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.

Policy Letters

Community Banking

Off-site Review of Loan Files

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

Incorporation of Federal Reserve Policies into the Savings and Loan Holding Company Supervision Program

Inspection Frequency and Scope Requirements for Bank Holding Companies and Savings and Loan Holding Companies with Total Consolidated Assets of $10 Billion or Less

Federal Reserve Resources for Minority Depository Institutions

Timing Standards for the Completion of Safety-and-Soundness Examination and Inspection Reports for Community Banking Organizations

Format for Safety-and-Soundness Reports of Examination and Inspection for Community State Member Banks and Holding Companies Rated Composite "4" or "5"

Revisions to the Required Data Fields for the Interagency Loan Data Request

Supervisory Expectations for Risk Management of Agricultural Credit Risk

Underwriting Standards for Small Business Loans Originated under the Small Business Lending Fund Program

Reports of Examination of Community Banking Organizations

Minimum Documentation Standards for Loan Line Sheets

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"
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Last Update: September 06, 2017