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Federal financial institutions regulatory agency

The government bodies responsible for overseeing and setting rules for financial institutions, including the Office of the Comptroller of the Currency, the Federal Reserve, the Federal Deposit Insurance Corporation, the National Credit Union Administration, and the Bureau of Consumer Financial Protection.

Regulatory action

Any new proposed, temporary, or final rule or regulation created by a federal financial agency. This does not include actions taken against individual institutions, like enforcement actions.

Risk profile

An assessment of the types and levels of risks a financial institution is exposed to, based on its operations, investments, and customer base.

Business model

How a financial institution operates, earns revenue, and serves its customers, including its size, scope of services, and target markets.

Community Bank Leverage Ratio

A simpler capital requirement framework that allows qualifying community banks to meet regulatory capital standards by maintaining a simple leverage ratio above a certain threshold, rather than more complex risk-based capital calculations.

Report of condition

Detailed financial statements that banks are required to submit regularly to federal regulators, providing comprehensive data on their assets, liabilities, equity capital, income, and expenses (also known as 'Call Reports').