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WASHINGTON—The Federal Deposit Insurance Corporation (FDIC) today issued the list of institutions scheduled for a Community Reinvestment Act (CRA) examination during the first 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.
The Community Reinvestment Act is a 1977 law that requires the FDIC to 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. CRA examinations allow federal regulators to assess an institution's record of helping to meet those needs.
CRA examinations are scheduled based on an institution’s asset size and CRA rating. Absent reasonable cause, an institution with $250 million or less in assets and a CRA rating of Satisfactory can be subject to a CRA examination no more frequently than once every 48 months. Absent reasonable cause, an institution with $250 million or less in assets and a CRA rating of Outstanding can be subject to a CRA examination no more frequently than once every 60 months.
The schedules of institutions to be examined January 1, 2026, through March 31, 2026, is based on the best information now available and is subject to change. For example, a regulated financial institution not otherwise scheduled for an examination may be examined in connection with the application for a deposit facility. Alternatively, some institutions may require more time and resources than originally allotted, thus delaying other scheduled examinations. If an institution is rescheduled for a different quarter, that information will be included on a later list.
Federal bank and thrift regulators encourage public comment on the institutions to be examined under the CRA. Comments about FDIC-supervised institutions should be directed to the institutions themselves or to the Deputy Regional Director of the appropriate FDIC regional office (attached). All public comments received prior to completion of a CRA examination will be considered.
The CRA examination schedule for the first quarter of 2026 is attached. Schedules also can be obtained by calling (703) 562-2200 or (877) 275-3342, faxing a request to (703) 562-2296, or writing to:
FDIC
Public Information Center
3501 Fairfax Drive
Room E-1002
Arlington, VA 22226
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