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 as required by law. The ratios, which replace those issued in May 2024, show for each state the ratio of total loans in the state to total deposits in the state for all banks that have that state as their home state. The ratios are used in assessing compliance with the statutory restriction that generally prohibits a bank from establishing or acquiring branches outside its home state primarily to acquire additional deposits. The prohibition is intended to prevent interstate branches from taking deposits from a community without the bank reasonably helping to meet that community’s credit needs.
Office of the Comptroller of the Currency 2025-05-12
United States Office of the Comptroller of the Currency joins FDIC and Federal Reserve Board in issuing updated host state loan-to-deposit ratios
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 laws preventing banks from establishing or acquiring out-of-state branches primarily to gather deposits without meeting local credit needs.