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Midsize and Community Bank Supervision (MCBS) ensures that midsize and community national banks and federal savings associations operate in a safe and sound manner, provide fair access to financial services, treat customers fairly, and comply with applicable laws and regulations.
MCBS comprises the following divisions: Community Bank Supervision, Midsize and Trust Bank Supervision, Specialty Supervision, and the Risk, Resource, Exams and Examiner Development Division. Community Bank Supervision is further divided into six regions: East, Northeast, South, Southeast, Midwest, and West.
Community Bank Supervision focuses on banks that typically conduct traditional banking activities. While some of these banks range from $1 billion to $15 billion in assets, most have less than $1 billion in assets.
Midsize and Trust Bank Supervision (MTBS) generally includes banks with assets between $15 billion and $115 billion. These banks present unique supervisory challenges based on size, complexity, or product line but are not part of the OCC's large bank program. MTBS also includes portfolios of credit card banks and trust banks.
Specialty Supervision consists of Novel Bank Supervision, Technology Service Providers Supervision, Thrift Supervision, and Special Supervision. These institutions are not tied to a specific geography and are grouped within portfolios led by supervisors with specialized expertise.
The Risk, Resource, Exams/Examiner Development (RRED) unit will inform and support supervision, provide resilient and adaptive resource management, and provide an operational structure that maximizes efficiencies and effectiveness. The unit incorporates risk assessment (Risk Officers and Lead Experts), resource management (teams of specialist examiners), financial analysis, and examination support and examiner development.
The OCC's East Region is responsible for federally chartered institutions primarily headquartered in Delaware, the District of Columbia, Indiana, Kentucky, Maryland, Michigan, Ohio, and Pennsylvania with some institutions also located in Illinois, New Jersey, Virginia, and West Virginia.
The Northeast Region is responsible for federally chartered institutions (headquartered in Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, and Vermont.
The OCC's South Region is responsible for federally chartered institutions primarily headquartered in Louisiana and Texas.
The OCC's Southeast Region is responsible for federally chartered institutions primarily headquartered in Alabama, Arkansas, Florida, Georgia, Mississippi, North Carolina, Oklahoma, South Carolina, Tennessee, Virginia, and West Virginia with some institutions located in Colorado, Kentucky, and Texas.
The OCC's West Region is responsible for federally chartered institutions headquartered in Alaska, Arizona, California, Colorado, Hawaii, Idaho, Minnesota, Montana, Nevada, New Mexico, North Dakota, Oregon, South Dakota, Utah, Washington, and Wyoming with some institutions located in Iowa, Nebraska, and Wisconsin.
The OCC's Midwest Region is responsible for federally chartered institutions primarily headquartered in Illinois, Iowa, Kansas, Missouri, Nebraska, and Wisconsin with some institutions also located in Indiana, Kansas, Michigan, and South Dakota.