community financial institution
(10) Community financial institution.— (A) In general .— The term “community financial institution” means a member— (i) the deposits of which are insured under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq.]; and (ii) that has, as of the date of the transaction at issue, less than $1,000,000,000 in average total assets, based on an average of total assets over the 3 years preceding that date. (B) Adjustments .— The $1,000,000,000 limit referred to in subparagraph (A)(ii) shall be adjusted annually by the Director, based on the annual percentage increase, if any, in the Consumer Price Index for all urban consumers, as published by the Department of Labor.