{"data":{"id":"us/12-cfr-252.5","jurisdiction":"us","citation":"12 CFR 252.5","heading":"Categorization of banking organizations.","body":"(a) General. (1) A U.S. bank holding company with average total consolidated assets of $100 billion or more must determine its category among the four categories described in paragraphs (b) through (e) of this section at least quarterly.\n(2) A U.S. intermediate holding company with average total consolidated assets of $100 billion or more must determine its category among the three categories described in paragraphs (c) through (e) of this section at least quarterly.\n(3) A foreign banking organization with average total consolidated assets of $100 billion or more and average combined U.S. assets of $100 billion or more must determine its category among the three categories described in paragraphs (c) through (e) of this section at least quarterly.\n(b) Global systemically important BHC. A banking organization is a global systemically important BHC if it is identified as a global systemically important BHC pursuant to 12 CFR 217.402.\n(c) Category II. (1) A banking organization is a Category II banking organization if the banking organization:\n(i) Has:\n(A)(1) For a U.S. bank holding company or a U.S. intermediate holding company, $700 billion or more in average total consolidated assets;\n(2) For a foreign banking organization, $700 billion or more in average combined U.S. assets; or\n(B)(1) $75 billion or more in average cross-jurisdictional activity; and\n(2)(i) For a U.S. bank holding company or a U.S. intermediate holding company, $100 billion or more in average total consolidated assets; or\n(ii) For a foreign banking organization, $100 billion or more in average combined U.S. assets; and\n(ii) Is not a global systemically important BHC.\n(2) After meeting the criteria in paragraph (c)(1) of this section, a banking organization continues to be a Category II banking organization until the banking organization:\n(i) Has:\n(A)(1) For a U.S. bank holding company or a U.S. intermediate holding company, less than $700 billion in total consolidated assets for each of the four most recent calendar quarters; or\n(2) For a foreign banking organization, less than $700 billion in combined U.S. assets for each of the four most recent calendar quarters; and\n(B) Less than $75 billion in cross-jurisdictional activity for each of the four most recent calendar quarters;\n(ii) Has:\n(A) For a U.S. bank holding company or a U.S. intermediate holding company, less than $100 billion in total consolidated assets for each of the four most recent calendar quarters;\n(B) For a foreign banking organization, less than $100 billion in combined U.S. assets for each of the four most recent calendar quarters; or\n(iii) Meets the criteria in paragraph (b) to be a global systemically important BHC.\n(d) Category III. (1) A banking organization is a Category III banking organization if the banking organization:\n(i) Has:\n(A)(1) For a U.S. bank holding company or a U.S. intermediate holding company, $250 billion or more in average total consolidated assets; or\n(2) For a foreign banking organization, $250 billion or more in average combined U.S. assets; or\n(B)(1)(i) For a U.S. bank holding company or a U.S. intermediate holding company, $100 billion or more in average total consolidated assets; or\n(ii) For a foreign banking organization, $100 billion or more in average combined U.S. assets; and\n(2) At least:\n(i) $75 billion in average total nonbank assets;\n(ii) $75 billion in average weighted short-term wholesale funding; or\n(iii) $75 billion in average off-balance sheet exposure;\n(ii) Is not a global systemically important BHC; and\n(iii) Is not a Category II banking organization.\n(2) After meeting the criteria in paragraph (d)(1) of this section, a banking organization continues to be a Category III banking organization until the banking organization:\n(i) Has:\n(A)(1) For a U.S. bank holding company or a U.S. intermediate holding company, less than $250 billion in total consolidated assets for each of the four most recent calendar quarters; or\n(2) For a foreign banking organization, less than $250 billion in combined U.S. assets for each of the four most recent calendar quarters;\n(B) Less than $75 billion in total nonbank assets for each of the four most recent calendar quarters;\n(C) Less than $75 billion in weighted short-term wholesale funding for each of the four most recent calendar quarters; and\n(D) Less than $75 billion in off-balance sheet exposure for each of the four most recent calendar quarters; or\n(ii) Has:\n(A) For a U.S. bank holding company or a U.S. intermediate holding company, less than $100 billion in total consolidated assets for each of the four most recent calendar quarters; or\n(B) For a foreign banking organization, less than $100 billion in combined U.S. assets for each of the four most recent calendar quarters;\n(iii) Meets the criteria in paragraph (b) of this section to be a global systemically important BHC; or\n(iv) Meets the criteria in paragraph (c)(1) of this section to be a Category II banking organization.\n(e) Category IV. (1) A banking organization is a Category IV banking organization if the banking organization:\n(i) Is not global systemically important BHC;\n(ii) Is not a Category II banking organization;\n(iii) Is not a Category III banking organization; and\n(iv) Has:\n(A) For a U.S. bank holding company or a U.S. intermediate holding company, average total consolidated assets of $100 billion or more; or\n(B) For a foreign banking organization, average combined U.S. assets of $100 billion or more.\n(2) After meeting the criteria in paragraph (e)(1), a banking organization continues to be a Category IV banking organization until the banking organization:\n(i) Has:\n(A) For a U.S. bank holding company or a U.S. intermediate holding company, less than $100 billion in total consolidated assets for each of the four most recent calendar quarters;\n(B) For a foreign banking organization, less than $100 billion in combined U.S. assets for each of the four most recent calendar quarters;\n(ii) Meets the criteria in paragraph (b) of this section to be a global systemically important BHC;\n(iii) Meets the criteria in paragraph (c)(1) of this section to be a Category II banking organization; or\n(iv) Meets the criteria in paragraph (d)(1) of this section to be a Category III banking organization.","path":["Title 12—Banks and Banking","CHAPTER II—FEDERAL RESERVE SYSTEM","SUBCHAPTER A—BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM","PART 252—ENHANCED PRUDENTIAL STANDARDS (REGULATION YY)","Subpart A—General Provisions"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-12.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:16Z","sha256":"dace705682aa37a3c86520e45ad2631175ef45ac97c45c7164004f39ab694435","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-252.4","next":"us/12-cfr-252.10"},"notice":"GroundRules: Original legal text. Not legal advice."}