The Impact of the New Regulatory Capital Framework

Learn how the new regulatory capital framework affects lending capacity, growth, pricing, portfolio strategy, and capital planning while strengthening your bank’s ability to prepare for risk.

Federal banking agencies made important changes to the regulatory capital framework in 2026, including lowering the Community Bank Leverage Ratio (CBLR) from greater than 9% to greater than 8%. They also proposed revisions to risk-based capital requirements affecting residential mortgages, commercial real estate, business and consumer loans, unused commitments, and mortgage servicing assets. These changes may influence capital ratios, lending capacity, pricing, portfolio strategy, growth, dividends, and a bank’s choice between the CBLR and the regular risk-based framework.

This webinar will explain the current and proposed requirements and demonstrate why meeting the regulatory thresholds to be classified as “well capitalized” does not necessarily mean a bank holds sufficient capital for its risk profile. Participants will learn how concentrations, asset quality, earnings, liquidity, interest-rate risk, growth plans, and stress-test results should influence internal capital targets, early-warning triggers, and contingency planning.

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.