ENSMALL-BUSINESS CREDIT, CRA & LOCAL LENDING MARKETS · NOVEMBER 6, 2026
Regulators Release 2025 Small-Business and Community Lending Data
The FDIC, Federal Reserve, and OCC released 2025 CRA lending data and geographic reports covering small-business, small-farm, and community-development lending by metropolitan area and county.
What the agencies released on November 5
Source publication date: November 5, 2026. The Federal Deposit Insurance Corporation, Federal Reserve Board, and Office of the Comptroller of the Currency, acting as members of the Federal Financial Institutions Examination Council, released data on small-business, small-farm, and community-development lending during 2025. Community Reinvestment Act regulations require annual disclosure of the reported data.
- 01CRA data are disclosed annually
- 02Reports cover metropolitan areas and counties
- 03Historical activity is not a current credit commitment
The release includes geographic market reports
The FFIEC prepared aggregate small-business and small-farm lending reports for every metropolitan statistical area and county in the United States and its territories. Public tables and disclosure statements can help users examine reported activity by geography and institution. Definitions, reporting thresholds, transaction sizes, purchases, originations, institutional coverage, and revisions must be reviewed before comparing figures.
Historical lending patterns can inform—but not decide—a financing search
The data may reveal institutions active in a market or highlight differences in local credit distribution, which can help borrowers, community organizations, and investors frame outreach. But a loan reported for 2025 does not show a lender's current appetite, available products, underwriting standards, pricing, collateral requirements, capacity, or willingness to finance a specific industry, property, purpose, or borrower.
Practical borrower and investor takeaway
Use the tables to develop a focused lender list, then confirm current geography, industry, loan-size, product, collateral, and program fit directly. Prepare the request amount, use of funds, repayment source, current and historical financials, tax returns, debt schedule, ownership, liquidity, collateral, projections, and downside case. Investors and community stakeholders should document definitions and market structure before drawing conclusions from county or institution comparisons.
Borrowers and investors can use the public data to identify local lending patterns and potential institutions, but should still prepare a lender-ready package and verify current appetite, eligibility, collateral, pricing, and approval requirements directly.
Discuss a financing need →This independent summary is based on the cited source and is provided for general educational purposes only. Terms and program requirements may change.