12 CFR 369.3
§ 369.3 Loan-to-deposit ratio screen.
United States · 12 CFR — Banks and Banking · Status: effective
Cite this
- Citation
- 12 CFR 369.3, § 369.3 Loan-to-deposit ratio screen, United States, version 1 as recorded 2026-07-09, yourstate.us, https://yourstate.us/provision/47116
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Full text
(a) Application of screen. Beginning no earlier than one year after a covered interstate branch is acquired or established, the FDIC will consider whether the bank's statewide loan-to-deposit ratio is less than 50 percent of the relevant host State loan-to-deposit ratio.
(b) Results of screen.
(1) If the FDIC determines that the bank's statewide loan-to-deposit ratio is 50 percent or more of the host state loan-to-deposit ratio, no further consideration under this part is required.
(2) If the FDIC determines that the bank's statewide loan-to-deposit ratio is less than 50 percent of the host state loan-to-deposit ratio, or if reasonably available data are insufficient to calculate the bank's statewide loan-to-deposit ratio, the FDIC will make a credit needs determination for the bank as provided in § 369.4.
Legislative history
This is a federal regulation, adopted through agency rulemaking under the Administrative Procedure Act — not enacted by a recorded vote of Congress.