Supervisory Policy and Guidance Topics
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 BankingInteragency 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
- Community Banking Connections
- Capital Rule Community Bank Guide (PDF) (July 2013)
- Community Bank Leverage Ratio Framework: Community Bank Compliance Guide (PDF) (October 2019)
Manual References
- Commercial Bank Examination Manual
- Section 1001.1, “Community Bank Supervision Process”