The CRA regulations provide five evaluation methods. Three are based on a bank's size, one is based on a bank's business strategy, and one is an option that any bank can take advantage of, regardless of size or business strategy.
- Small Bank (size)
- Intermediate Small Bank (size)
- Large Bank (size)
- Community Development Test for Wholesale and Limited Purpose Banks (business strategy)
- Strategic Plans (open to any bank)
Evaluation Methods by Bank Size
The table below shows the three types of size-based evaluation methods and their respective asset thresholds and evaluation components.
|Evaluation method||Bank asset threshold**||Evaluation components required|
|Large bank||$1.252 billion or greater||Lending test
|Intermediate small bank||At least $313 million but less than $1.252 billion||Lending test
Community development test
|Small bank||Less than $313 million||Streamlined lending test|
**For more information about the Community Reinvestment Act Asset-Size Threshold changes and how to apply asset thresholds, please refer to the FFIEC website.
Alternative Evaluation Methods
With approval from its regulator, a bank may opt to be evaluated based on one of the following alternative methods: