CRA: Intermediate Small Banks (ISBs) (+ Manual)

The Community Reinvestment Act seeks to ensure that banks and savings associations are meeting the credit needs and development of their entire community, including low- and moderate-income individuals and areas.  Generally, institutions are evaluated based on asset size, with the “medium” sized institutions being referred to as “intermediate small banks” (ISBs).

CRA: Intermediate Small Banks (ISBs) provides a 3-hour in-depth review of the current CRA rules as they pertain to ISBs and a brief overview of the revised regulations, currently effective January 1, 2026.

During the seminar, we will discuss the following topics:

• Activities that qualify for CRA “credit”
• Community development test
• Small bank lending test
• Assessment area delineation
• Importance of performance context
• Record keeping, including the “CRA LAR”
• Transitioning from a small bank to an ISB, or from an ISB to a large bank
• Overview of the new regulations

Duration:                          3 hours

Level:                                   The seminar is at a basic/intermediate level.

Prerequisites:                  Basic understanding of lending.

Audience:             This program is intended for:

• • • • Financial institution compliance and risk executives and officers, as well as any member of the institution where knowledge or understanding of CRA is important or helpful, including loan officers and loan processors.
      • Examiners and third-party consultants, auditors, and related companies.

Delivery Method:     On-Demand/Virtual

Materials:                   Manual and PowerPoint presentation