Regulatory Alerts2026-05-01
Annual Host State Loan-to-Deposit Ratios
The Federal Reserve Board, FDIC, and OCC jointly published annual host state loan-to-deposit ratios calculated from June 30, 2025 data to enforce Section 109 of the Riegle-Neal Act. Banks achieve compliance by maintaining a statewide loan-to-deposit ratio of at least half the published host state threshold, or by demonstrating reasonable community credit needs if the initial calculation falls short. The agencies excluded wholesale, credit card, and special purpose banks from the calculations to minimize regulatory burden while accurately tracking interstate deposit production across all states and territories.
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