The Federal Reserve Board, Federal Deposit Insurance Corporation and Office of the Comptroller of the Currency have jointly issued updated host state loan-to-deposit ratios as required by law. The ratios compare total loans in a state with total deposits in that state for all banks legally operating there, and they replace the ratios issued in May 2025. The ratios are used in evaluating compliance with the statutory restriction that generally prohibits a bank from establishing or acquiring branches outside its home state primarily to gather additional deposits. That restriction is intended to ensure interstate branches do not take deposits from a community without reasonably helping to meet that community's credit needs. The agencies also published additional information on how the updated ratios are used in that compliance assessment.
Federal Reserve Board 2026-05-01
Federal Reserve Board, Federal Deposit Insurance Corporation and Office of the Comptroller of the Currency issue updated host state loan-to-deposit ratios
The Federal Reserve Board, Federal Deposit Insurance Corporation and Office of the Comptroller of the Currency have jointly issued updated host state loan-to-deposit ratios, replacing the ratios published in May 2025. The ratios are used to assess compliance with statutory restrictions on establishing or acquiring interstate branches primarily for deposit gathering, and the agencies also released additional information on how the ratios are applied in that assessment.