Many regulatory thresholds for reporting and compliance were set decades ago and have not kept pace with inflation, economic growth, or industry trends. As community banks grow, they are increasingly subject to complex requirements designed for larger institutions. This misalignment creates disproportionate compliance costs that divert resources away from lending and community investment. Updating and indexing thresholds going forward would ensure that regulatory requirements remain risk-appropriate, scalable, and aligned with the community bank business model.