Summary of Assessments Thresholds, Rate Schedules, and Adjustments
Updated 08/05/2026
The FDIC’s proposal is a Notice of Proposed Rulemaking that would effectively modernize how banks are classified and assessed under 12 CFR part 327. This would raise the asset threshold by separating small and large institutions from $10 billion or $30 billion and introduce that the threshold be adjusted every four years to account for inflation. This proposal also lowers assessment rates (2 basis points for small institutions and 1 basis point for large and highly complex institutions) It also introduces a new resolution readiness adjustment that would allow large institutions to reduce their assessments by demonstrating improved readiness for potential FDIC resolution. Lastly, it would remove outdated regulatory text. Considering this is a proposed rule, there is currently no effective date, and the comment period ends 08/31/2026.
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