2025 Regulatory Summit

/ŶƚĞƌŶĂů hƐĞ KŶůLJ

ǀĞƌĂŐĞ ŽŵƉůŝĂŶĐĞ ŽƐƚƐ ĂƐ Ă WĞƌĐĞŶƚĂŐĞ ŽĨ dŽƚĂů džƉĞŶƐĞƐ ďLJ ĂƚĞŐŽƌLJ

ϭϬ ϭϱ ϮϬ Ϯϱ ϯϬ ϯϱ ϰϬ ϰϱ ϱϬ

ǀĞƌĂŐĞ WĞƌƐŽŶŶĞů ŽŵƉůŝĂŶĐĞ ŽƐƚƐ ĂƐ Ă WĞƌĐĞŶƚĂŐĞ ŽĨ dŽƚĂů WĞƌƐŽŶŶĞů ŽƐƚƐ

ϭϰ

ϭϮ

ĐĐŽƵŶƚŝŶŐ

ϭϬ

ϴ

ϲ

ŽŶƐƵůƚŝŶŐ

ϰ

ŽĨ dŽƚĂů džƉĞŶƐĞƐ ;йͿ

>ĞŐĂů

Ϯ

ĂƚĂ WƌŽĐĞƐƐŝŶŐ ǀĞƌĂŐĞ ŽŵƉůŝĂŶĐĞ ŽƐƚƐ ĂƐ Ă WĞƌĐĞŶƚĂŐĞ

Ϭ

ϮϬϭϱ ϮϬϭϲ ϮϬϭϳ ϮϬϭϴ ϮϬϭϵ ϮϬϮϬ ϮϬϮϭ ϮϬϮϮ ϮϬϮϯ ϮϬϮϰ

ŽĨ dŽƚĂů džƉĞŶƐĞƐ ;йͿ

^ŽƵƌĐĞ͗ ^ ^ ŶŶƵĂů ^ƵƌǀĞLJƐ ŽĨ ŽŵŵƵŶŝƚLJ ĂŶŬƐ ;ϮϬϭϱͲϮϬϮϰͿ

WĞƌƐŽŶŶĞů

ǀĞƌĂŐĞ ŽŵƉůŝĂŶĐĞ ŽƐƚƐ ĂƐ Ă WĞƌĐĞŶƚĂŐĞ

Ϭ ϱ

^ŽƵƌĐĞ͗ ^ ^ ŶŶƵĂů ^ƵƌǀĞLJƐ ŽĨ ŽŵŵƵŶŝƚLJ ĂŶŬƐ ;ϮϬϭϱͲϮϬϮϰͿ

ϮϬϭϱ ϮϬϭϲ ϮϬϭϳ ϮϬϭϴ ϮϬϭϵ ϮϬϮϬ ϮϬϮϭ ϮϬϮϮ ϮϬϮϯ ϮϬϮϰ

/ŶƚĞƌŶĂů hƐĞ KŶůLJ

Chart 1: Asset Quartile Cut-offs for Community Banks Responding to the CSBS Annual Surveys

$1,000,000

$900,000

$800,000

$700,000

$600,000

$500,000

$400,000

$300,000

$200,000

dŽƚĂů ƐƐĞƚƐ ;ŝŶ ŵŝůůŝŽŶƐ ŽĨ ĚŽůůĂƌƐͿ

$100,000

$-

2015 2016 2017 2018 2019 2020 2021 2022 2023 2024

25th Percentile

50th Percentile

75th Percentile