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Agencies issue host state loan-to-deposit ratios May 21, 2021

May 21, 2021 / Source: FRB

Joint Press Release

  • Board of Governors of the Federal Reserve System
  • Federal Deposit Insurance Corporation
  • Office of the Comptroller of the Currency

Federal bank regulatory agencies today issued the host state loan-to-deposit ratios that are used to evaluate compliance with section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994. These ratios replace the prior year's ratios from June 2020.

By law, a bank is generally prohibited from establishing or acquiring branches outside of its home state primarily for the purpose of deposit production. Congress enacted section 109 to ensure that interstate branches would not take deposits from a community without the banks reasonably helping to meet the credit needs of that community. Additionally, branches of banks controlled by out-of-state bank holding companies are prohibited from operating primarily for the purpose of deposit production.

The updated host state loan-to-deposit ratios are attached.

Section 109 Host State Loan-to-Deposit Ratios (PDF)

Media Contacts:

Federal Reserve Board

Susan Stawick



LaJuan Williams-Young



Stephanie Collins


Last Update: May 21, 2021