BY MAY 1
US bank regulators issue host-state loan-to-deposit ratios
→Interstate banks must test branch lending against host-state ratios
Change
US federal bank regulators issued host-state loan-to-deposit ratios used to assess interstate branch compliance under the Riegle-Neal framework.
Why it matters
Interstate branch compliance now depends on updated host-state loan-to-deposit benchmarks. Banks operating branches outside their home state must use the current ratios when testing local lending against regulatory expectations.
Implications
- → Interstate banking compliance teams must apply the updated host-state loan-to-deposit ratios — outdated benchmarks can misstate branch compliance under Riegle-Neal tests.
- → Bank regulatory reporting teams must map branch deposits and loans by host state — ratio testing depends on accurate state-level lending and deposit data.
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Source
View on Federal Reserve