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NEW YORK CITY-Only banks of $10 billion or more in assets are required to undergo so-called “stress tests” in response to Dodd-Frank requirements. Yet it’s at the smaller end of the size spectrum that the pressure on balance sheets and income statements would be greater, and a Trepp LCC report released Tuesday found that one in eight US lenders would fail such a test of capital adequacy. The percentage is far higher among institutions of less than $10 billion—upward of 12.9% for lenders with $1 billion or less, compared to 5.4% for those with more than $10 billion in assets.

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