Top 10 Regulatory Risks for Community Banks in 2025
What every Community Bank leader needs to know – and what to do before your next regulatory exam.
Welcome
I founded iKinetiq because I saw a need to do business differently — to challenge the status quo, embrace innovation, and use technology responsibly.
We’ve now launched a new era, working closely with our technology partners to build a next-generation client experience tailored to the needs of financial institutions — especially our Community Bank clients. These tools and resources are at the heart of the services we deliver in 2025.
I invite you to join us on this journey. We look forward to partnering with you.
Our Community Bank Solutions
Our network of experts has decades of experience working directly with financial services regulators, including US, European, and Canadian regulators. We know the budget and resource constraints of community banks, so we help them implement right-sized compliance programs that meet regulatory requirements and are sustainable for community banks.
Our TPOC Risk Cards
Our team of experts create a TPOC Risk Card for key regulatory enforcement actions. The Cards provide our clients with a summary of the information needed to understand quickly how the enforcement action impacts their business. The Cards and the array of tools contained in our ТРОС Risk Framework System help our clients avoid similar enforcement actions and fines.
Our TPOC Risk Ratings
iKinetiq's experts are dedicated to helping clients understand the impact of regulatory enforcement actions. We have developed the Third-Party, Operational, and Compliance (TPOC) Risk Framework™ to calculate the ТРОС Risk Rating for each regulatory enforcement action based on our proprietary methodology. There are four risk levels: Low (green); Medium (yellow); High (orange); and, Very High (red).
Ask Our Experts
Have questions for our network of experts? We encourage you to submit your questions. We post our answers to a public FAQ, but we never post any personal details about those submitting the questions. Give us a try today!
2024 Regulatory Enforcement Actions
Office of the Comptroller of the Currency (OCC)
36
Banks
42
Enforcement Actions
$1.29 billion
Total Fines
Federal Reserve Board (Fed)
28
Banks
32
Enforcement Actions
$371 million
Total Fines
Federal Deposit Insurance Corporation (FDIC)
40
Banks
41
Enforcement Actions
$25 million
Total Fines
We do business differently
Specialized Expertise
Our experience is built on decades both as practitioners and as consultants for some of the largest companies in the world. We know our client needs because we've been in their shoes. This allows us to deliver solutions tailored to meet each client's specific needs.
Personalized Service
With a focused client portfolio, we can provide bespoke services and dedicate more senior-level attention to each client project.
Agility
Our size and sector focus allows us to quickly adapt to changing market conditions and client needs, enabling more innovative and tailored solutions.
Strategic Partnerships
We build strong, personal relationships with our clients, allowing us to form long-term strategic partnerships. We succeed when our clients succeed.
Competitive Pricing
Without the overhead costs of larger firms, we can provide world class expertise and specialized services at a more competitive rate, resulting in significant savings for our clients.
Innovative Solutions
Our culture of innovation means we are constantly evaluating and testing cutting-edge technologies. This allows us to deliver accelerated innovation for our clients providing them a competitive advantage.
