Section 201 Banks by State

Section 201 of the recently enacted Economic Growth Act requires the three banking regulators to issue a rule creating a “Community Bank Leverage Ratio,” set between 8 and 10 percent. If a community bank is above the set ratio, it will be deemed to be in compliance with risk-based capital requirements, such as Basel III. Through this Section of the Act, Congress and by extension the Agencies recognize that many banks maintain such high levels of capital that the complex Basel III calculations yield no additional supervisory or safety and soundness benefits.

The agencies are in the process of developing a proposal to implement Section 201, and are currently debating the appropriate level of the ratio. ABA analysis indicates that 8 percent is the right number.

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming