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Action required OCC Aug 5, 2026

Community Bank use Ratio: Updated Community Bank Compliance Guide

The OCC issued an updated compliance guide regarding the Community Bank use Ratio framework, aimed at simplifying regulatory compliance for community banks.

The OCC issued an updated compliance guide regarding the Community Bank use Ratio framework, aimed at simplifying regulatory compliance for community banks.

What changed

The guidance was revised to reflect updated practices and expectations for compliance with the use ratio requirements.

Compliance perspective

Community banks should review the updated guide to ensure compliance with the most current regulatory expectations and practices.

Key date

Effective date: July 30, 2026.

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    Community Bank use Ratio: Updated Compliance Guide

    The OCC, Federal Reserve, and FDIC updated the Community Bank use Ratio compliance guide to reflect changes effective July 1, 2026. The minimum use ratio for qualifying community banking organizations has been lowered from greater than 9% to greater than 8%.