Understanding the Revised July 2026 Community Bank Leverage Ratio Framework: What Changed (and What Didn’t) for Banks Under $10 Billion
On July 1, 2026, the revised Community Bank Leverage Ratio (CBLR) framework took effect. The federal banking agencies—the Federal Reserve, FDIC, and OCC—finalized the changes in April 2026 to encourage broader adoption of this simpler capital framework while preserving safety-and-soundness standards.
