Agencies issue host state loan-to-deposit ratios

Three federal banking regulators have jointly issued updated host state loan-to-deposit ratios, replacing figures from May 2025 [1]. The ratios are used to enforce rules against banks establishing out-of-state branches primarily to gather deposits. The Federal Deposit Insurance Corporation, the Federal Reserve Board, and the Office of the Comptroller of the Currency released the updated data on May 01, 2026 [1]. Each ratio compares the total loans in a state to the total deposits in that state for all banks legally operating there [1]. These figures are required by law and replace the previous set issued in May 2025 [1]. Federal law generally prohibits a bank from establishing or acquiring branches outside its home state if the primary purpose is deposit acquisition [1]. This rule aims to ensure that banks taking deposits from a community also help reasonably meet that community's credit needs [1]. The updated ratios and related compliance information are available on the agencies' websites [1].