---
title: Online Bankers Training - 2013 CRA Threshold Updated
description: BCC offers online banking regulations training & consulting - 2013 CRA Threshold Updated
---

[Banker's Compliance Consulting Blog ](https://blog.bankerscompliance.com/en)

# [Online Bankers Training - 2013 CRA Threshold Updated](https://blog.bankerscompliance.com/en/2013-cra-threshold-updated)

 Written by [Amy Kudlacek](https://blog.bankerscompliance.com/en/author/amy-kudlacek) | Dec 27, 2012 11:40:10 AM

January 1st is a day when a lot of changes become effective in the compliance world.  New year, new rules.  The regulatory agencies recently announced the asset-size thresholds for [CRA](http://www.federalreserve.gov/newsevents/press/bcreg/20121219a.htm) was adjusted and will become effective January 1, 2013.

These thresholds determine whether an institution is classified as a small bank, intermediate-small bank or large bank for CRA purposes.  For either of the prior two calendar year-ends (December 31, 2012 & December 31, 2011):

- A “small bank” or “small savings association” means assets less than $1.186 billion.

- An “intermediate small bank” or “intermediate small savings association” means assets of at least $296 million but less than $1.186 billion.

- A “large bank” or “large savings association” means assets of $1.186 billion or more.

We’ve never understood why these definitions have to be so confusing.  Here’s a much easier way to explain it:

| **If a bank. . . .** | **Then it is. . . .** |
| --- | --- |
| has assets under $296 million | a Small Bank |
| has assets of $296 million but less than $1.186 billion | an Intermediate Small Bank |
| has assets of $1.186 billion or more | a Large Bank |

Published  
 2012/12/27  
 Amy Kudlacek

[View full post](https://blog.bankerscompliance.com/en/2013-cra-threshold-updated)

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