Agencies Release Annual Host State Loan-to-Deposit Ratios

September 20, 2017

On September 20, 2017, the OCC, the Board of Governors of the Federal Reserve, and the FDIC issued a bulletin regarding the host state loan-to-deposit (LTD) ratios used to determine compliance with section 109 of the Riegle–Neal Interstate Banking and Branching Efficiency Act of 1994 (IBBEA) issued on June 21, 2017.  These bulletin provided host state LTD ratios using data as of June 30, 2016, and excludes banks designated for Community Reinvestment Act  purposes as wholesale or limited purpose, credit card banks, and special purpose banks.  Prior to this release, the data was last updated on June 17, 2016.


The agencies included a note stating Section 109 of the IBBEA applies to community banks that have covered interstate branches.  Section 109 does not apply to federal savings associations.