The Federal Deposit Insurance Corporation (FDIC) has released its list of financial institutions set for Community Reinvestment Act (CRA) examinations in the fourth quarter of 2025. The CRA, enacted in 1977, requires the FDIC to evaluate how well banks are meeting the credit needs of their communities, including those in low- and moderate-income areas, while maintaining safe and sound operations.
According to the FDIC, these examinations are scheduled based on a bank’s asset size and its previous CRA rating. Institutions with $250 million or less in assets that have received a Satisfactory rating may be examined no more than once every 48 months unless there is reasonable cause. Those with an Outstanding rating may be examined no more than once every 60 months under similar conditions.
The schedule for October 1 through December 31, 2025, is based on current information but could change. Some banks not listed may still be examined if they apply for a deposit facility or if examination resources need to be reallocated. If any changes occur, updates will appear on future schedules.
Federal regulators encourage public comment regarding institutions slated for review. “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,” according to the FDIC statement.
The full schedule is available as an attachment and can also be requested by phone at (703) 562-2200 or (877) 275-3342, by fax at (703) 562-2296, or by writing to the FDIC Public Information Center at their Arlington address.
