The Correct Balance

How do I determine the correct balances or percentages examiners will be looking for in my CD loans, investments and services across my 3 AAs?

The examiners and agencies will not share the levels. You must determine that based upon your assessment of community needs and your bank's actions to meet those needs. You will benefit by reading your competition's CRA public reports to see how many and the types of CD loans, investments and services performed.

I see you mean like doing a comparison of our peers? And doesn't it also have something to do with our tier-1 capital?

If you look at peer exam reports, you can get an idea of how they are being judged. The exams will mention loans, investments etc. as a % of assets, as a % of tier 1 capital, etc. You can then look at a range of banks and see where they are falling for a satisfactory rating.

Thanks:)