FDIC Issues CRA Examination Schedules for Q2 and Q3 2026

FDIC Press Releases

Published February 27th, 2026

Detected March 12th, 2026

Summary

The Federal Deposit Insurance Corporation (FDIC) has issued the Community Reinvestment Act (CRA) examination schedules for the second and third quarters of 2026. These schedules outline institutions slated for CRA examinations, which assess banks' records of meeting community credit needs.

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What changed

The Federal Deposit Insurance Corporation (FDIC) has published the Community Reinvestment Act (CRA) examination schedules for the second quarter (April 1 - June 30, 2026) and third quarter (July 1 - September 30, 2026). These schedules are issued at least 30 days prior to the start of each quarter, as required by CRA regulations, and are based on current information, subject to change. The CRA requires federal regulators to assess banks' records of meeting credit needs in their communities, particularly low- and moderate-income neighborhoods.

Regulated financial institutions should note that these schedules are subject to modification. While the FDIC encourages public comment on institutions to be examined, specific actions are not required from regulated entities based solely on this notice. The schedules are available via the provided contact information and links. No compliance deadline is associated with this notice, as it pertains to future examination scheduling.

Source document (simplified)

FDIC Issues CRA Examination Schedules for Second Quarter 2026 and Third Quarter 2026

February 27, 2026 WASHINGTON - The Federal Deposit Insurance Corporation (FDIC) today issued the lists of institutions scheduled for a Community Reinvestment Act (CRA) examination during the second quarter 2026 and third quarter 2026. CRA regulations require each federal bank and thrift regulator to publish its quarterly CRA examination schedule at least 30 days before the beginning of each quarter.

The CRA is a 1977 law that requires the FDIC to assess a bank’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operations. CRA examinations allow federal regulators to assess an institution's record of helping to meet those needs.

CRA examinations are scheduled based on an institution’s asset size and CRA rating. Absent reasonable cause, an institution with $250 million or less in assets and a CRA rating of Satisfactory can be subject to a CRA examination no more frequently than once every 48 months. Absent reasonable cause, an institution with $250 million or less in assets and a CRA rating of Outstanding can be subject to a CRA examination no more frequently than once every 60 months.

The schedules of institutions to be examined April 1, 2026, through June 30, 2026, and July 1, 2026, through September 30, 2026, are based on the best information now available and are subject to change. For example, a regulated financial institution not otherwise scheduled for an examination may be examined in connection with the application for a deposit facility. Alternatively, some institutions may require more time and resources than originally allotted, thus delaying other scheduled examinations. If an institution is rescheduled for a different quarter, that information will be included on a later list.

Federal bank and thrift regulators encourage public comment on the institutions to be examined under the CRA. 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.

The CRA examination schedules for the second quarter of 2026 and third quarter of 2026 are attached. Schedules also can be obtained by calling (703) 562-2200 or (877) 275-3342, faxing a request to (703) 562-2296, or writing to:

FDIC
Public Information Center
3501 Fairfax Drive
Room E-1002
Arlington, VA 22226