Community Banking

Community banks serve businesses and consumers throughout the country, in both rural and urban areas, and are leading providers 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

Third-Party Risk Management:  A Guide for Community Banks

Interagency Guidance on Third-Party Relationships: Risk Management

Interagency Statement on the Community Bank Leverage Ratio Framework

Community Bank Access to Innovation through Partnerships

Guide for Community Banking Organizations Conducting Due Diligence on Financial Technology Companies

Highlighting the Federal Reserve System's Partnership for Progress Program for Minority Depository Institutions and Women's Depository Institutions

Supervision of De Novo State Member Banks

Small Business Administration (SBA) and Treasury Small Business Loan Programs

Joint Statement on Adjustment to the Calculation for Credit Concentration Ratios Used in the Supervisory Approach

Bank Exams Tailored to Risk (BETR)

Federal Financial Institutions Examination Council Policy Statement on the Principles for Completing the Report of Examination

Communication Expectations for Community Bank Examinations and Inspections

Supervisory Rating System for Holding Companies with Total Consolidated Assets Less Than $100 billion

Joint Statement on Innovative Efforts to Combat Money Laundering and Terrorist Financing

Updates to the Expanded Examination Cycle for Certain State Member Banks and U.S. Branches and Agencies of Foreign Banking Organizations

Timing Expectations for the Completion of Safety-and-Soundness Examination and Inspection Reports for Regional Banking Organizations

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 $100 Billion

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

Inspection Frequency and Scope Expectations for Bank Holding Companies and Savings and Loan Holding Companies that are Community Banking Organizations

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

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

Supervisory Expectations for Risk Management of Agricultural Credit Risk

Minimum Documentation Standards for Loan Line Sheets

Additional Resources

Manual References

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Last Update: May 26, 2020