Growing Into an Intermediate Small Bank: CRA Requirements, Expectations, and Pitfalls
October 28, 2026
REGISTER NOWDescription:
Crossing the asset threshold from a small bank to an intermediate small bank (ISB) is a significant milestone, but growth also brings increased regulatory expectations. Institutions moving into the intermediate small bank category must adapt their compliance programs, strengthen community development efforts, and prepare for a more comprehensive examination process.
Unfortunately, many institutions discover too late that the systems, policies, procedures, and reporting practices that supported them as a small bank are no longer sufficient.
This session provides a practical roadmap for successfully navigating the transition. Participants will learn how examiners evaluate intermediate small banks, identify common pitfalls, and develop strategies to strengthen their institution’s CRA program before crossing the threshold.
This program provides:
• An overview of the transition from small bank to intermediate small bank status
• A review of the lending and community development tests and how they affect examination performance
• Guidance on identifying, documenting, and tracking qualified community development activities
• An examination of strategic planning considerations before crossing the threshold
• A discussion of assessment areas, performance context, and data collection practices
• Common examination findings, weaknesses, and regulatory expectations
• Best practices for documenting community development loans, investments, and services
• Recommendations for governance, oversight, training, and board reporting
• Practical strategies for integrating CRA compliance into everyday operations
Participants will also receive practical tools that can help strengthen their institution’s CRA program while supporting continued growth.
WHO SHOULD ATTEND
This session is designed for CRA officers, compliance officers, loan officers, branch managers, senior management, internal auditors, community development personnel, and members of the board of directors.
This program is particularly valuable for institutions approaching the intermediate small bank asset threshold, institutions that have recently crossed the threshold, and organizations seeking to strengthen their overall CRA strategy.
Presenters:
Kimberly Boatwright, CRCM, CAMS, FLE
Kimberly Boatwright is EVP and Director of Risk and Compliance at Compliance Resource, LLC and has more than a two decades of experience working in the financial services industry. Ms. Boatwright is a well-regarded financial industry risk and compliance professional with a strong background in program development and implementation. She is a thought leader who specializes in Fair Lending, Anti-Money Laundering, OFAC and consumer compliance. During her career she has worked for and consulted with all types of financial institutions helping to establish and evolve compliance and risk programs. She is a frequent public speaker, trainer, and author on compliance and risk management topics. Kimberly is a Certified Regulatory Compliance Manager and a Certified Anti-Money Laundering Specialist.
October 28, 2026