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

https://www2.occ.gov/news-issuances/news-releases/2026/nr-ia-2026-33.html
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2026-05-04 13:40:24 · 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: US Federal Banking Agencies Issue Updated Host State Loan-to-Deposit Ratios BODY: On May 1, 2026, the Office of the Comptroller of the Currency (OCC), the Federal Deposit Insurance Corporation (FDIC), and the Federal Reserve Board (FRB) 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. These ratios serve a critical compliance function: under federal law, banks are generally prohibited from establishing or acquiring branches outside of 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 updated ratios enable the federal banking agencies to evaluate bank compliance with interstate branching requirements and fair lending obligations. The ratios apply to all federally regulated banks operating across state lines and are used to assess whether banks are meeting their obligations to serve the communities in which they operate. The updated ratios and additional information on how they are used to evaluate compliance with requirements are available on the OCC website. **Reference:** Office of the Comptroller of the Currency, "Agencies Issue Host State Loan-to-Deposit Ratios," News Release 2026-33 (May 1, 2026), available at: https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-33.html
  • ✓ Scraped:2026-05-04 13:40:24
  • ✓ Created:2026-05-04 13:40:23
  • ✓ By:pdonofrio@vixio.com (38)