The Federal Deposit Insurance Corporation, Federal Reserve Board and Office of the Comptroller of the Currency jointly issued updated host state loan-to-deposit ratios required by law, replacing the set published in May 2024. The ratios are used in evaluating compliance with restrictions intended to prevent banks from establishing or acquiring out-of-state branches primarily to gather additional deposits. Each host state loan-to-deposit ratio reflects, for a given state, total loans in the state relative to total deposits in the state for all banks that designate that state as their home state. The agencies also published accompanying information explaining how the updated ratios are applied for compliance assessments under the relevant statutory framework.
Federal Deposit Insurance Corporation 2025-05-12
Federal Deposit Insurance Corporation, Federal Reserve Board and Office of the Comptroller of the Currency publish updated host state loan-to-deposit ratios for interstate branching rules
The Federal Deposit Insurance Corporation, Federal Reserve Board, and Office of the Comptroller of the Currency have updated host state loan-to-deposit ratios, replacing those from May 2024. These ratios assess compliance with restrictions on banks establishing or acquiring out-of-state branches primarily for deposit gathering. Accompanying information details the application of these ratios for compliance assessments.