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%.
What changed
The minimum use ratio was revised and grace-period rules for compliance were adjusted.
Compliance perspective
Community banks must adjust their compliance strategies based on the new use ratio requirements.
Key date
Effective date: July 1, 2026.
Need help keeping up with these changes?
Tell us where you operate and what licenses you hold; we'll handle the filings and renewals so changes like this do not catch you off guard.