Legal 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
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