FFIEC: Agencies Release List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies
Federal bank regulatory agencies today released the 2026 list of certain geographies where certain bank activities are eligible for Community Reinvestment Act (CRA) credit. Under the CRA, the agencies assess a bank’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operations. The list…
FDIC: Notice of Proposed Rulemaking Issued on Disclosure of Information for Appropriate Business Purposes
On June 25, 2026, the FDIC Board of Directors approved a notice of proposed rulemaking that would amend the FDIC’s Rules and Regulations governing the disclosure of information. The proposed rule would provide insured depository institutions (IDIs) with more flexibility to share confidential supervisory information for appropriate business purposes. In addition, the proposed rule would…
Agencies Remove Additional References to Reputation Risk
The federal bank regulatory agencies today jointly updated certain interagency documents to remove references to reputation risk. The agencies are taking this action to complement their earlier actions that ended the use of reputation risk in supervision. As the agencies have previously noted, reputation risk can be misused by supervisors as a basis to encourage…
FDIC: Summary of Deposits Survey and Filing for June 30, 2026 Data Collection Begins
Summary: The Summary of Deposits (SOD) is the annual survey of branch office deposits as of June 30, 2026 for all FDIC-insured institutions, including insured U.S. branches of foreign banks. All institutions with branch offices are required to submit the survey; institutions with only a main office are exempt. All survey responses are required by…
FDIC: CRA Examination Schedules for Third Quarter 2026 and Fourth Quarter 2026 Issued
The Federal Deposit Insurance Corporation (FDIC) today issued the lists of institutions scheduled for a Community Reinvestment Act (CRA) examination during the third quarter 2026 and fourth quarter 2026. CRA regulations require each federal bank and thrift regulator to publish its quarterly CRA examination schedule at least 30 days before the beginning of each quarter. …
FDIC: Staff Study Released of Deposit Flows at Three Failed Banks in Spring 2023
Study focuses on depositor flight at Silicon Valley Bank, Signature Bank, and First Republic Bank The Federal Deposit Insurance Corporation (FDIC) today released “Dissecting Depositor Flight: An Analysis of the Spring 2023 Bank Failures,” a detailed staff study of deposit flows at three banks that failed in the spring of 2023. Using transaction-level data from…
Agencies Issue Host State Loan-to-Deposit Ratios
Federal bank regulatory agencies today jointly issued updated host state loan-to-deposit ratios, as required by law. Each ratio compares the total loans in a state to total deposits in the state for all banks that are legally operating in that state. These ratios replace those issued in May 2025. By law, a bank is generally prohibited…