Bank Analysis School April 2025

Internal Use Only

Capital as measured using a leverage ratio, in combination with strong bank examinations and supervision practices, is the best means to ensure sound banks, a safely funded insurance system, and a strong economy. “ ” Former FDIC Vice Chairman Thomas Hoenig

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Internal Use Only

Community Bank Leverage Ratio

9% Tangible Equity to Total Assets

Exempts approximately 80% of community banks from calculating risk-based capital

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