Consolidated Assets $3 Billion or Less

Companies with consolidated assets of $3 billion or less are subject to a predominantly offsite "review" program. The review process is generally triggered by our receipt of the report of examination for the organization's lead bank.

  • The FREQUENCY of review is generally determined by the size and condition of the organization's lead bank.
  • The DEPTH of review is dictated by the company's complexity—a determination that is a function of the nature and scope of the nonbanking and/or financial activities and also involves other factors such as the level of consolidated risk management functions, the existence of significant public debt, and so on.
  • Noncomplex companies receive less detailed reviews, while complex or weakened companies receive more detailed reviews that, in some cases, may include an onsite visit by examiners.
  • RESULTS of the review are generally communicated to the company's board of directors through a brief letter format.

Consolidated Assets Greater Than $3 Billion

Companies with more than $3 billion in consolidated assets are subject to a risk-focused inspection program that generally includes examiners working onsite.

  • The FREQUENCY of inspections depends on the size of the organization and the scope of any nonbanking or financial activities.
  • Generally, companies in sound condition with consolidated assets between $3 billion and $5 billion are subject to inspection every 24 months.
  • Companies with consolidated assets greater than $5 billion are subject to an inspection every 12 months.
  • Companies found to be in a weakened condition are subject to closer supervision and will likely be inspected on a more frequent basis.
  • RESULTS of the inspection are generally communicated to the company's board of directors through a formal report of inspection.

Learn More...

External LinkSR 19-4 / CA 19-3

Supervisory Rating System for Holding Companies with Total Consolidated Assets Less Than $100 billion External LinkBank Holding Company Supervision Manual

Guidance for conducting inspections of bank holding companies and their non-bank subsidiaries

External LinkSR 13-21

Inspection Frequency and Scope Requirements for Bank Holding Companies and Savings and Loan Holding Companies with Total Consolidated Assets of $10 Billion or Less

External LinkSR 09-4

Applying Supervisory Guidance and Regulations on the Payment of Dividends, Stock Redemptions, and Stock Repurchases at Bank Holding Companies

External LinkSR 08-9

Consolidated Supervision of Bank Holding Companies and the Combined U.S. Operations of Foreign Banking Organizations

External LinkSR 00-13
Framework for Financial Holding Company Supervision