Federal banking regulators jointly publish annual host state loan-to-deposit ratios

On May 1, the FDIC, Fed and OCC jointly issued updated host state loan-to-deposit ratios under Section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 (the Riegle-Neal Act). The ratios, which use data as of June 30, 2025, replace those issued in May 2025 and, as required by the Riegle-Neal Act, are used to determine whether banks with interstate branches are complying with the statutory prohibition against using interstate branches primarily to take deposits... By: Orrick, Herrington & Sutcliffe LLP