Updated: Additional Data Shows Most Banks Saying No to CBLR
As we told you last month, two out of every three community banks chose not to opt into the Community Bank Leverage Ratio. We've updated our numbers as more banks...
17 June, 2020
Community Bank Leverage Ratio
News Alert: Two out of Three Banks Say No to the Community Bank Leverage Ratio
Thanks, but no thanks: That’s the resounding message from community banks about the new community bank leverage ratio framework. Two out of every three banks chose not to opt into...
19 May, 2020
The Hidden “Surcharge” Embedded in the CBLR
The Federal Reserve approved a simplification of the capital rules for the large banks on March 4. So, what does this have to do with community banks and the Community...
22 April, 2020
Should Community Banks Consider the CBLR at 8 Percent?
Under the CARES Act signed into law by President Trump last month, the Community Bank Leverage Ratio CBLR) threshold temporarily drops from 9 percent to 8 percent until the earlier...
20 April, 2020
Coronavirus Relief Bill Lowers Community Bank Leverage Ratio, Delays CECL for All Banks
The final version of the $2.2 trillion coronavirus relief bill passed by the U.S. Senate would make life easier for community banks this year. The bill temporarily lowers the community...
26 March, 2020
How Does COVID-19 Affect the Looming Community Bank Leverage Ratio Decision?
The decision on whether to opt into the new Community Bank Leverage Ratio (CBLR) feels trivial right now. The immediate focus of every community bank in the country needs to...
24 March, 2020
Special Report January 2020
A handbook compiling essential information and guidance about the community bank leverage ratio....
07 January, 2020
The Hidden Cost of Ignoring the CBLR
Many community bankers do not realize their own existing capital plans may be more stringent than the community bank leverage ratio (CBLR). We all know bankers like math. So read...
30 December, 2019
The Community Bank Leverage Ratio: What if My Bank Does Nothing?
Many community banks have decided that the best course of action regarding the new community bank leverage ratio (CBLR) is the easiest: Do nothing. Keep the status quo. After all,...
20 December, 2019
The Business Case for a Careful Consideration of the Community Bank Leverage Ratio
We have been preaching for two months that community banks must take seriously the decision whether to opt into the Community Bank Leverage Ratio (“CBLR”). Our analysis suggests that it...
06 December, 2019