Agencies Issue Host State Loan-to-Deposit Ratios | OCC

https://occ.gov/news-issuances/news-releases/2026/nr-ia-2026-33.html
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2026-05-01 16:56:30 · pdonofrio@vixio.com
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Federal bank regulatory agencies today jointly issued updated host state loan-to-deposit ratios, as required by law. Each ratio compares the total loans in a state to total deposits in the state for all banks that are legally operating in that state. These ratios replace those issued in May 2025.

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TITLE: United States Federal Banking Agencies Issue Updated Host State Loan-to-Deposit Ratios BODY: On May 1, 2026, the Federal Deposit Insurance Corporation (FDIC), Federal Reserve Board (FRB), and Office of the Comptroller of the Currency (OCC) jointly issued updated host state loan-to-deposit ratios as required by law. Each ratio compares the total loans in a state to total deposits in the state for all banks legally operating in that state. The updated ratios replace those issued in May 2025. Under federal law, banks are generally prohibited from establishing or acquiring branches outside their home state primarily for the purpose of acquiring additional deposits. This prohibition ensures that interstate bank branches do not take deposits from a community without reasonably helping to meet that community's credit needs. The host state loan-to-deposit ratios serve as a key metric for evaluating compliance with this requirement. The updated ratios and additional information on how they are used to evaluate compliance with interstate branching requirements are available on the agencies' websites. Banks should review the updated ratios to ensure their interstate branching activities remain compliant with applicable regulations. The ratios will be used by the FDIC, FRB, and OCC in their ongoing supervision and examination of banks' interstate operations. REFERENCES: Office of the Comptroller of the Currency Newsroom, "Agencies Issue Host State Loan-to-Deposit Ratios," News Release 2026-33 (May 1, 2026), https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-33.html
  • ✓ Scraped:2026-05-01 16:56:30
  • ✓ Created:2026-05-01 16:56:30
  • ✓ By:pdonofrio@vixio.com (38)