One of the difficulties with the new data is there are more than 10,000 new census tracts, plus many of the old tracts had their boundaries changed (so their shape and size are different), plus many tracts changed income class and/or minority status changed. If you don't have the ability to map the tracts understanding and analyzing the changes and their effects will be very difficult.
For example, there were 16,801 census tracts designated as moderate-income during 2021. Now, in 2022 that number changes to 19,190 moderate-income tracts. The number of "NA" income tracts increased from 1,319 to 2,358 census tracts. At the same time, low-income tracts decreased from 5,959 to 5,602 tracts.
How dramatically a bank is affected by the changes depends on the location of a bank's assessment area. Each bank will be affected differently depending on the configuration of its assessment areas.
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