Fewer banks cover each neighborhood as the threshold rises
Every census tract, banded by how many CD-obligated banks cover it, today and under three threshold scenarios.
Tracts with zero CD-obligated banks
196→395→905→1,121
Most tracts newly without a CD-obligated bank are rural
Thin coverage: tracts with 1-5 banks
9,577→11,748→15,163→17,404
30.2M people in thin tracts today
Median banks per tract
19→17→14→13
Today → Proposal → $6B option → Q1b
Coverage bands by scenario
Rural, micropolitan and metropolitan
The same bands, split by OMB classification. Metro tracts keep most coverage with fewer banks per tract. Rural tracts start with fewer banks and drop further: of the 925 tracts newly without a CD-obligated bank under Q1b, 741 are rural, 122 micropolitan and 62 metropolitan. 16 of today's 196 uncovered tracts are in American Samoa.
Table view - every value (national and by class)
Coverage: the tract sits inside the bank's assessment area (2024 FFIEC CRA disclosure footprints as filed for reporters; branch counties for non-filers, per the September 11 final methodology) and the bank keeps CD obligations under the scenario's December either-year size test. Wholesale, limited purpose, and strategic plan banks stay obligated in every scenario; Federal Reserve banks keep today's obligations (Fed unchanged). Population: 2020 Census, 335.1M. Four of the workbook's eight scenarios shown; every value and all eight scenarios are in the Banks per Tract tab of the Geographic Coverage Workbook (2026-09-11).