RiskExec Enhances Lending Insights with 2025 CRA Peer Data Release for Clients

In a significant leap towards improved lending insights, RiskExec, Inc. has made 2025 Community Reinvestment Act (CRA) peer data available to its clients on the very day the information was released. This enhancement allows financial institutions that benchmark their small business and small farm lending to compare their performance directly against 2025 peers, a critical function as institutions prepare for the upcoming evaluation periods.

Immediate Access to Peer Data

On November 6, 2026, the federal bank regulatory agencies, as members of the Federal Financial Institutions Examination Council (FFIEC), released the 2025 CRA reporting data. RiskExec, understanding the urgent need for timely information, processed and deployed this data on the afternoon of its release. By the next morning, clients could seamlessly access this critical data on the RiskExec platform without any interruptions in their usual operations.

This new round of CRA reporting encompasses comprehensive peer analysis tools and solutions, including detailed reports on small business and small farm lending. Each record underwent meticulous conversion and verification before being deployed, ensuring that clients could run the necessary peer comparisons based on the latest information without unnecessary delays.

Benchmarking Against Real-Time Data

Prior to this release, RiskExec clients relied on 2024 data for their benchmarks. With the peer data from 2025 now at their disposal, financial institutions can make more accurate assessments of their lending activities in relation to their peers. As these comparisons play a vital role in CRA performance evaluations, the release of current data significantly enhances the relevancy and accuracy of the assessments. According to Dr. Anurag Agarwal, Founder and President of RiskExec, “Peer data is already a year old the day it’s published, so our clients shouldn’t have to wait on us for it.” This reflects a philosophy of efficiency that positions RiskExec as a frontrunner in compliance technology and analytics.

Key Changes in the Lending Landscape

The 2025 report shows a shift in the lending landscape, with approximately 720 lenders reporting data for small loans (up to $1 million for businesses and $500,000 for farms). This figure marks a slight decrease from 732 lenders in 2024. A notable statistic is that lenders logged nearly 9 million small business loans, totaling over $291 billion. It’s interesting to note that while the number of loans reported saw a decline of 1.6% compared to 2024, the dollar amount originating came up by 4.7%. Moreover, community development loans saw a steep rise, with a 34% increase from 2024’s figures, amounting to nearly $185 billion.

This data underscores the evolving challenges and opportunities facing lenders today, emphasizing the need for timely benchmarks. Institutions must remain vigilant as they prepare for CRA performance evaluations and strategize for 2027 amid ongoing regulatory changes.

Looking Forward

In light of reduced lender participation and with the Office of the Comptroller of the Currency (OCC) and Federal Deposit Insurance Corporation (FDIC) still finalizing their CRA proposal, understanding these dynamics will be essential for planning. Dr. Agarwal will discuss key examination priorities, regulatory changes, and enforcement trends at the upcoming State of Risk Compliance virtual summit, scheduled for December 9, 2026.

About RiskExec

RiskExec is a prominent cloud-based compliance reporting and analytics platform. It empowers banks, mortgage lenders, credit unions, and alternative lending institutions to navigate complex regulatory requirements efficiently, such as demonstrating compliance with HMDA, CRA, and Fair Lending laws. Its innovative software solutions enable financial institutions to conduct proactive trend analyses and opportunity evaluations in-house, eliminating the reliance on costly external consultations.

For those keen on evolving their compliance strategies from merely identifying issues to proactively seizing opportunities, RiskExec is poised to be an invaluable ally. To learn more about how RiskExec can support your compliance needs and strategic planning, visit riskexec.com.