OCC Revises Community Bank Leverage Ratio Framework
The OCC issued a revised Community Bank Leverage Ratio (CBLR) framework aimed at supporting community bank capital treatment.
The OCC's revised CBLR framework adjusts the simplified capital regime available to qualifying community banks. Changes may affect eligibility thresholds, reporting obligations, and comparative capital positioning versus non-CBLR peers.
Alters capital adequacy compliance pathways for community banks and affects competitive positioning within US retail banking.
Action Required
Assess CBLR eligibility, recalibrate capital planning, and update regulatory reporting workflows for affected community bank entities.
Capital framework revisions directly affect regulatory capital strategy and reporting for a broad segment of OCC-supervised institutions.
Monitor revised CBLR criteria; validate eligibility, recalibrate capital ratios, and update Call Report processes. Assess strategic capital optionality vs. standardized approach.
“OCC news release announcing a revised Community Bank Leverage Ratio (CBLR) framework as part of continued community bank support efforts.”
Published: 2026-08-02