Community Bank Regulatory Thresholds
Position Summary
Many regulatory thresholds are static and have not kept pace with inflation, economic growth, or broader changes to the industry. As community banks grow and cross these static thresholds, they become subject to more complex and costly compliance requirements that divert resources away from lending and community investment. Updating these thresholds, and then indexing them going forward, would ensure that regulations continue to meet their intended scope and purpose.

Community Bank Regulatory Thresholds News

Blog post

Adjusting Outdated Regulatory Thresholds Helps Community Banks

Static and outdated regulatory thresholds impede a dynamic banking system and can create unnatural barriers that limit a community bank’s growth. State supervisors consistently have called on federal policymakers – whether before Congress or the federal regulatory agencies – to update rules and supervisory approaches to account for economic growth and changes in the banking industry. This week, CSBS stated
September 25, 2025
Press Room

FSOC State Banking Supervisor Representative Commissioner Lise Kruse Statement

Washington, D.C. — North Dakota Department of Financial Institutions Commissioner and Financial Stability Oversight Council (FSOC) State Banking Supervisor Representative Lise Kruse statement from today’s FSOC meeting: "I would like to start by commending Secretary Bessent, along with the federal banking agencies, for their attention to this important issue. On
September 10, 2025
Press Room

“Preserving America’s Community Banks”

“Preserving America’s Community Banks” Conference of State Bank Supervisors President and CEO Brandon Milhorn Remarks ICBA Capital Summit May 14, 2025 Introduction It is exciting to be here at the ICBA Capital Summit, and energizing to be in a room full of community bankers willing to come to Washington, D.C
May 14, 2025
Press Room

Community Banks Need Tailored Rules to Thrive

Washington, D.C. – In testimony today before the House Financial Services Committee, Arkansas Bank Commissioner Susannah Marshall warned that without collective action from Congress and the federal banking agencies, the nation will continue to lose community banks, threatening banking access for millions of Americans – especially those in rural and
February 5, 2025

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