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“Small Intermediate” vs. “Small” bank, that is the question!

What are the differences in performance standards between a “small” bank and an “intermediate small” bank?

Small banks are only subject to the five elements of the lending test including loan-to-deposit ratio, percentage of loans in the bank’s assessment area, record of lending to businesses and farms of different sizes, geographic distribution of loans, and record of taking action in response to written complaints. Small-intermediate banks have to meet the same five elements of lending but are also subject to the community development test.


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Community Reinvestment Act - Review and Update

First published on 09/24/2017

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