On November 5, the Fed, the FDIC, and the OCC, as members of the FFIEC, released their annually required CRA data on small business, small farm, and community development lending during 2025, together with an accompanying fact sheet (2024 data previously covered by InfoBytes here). According to the fact sheet, which noted that its figures now include resubmitted data from prior years, 720 lenders reported 2025 data, a 1.6 percent decrease from the 732 that reported for 2024. Reporters disclosed nearly 9 million small business loans totaling more than $291 billion; the total number of loans decreased 1.6 percent and the number of originations decreased 2 percent from 2024, while the dollar amount of originations increased 4.7 percent. Reporters also disclosed about 198,000 small farm loans totaling about $15.6 billion, an increase of about 0.068 percent by count and 7.5 percent by dollar amount from 2024.

The fact sheet further reported that: (i) the 153 reporters with assets of $10 billion or more accounted for about 87.5 percent of small business originations by count (69 percent by dollar amount); (ii) loans under $100,000 constituted 94.6 percent of small business and 77 percent of small farm originations by count; (iii) firms with revenues of $1 million or less received 52.4 percent of small business and 59.3 percent of small farm originations by count; and (iv) the share of loans by count to low- and moderate-income census tracts has remained between about 22 and 23 percent in recent years. In addition, 646 of the 720 reporting institutions reported a combined total of almost $185 billion in community development loans, a 34 percent increase from 2024. The fact sheet cautioned that CRA data do not indicate “the amount or nature of the overall demand for credit” and cover “only a portion” of the credit extended to small businesses and small farms.