On July 30, 2026, the OCC issued Bulletin 2026-34, Community Bank use Ratio: Updated Community Bank Compliance Guide. The bulletin updates supervisory guidance tied to the community bank use ratio framework.
What changed
The OCC refreshed its community bank use ratio guide. The change appears to be an update to existing supervisory materials rather than a new capital rule.
Compliance perspective
Banks using or evaluating the community bank use ratio should compare the revised guide against current capital reporting and board materials. Internal policy references and training documents may need updates to match the new guide language.
Key date
Effective date: July 30, 2026.
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