Deputy Seminar, Denver, CO

CSBS Policy Briefing

Community Bank Leverage Ratio in S. 2155 • Qualifying Community Bank (QCB) for banks under $10 billion • QCB that meets a tangible leverage ratio between 8% and 10% will be exempt from current risk-based capital standards. – Disqualified based on

• Off-Balance Sheet exposures • Trading Assets and Liabilities • Notional value of derivative exposures • QCB will be deemed “Well Capitalized” • Requires consultation with State Regulators

Confidential / Sensitive / Pre‐Decisional – For Discussion Purposes Only