Federal bank regulators issue host-state loan-to-deposit ratios
→Interstate banks must test branches against updated host-state LTD ratios
Change
Federal bank regulators issued updated host-state loan-to-deposit ratios — interstate branches must pass Riegle-Neal section 109 compliance testing against current benchmarks.
Why it matters
Updated host-state loan-to-deposit (LTD) ratios are now operative for all interstate branch compliance reviews under the Riegle-Neal Act. Every interstate branch is tested against the host-state benchmark — not the bank's home-state ratio. Branches falling below the threshold face a finding of non-compliance with community credit obligations.
Implications
- → Interstate banking compliance teams must replace prior host-state LTD benchmarks with the May 1 ratios — stale figures produce non-compliant Riegle-Neal filings.
- → Regulatory reporting teams must map branch deposits and loans by host state — inaccurate state attribution corrupts ratio testing and compliance output.
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Source
View on Federal Reserve