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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 16-8
Off-site Review of Loan Files
SR 16-6
Updates to the Expanded Examination Cycle for Certain State Member Banks and U.S. Branches and Agencies of Foreign Banking Organizations
SR 16-4
Relying on the Work of the Regulators of the Subsidiary Insured Depository Institution(s) of Bank Holding Companies and Savings and Loan Holding Companies with Total Consolidated Assets of Less than $50 Billion
SR 14-9
Incorporation of Federal Reserve Policies into the Savings and Loan Holding Company Supervision Program
SR 13-21
Inspection Frequency and Scope Requirements for Bank Holding Companies and Savings and Loan Holding Companies with Total Consolidated Assets of $10 Billion or Less
SR 13-15 / CA 13-11
Federal Reserve Resources for Minority Depository Institutions
SR 13-14
Timing Standards for the Completion of Safety-and-Soundness Examination and Inspection Reports for Community Banking Organizations
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 01-19 (SUP)
Reports of Examination of Community Banking Organizations
SR 99-25 (SUP)
Minimum Documentation Standards for Loan Line Sheets
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: May 11, 2016