FREE WHITEPAPER
Evaluating the Community Bank Leverage Ratio (CBLR) at 8%—Should Your Bank Adopt It?
A practical, data-driven framework for choosing between CBLR and Basel III in light of pending capital relief (Updated April 2026)
What's Inside?
This whitepaper examines:
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A plain-English overview of the updated 8% CBLR threshold and its timing
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A comparison of CBLR and Basel III considerations for community banks
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A three-step decision framework for evaluating the right capital approach
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Guidance on using stress testing to determine bank-specific capital needs
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Practical discussion of supervisory expectations, concentrations, and growth risk
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Capital planning best practices, including board-approved targets, triggers, KRIs, and contingency actions
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Key takeaways to support internal discussion with management, the board, and advisors
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“The finalized and proposed changes to both regulatory capital frameworks presents community banks with a both a rare and fresh opportunity to optimize their regulatory capital with a data-driven approach.”