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De novo financial institutions

Newly formed banks or financial institutions that are just starting up.

Federal capital standards

Rules set by the government that determine the minimum amount of money a bank must hold as a buffer against losses.

Community Bank Leverage Ratio

A simplified measure of a bank's financial strength, comparing its core capital to its total assets. A higher ratio generally means a stronger bank.

Depository institution

A financial institution, like a bank or credit union, that accepts deposits from the public.

Federal savings association

A type of financial institution, often focused on housing finance, chartered and regulated by the federal government (historically known as savings and loan associations).

Rural community bank

A smaller financial institution (less than $10 billion in assets) located in a rural area.