Regulatory Alerts2026-05-01
Host State Loan-to-Deposit Ratios
The Federal Reserve, FDIC, and OCC published updated host state loan-to-deposit ratios as of June 30, 2025 to determine whether banks comply with Section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act. Compliance is established if a bank’s statewide loan-to-deposit ratio reaches at least half of the published host state ratio, or alternatively through a second step demonstrating that the bank reasonably meets community credit needs. Calculated using call reports and Summary of Deposits Surveys, the published ratios exclude wholesale or limited purpose CRA banks, credit card banks, and special purpose banks to accurately reflect traditional deposit-taking lending activity.
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