Agenda

Nov 23, 2026
3:00 pm - 4:30 pm EST

Federal banking agencies made important changes to the regulatory capital framework in 2026, including lowering the Community Bank Leverage Ratio (CBLR) from greater than 9% to greater than 8%. They also proposed revisions to risk-based capital requirements affecting residential mortgages, commercial real estate, business and consumer loans, unused commitments, and mortgage servicing assets. These changes may influence capital ratios, lending capacity, pricing, portfolio strategy, growth, dividends, and a bank’s choice between the CBLR and the regular risk-based framework.

This webinar will explain the current and proposed requirements and demonstrate why meeting the regulatory thresholds to be classified as “well capitalized” does not necessarily mean a bank holds sufficient capital for its risk profile. Participants will learn how concentrations, asset quality, earnings, liquidity, interest-rate risk, growth plans, and stress-test results should influence internal capital targets, early-warning triggers, and contingency planning.

Topics

KEY WEBINAR TAKEAWAYS:

• Regulatory minimums, prompt corrective action (PCA), “well-capitalized” thresholds, internal policy minimums, and capital levels appropriate for your bank’s risk profile
• Final 2026 Community Bank Leverage Ratio (CBLR) changes — how to evaluate whether the CBLR or the regular risk-based capital framework is more advantageous for your bank
• How proposed changes involving residential mortgages, commercial real estate, business and consumer loans, unused commitments, and mortgage servicing assets could affect risk-weighted assets and capital ratios
• Incorporating concentrations, earnings, liquidity, interest-rate risk, growth plans, and stress-test results into practical capital targets, triggers, and contingency actions

Speaker(s)

Robert L. Viering
RiverPointUSA LLC & RegVizion LLC

Robert Viering is the principal of RiverPointUSA LLC, a national consulting and training firm helping community banks and credit unions strengthen credit risk management, strategic planning, and sustainable growth. With over 40 years in commercial banking, he brings deep expertise in C&I, CRE, and agricultural lending, as well as stress testing, CECL, and capital planning.

Bob has served as de novo bank founder, CEO, Chief Lending Officer, regional credit officer, audit committee member, and board member, and has been an expert witness in state and federal courts. He is also a founder of RegVizion LLC, developing AI-driven credit tools, and actively serves on the Chicago chapter board of ProSight (formerly RMA) and is a member of their national Advisory Group.

Fees

Live Webinar - $279

• Unlimited connections for your institution
• Available on desktop, mobile & tablet
• Take-away toolkit
• Presenter’s contact info for questions

On-Demand Webinar - $279

• Unlimited & shareable access starting two business days after live stream
• Available on desktop, mobile & tablet devices 24/7
• Take-away toolkit
• Ability to download webinar video
• Presenter's contact info for questions

Live + On-Demand - $379

Get the best of both and save when you Bundle the Live & On-Demand Webinar registration! This option includes all the items listed above.

**100% surcharge applied to non-members.

Association Contact