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Agencies Release List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies

Joint Agency Release  |  July 1, 2022

Board of Governors of the Federal Reserve SystemFederal Deposit Insurance CorporationOffice of the Comptroller of the Currency

Agencies Release List of Distressed or Underserved Nonmetropolitan Middle- Income Geographies

Federal bank regulatory agencies today made available the 2022 list of distressed or underserved nonmetropolitan middle-income geographies.  These are geographic areas where revitalization or stabilization activities are eligible to receive Community Reinvestment Act (CRA) consideration under the law’s community development definition.  Visit the Federal Financial Institutions Examination Council (FFIEC) website to see the 2022 list, previous years’ lists, and criteria for designating these areas.

Distressed or underserved nonmetropolitan middle-income geographies are designated by the agencies in accordance with their CRA regulations.  The designations continue to reflect local economic conditions, including unemployment, poverty, and population changes.

The 2022 list uses the County Intercensal Estimates for 2000-2010 for population estimates because the County Intercensal Estimates for 2010-2020 are not yet available.  

Revitalization or stabilization activities in these geographies are eligible to receive CRA consideration under the community development definition for 12 months after publication of the current list.  As with past lists, the agencies apply a one-year lag period for geographies that were included in 2021 but are no longer designated as distressed or underserved in the current list.


2022 List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies

Source Information and Methodology



Federal Reserve

Laura Benedict

(202) 452-2955


LaJuan Williams-Young

(202) 898-3876


Stephanie Collins

(202) 649-6870

FDIC: PR-54-2022

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