# 12 CFR § 208.4: Capital adequacy

> Federal · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/ecfr-12-208.4

## Section

- **Citation:** 12 CFR § 208.4
- **Heading:** Capital adequacy
- **Jurisdiction:** Federal
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** September 22, 2026
- **Source:** Publisher's official text
- **Location:** Title 12—Banks and Banking > CHAPTER II—FEDERAL RESERVE SYSTEM > SUBCHAPTER A—BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM > PART 208—MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM (REGULATION H) > Subpart A—General Membership and Branching Requirements

## Text

(a) Adequacy. A member bank's capital, calculated in accordance with part 217, shall be at all times adequate in relation to the character and condition liabilities and other corporate responsibilities. If at any time, in light of all the circumstances, the bank's capital appears inadequate in relation to its assets, liabilities, and responsibilities, the bank shall increase the amount of its capital, within such period as the Board deems reasonable, to an amount which, in the judgment of the Board, shall be adequate.
(b) Standards for evaluating capital adequacy. Standards and measures, by which the Board evaluates the capital adequacy of member banks for risk-based capital purposes and for leverage measurement purposes, are located in part 217 of this chapter.
[Regulation H, 78 FR 62282, Oct. 11, 2013, as amended at 80 FR 70672, Nov. 16, 2015]

## Nearby sections

- [12 CFR § 208.1 § 208.1 Authority, purpose, and scope.](https://www.frixlaw.com/law-library/statutes/ecfr-12-208.1.md)
- [12 CFR § 208.2 § 208.2 Definitions.](https://www.frixlaw.com/law-library/statutes/ecfr-12-208.2.md)
- [12 CFR § 208.3 § 208.3 Application and conditions for membership in the Federal Reserve System.](https://www.frixlaw.com/law-library/statutes/ecfr-12-208.3.md)
- [12 CFR § 208.4 § 208.4 Capital adequacy.](https://www.frixlaw.com/law-library/statutes/ecfr-12-208.4.md)
- [12 CFR § 208.5 § 208.5 Dividends and other distributions.](https://www.frixlaw.com/law-library/statutes/ecfr-12-208.5.md)
- [12 CFR § 208.6 § 208.6 Establishment and maintenance of branches.](https://www.frixlaw.com/law-library/statutes/ecfr-12-208.6.md)
- [12 CFR § 208.7 § 208.7 Prohibition against use of interstate branches primarily for deposit production.](https://www.frixlaw.com/law-library/statutes/ecfr-12-208.7.md)
- [12 CFR § 208.20 § 208.20 Authority, purpose, and scope.](https://www.frixlaw.com/law-library/statutes/ecfr-12-208.20.md)
- [12 CFR § 208.21 § 208.21 Investments in premises and securities.](https://www.frixlaw.com/law-library/statutes/ecfr-12-208.21.md)
- [12 CFR § 208.22 § 208.22 Community development and public welfare investments.](https://www.frixlaw.com/law-library/statutes/ecfr-12-208.22.md)
- [12 CFR § 208.23 § 208.23 Agricultural loan loss amortization.](https://www.frixlaw.com/law-library/statutes/ecfr-12-208.23.md)
- [12 CFR § 208.24 § 208.24 Letters of credit and acceptances.](https://www.frixlaw.com/law-library/statutes/ecfr-12-208.24.md)
- [12 CFR § 208.25 § 208.25 Loans in areas having special flood hazards.](https://www.frixlaw.com/law-library/statutes/ecfr-12-208.25.md)
- [12 CFR § 208.30 § 208.30 Authority, purpose, and scope.](https://www.frixlaw.com/law-library/statutes/ecfr-12-208.30.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/ecfr-12-208.4. Check the current official text before relying on it. Not legal advice.