Seven Federal Regulatory Reports Banks and BHCs with $10 to $100 Billion in Assets Must Master

Insured domestic financial institutions operating in the United States with total consolidated assets between $10 billion and $100 billion face a complex and multi-layered regulatory reporting landscape. These mid-sized banking organizations occupy a critical position in the financial system—large enough to pose potential systemic risks yet distinct from the very largest global systemically important banks. As a result, federal regulators have established a comprehensive framework of periodic reporting requirements designed to monitor capital adequacy, liquidity positions, credit concentrations, operational risks, and overall financial condition.

This article provides an in-depth examination of the major federal regulatory reports that banks in this asset category must file with the Federal Reserve System, the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC). Understanding these reporting obligations is essential for Chief Compliance Officers, Chief Financial Officers, and regulatory reporting teams responsible for producing timely and accurate submissions ...