On September 10, 2026, the Federal Deposit Insurance Corporation, Federal Reserve Board, Office of the Comptroller of the Currency issued an interim final rule increasing the number of community banks eligible for an 18-month exam cycle.
The 21st Century ROAD to Housing Act increased the total asset threshold from $3 billion to $6 billion for certain supervised institutions to qualify for an extended 18-month on-site exam cycle. Extending the exam cycle for these small non-complex firms from 12 months to 18 months. The extended cycle applies to small banks with relatively low-risk profiles, but the agencies would continue the current supervisory practice of offsite monitoring between scheduled exams.
