Small Bank Examination Frequency Thresholds
Current understanding
To be populated as evidence accumulates.
Evidence log
- 2026-06-02 — Farm Credit Adjustment Act: cross-connection with farm-credit-system-examination: Both bills extend safety-and-soundness exam cycles for low-risk regulated institutions — HR5010 for Farm Credit System institutions (18→24 months) and the small-bank threshold rules for community banks and credit unions. (novelty: 2)
- 2026-01-13 — Farm Credit Adjustment Act: cross-connection with farm-credit-system-examination: Both proposals extend safety-and-soundness exam cycles for low-risk regulated institutions (Farm Credit System vs. small depository institutions), reflecting a parallel policy trend toward risk-based exam intervals. (novelty: 2)
- 2026-04-20 — Main Street Act: cross-connection with main-street-capital-access-act: Both raise asset thresholds and tailor examination/supervisory burdens for community and small depository institutions. (novelty: 3)
- 2026-05-13 — TRUST Act of 2025: TRUST Act of 2025 (HR4478), introduced, would raise the asset threshold for well-capitalized, well-managed insured depository institutions to qualify for less frequent federal examinations from under $3 billion to under $6 billion. (novelty: 2)