The Federal Reserve Board, together with the Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency, jointly issued updated host state loan-to-deposit ratios as required by law. The ratios are used in assessing whether banks are complying with restrictions on establishing or acquiring out-of-state branches primarily to gather deposits. Each host state loan-to-deposit ratio reflects, for all banks headquartered in a given state, the ratio of total loans in that state to total deposits in that state. The updated ratios replace those issued in May 2024 and are accompanied by additional information describing how the ratios are used to evaluate compliance with the statutory requirements.
Federal Reserve Board 2025-05-12
Federal Reserve Board, FDIC and OCC update host state loan-to-deposit ratios for interstate branching reviews
The Federal Reserve Board, in collaboration with the Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency, released updated host state loan-to-deposit ratios. These ratios assess banks' compliance with restrictions on establishing or acquiring out-of-state branches primarily for deposit gathering. The updates replace the May 2024 ratios and include details on their application in compliance evaluations.