve businesses and consumers throughout the country, in both rural and urban areas, and are leading provider of credit to small businesses. In general, community banks can be defined as those owned by organizations with less than $10 billion in assets. Regional and community banking organizations constitute the largest number of banking organizations supervised by the Federal Reserve System.
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Policy Letters

Community Banking

SR 13-10
Format for Safety-and-Soundness Reports of Examination and Inspection for Community State Member Banks and Holding Companies Rated Composite "4" or "5"
SR 13-5
Revisions to the Required Data Fields for the Interagency Loan Data Request
SR 11-14
Supervisory Expectations for Risk Management of Agricultural Credit Risk
SR 10-17
Underwriting Standards for Small Business Loans Originated under the Small Business Lending Fund Program
SR 02-19
Use of Statistical Sampling in the Review of Commercial and Industrial Loans and Commercial Real Estate Loans during On-Site Safety and Soundness Examinations of Community Banks
SR 01-19 (SUP)
Reports of Examination of Community Banking Organizations
SR 99-25 (SUP)
Minimum Documentation Standards for Loan Line Sheets
SR 98-9 (SUP)
Assessment of Information Technology in the Risk-Focused Frameworks for the Supervision of Community Banks and Large Complex Banking Organizations
SR 97-25 (SUP)
Risk-Focused Framework for the Supervision of Community Banks
 

Additional Resources

 

Manual References

  • Commercial Bank Examination Manual
    • Section 2140.1, "Agricultural Loans"
    • Section 2082.1, "Loan-Sampling Program for Certain Community Banks"
    • Section 6003.1, "Community Bank Examination Report"
Last update: April 25, 2013