In the small bank performance standard, which of the following is NOT a criterion?

The small bank performance standards are a specific set of evaluation criteria outlined in the Community Reinvestment Act (CRA) regulation. These criteria include the loan-to-deposit ratio, the percentage of loans in the assessment area, the geographic distribution of loans, and lending to borrowers of different income levels. A CRA strategic plan is a separate, alternative evaluation method that a bank can choose to develop in lieu of being examined under the standard tests. Therefore, the strategic plan is not a criterion within the small bank performance standard itself.

B: The loan-to-deposit ratio is a primary criterion used to assess a small bank's overall lending activity in relation to its deposit-taking activities. C: The geographic distribution of loans is a key criterion for evaluating how a bank is serving the credit needs throughout its assessment area, including in low- and moderate-income geographies. D: The percentage of loans within the bank’s assessment area is a fundamental criterion to ensure the bank is primarily serving the community in which it is chartered.

12 C.F.R. § 25.26, "Performance standards for small banks." This section lists the five criteria for evaluation, which do not include a strategic plan.

12 C.F.R. § 25.27, "Strategic plan." This section details the requirements for the strategic plan as an alternative evaluation method.