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Topic
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Am I thinking about this correctly to determine intermediate small bank?
For 2024 the ISB threshold was $391 million at the end of 2024 our asset size was $357 million. In 2025 the threshold for ISB went up to $402 million and at the end of 2025 our asset size was $401 million.
So if I’m think right, we need to look at our asset size for Dec 2026 and if we hit this year’s threshold of $412 million then we will need to look at Dec 2027 asset size and if it is $412 million then we would become an ISB.
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Yes, that is correct. In 2024 and 2025 you were below threshold. You will need to monitor this every year so that you will know when your requirements change. Two consecutive years will require you to move into an ISB.
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