Historical Assessment Rate Schedules
Assessment rates detailed below are annual rates in basis points - or cents per $100 of deposit insurance assessment base.
- Current (in effect since January 1, 2023)
- In effect July 1, 2016 through December 31, 2022
- In effect April 1, 2011 through June 30, 2016
- In effect January 1, 2010 through March 31, 2011
- In effect April 1, 2009 through December 31, 2009
- In effect January 1, 2009 through March 31, 2009
- In effect January 1, 2007 through December 31, 2008
- In effect July 1, 1995 through December 31, 2006
- In effect January 1, 1993 through June 30, 1995 (BIF & SAIF)
Starting January 1, 2023 and currently in effect
Total Base Assessment Rates for established institutions (insured 5 or more years)*
Small Banks | Large & Highly Complex Institutions** | |
---|---|---|
Initial Base Assessment Rate | 5 to 32 | 5 to 32 |
Unsecured Debt Adjustment (added)*** | -5 to 0 | -5 to 0 |
Brokered Deposit Adjustment (added) | N/A | 0 to 10 |
Total Base Assessment Rate | 2.5 to 32 | 2.5 to 42 |
* Total base assessment rates do not include the depository institution debt adjustment. |
Total Base Assessment Rates for newly insured small institutions (those insured less than 5 years)*
Risk Category 1 | Risk Category II | Risk Category III | Risk Category IV | |
---|---|---|---|---|
Initial Base Assessment Rate | 9 | 14 | 21 | 32 |
Brokered Deposit Adjustment (added) | N/A | 0 to 10 | 0 to 10 | 0 to 10 |
Total Base Assessment Rate | 9 | 14 to 24 | 21 to 31 | 32 to 42 |
* Total Base Assessment Rates do not include the depository institution debt adjustment. |
In effect July 1, 2016 through December 31, 2022.
Total Base Assessment Rates for established institutions (insured 5 or more years)*
Small Banks | Large & Highly Complex Institutions** | |
---|---|---|
Initial Base Assessment Rate | 3 to 30 | 3 to 30 |
Unsecured Debt Adjustment (added)*** | -5 to 0 | -5 to 0 |
Brokered Deposit Adjustment (added) | N/A | 0 to 10 |
Total Base Assessment Rate | 1.5 to 30 | 1.5 to 40 |
* Total Base Assessment Rates do not include the depository institution debt adjustment. |
Total Base Assessment Rates for newly insured small institutions (those insured less than 5 years)*
Risk Category I | Risk Category II | Risk Category III | Risk Category IV | |
---|---|---|---|---|
Initial Base Assessment Rate | 7 | 12 | 19 | 30 |
Brokered Deposit Adjustment (added) | N/A | 0 to 10 | 0 to 10 | 0 to 10 |
Total Base Assessment Rate | 7 | 12 to 22 | 19 to 29 | 30 to 40 |
* Total base assessment rates do not include the depository institution debt adjustment. |
In effect April 1, 2011 through June 30, 2016
Total Base Assessment Rates for established institutions (insured 5 or more years)
Risk Category I | Risk Category II | Risk Category III | Risk Category IV | Large and Highly Complex Institutions | |
---|---|---|---|---|---|
Initial Base Assessment Rate | 5 - 9 | 14 | 23 | 35 | 5 - 35 |
Unsecured Debt Adjustment (added) | (4.5) - 0 | (5) - 0 | (5) - 0 | (5) - 0 | (5) - 0 |
Brokered Deposit Adjustment (added) | .. - .. | 0 - 10 | 0 - 10 | 0 - 10 | 0 - 10 |
Total Base Assessment Rate | 2.5 - 9 | 9 - 24 | 18 - 33 | 30 - 45 | 2.5 - 45 |
Total Base Assessment Rates for newly insured small institutions (those insured less than 5 years)*
Risk Category I | Risk Category II | Risk Category III | Risk Category IV | |
---|---|---|---|---|
Initial Base Assessment Rate | 9 | 14 | 23 | 35 |
Brokered Deposit Adjustment (added) | N/A | 0 to 10 | 0 to 10 | 0 to 10 |
Total Base Assessment Rate | 9 | 14 to 24 | 23 to 33 | 35 to 45 |
* Total base assessment rates do not include the depository institution debt adjustment. |
In effect January 1, 2010 through March 31, 2011
Total Base Assessment Rates for established institutions (insured 5 or more years)
Risk Category I | Risk Category II | Risk Category III | Risk Category IV | |
---|---|---|---|---|
Initial Base Assessment Rate | 12 - 16 | 22 | 32 | 45 |
Unsecured Debt Adjustment (added) | -5 to 0 | -5 to 0 | -5 to 0 | -5 to 0 |
Secured Liability Adjustment (added) | 0 to 8 | 0 to 11 | 0 to 16 | 0 to 22.5 |
Brokered Deposit Adjustment (added) | N/A | 0 to 10 | 0 to 10 | 0 to 10 |
Total Base Assessment Rate | 7 to 24.0 | 17 to 43.0 | 27 to 58.0 | 40 to 77.5 |
Total Base Assessment Rates for newly insured institutions (those insured less than 5 years)
Risk Category I | Risk Category II | Risk Category III | Risk Category IV | |
---|---|---|---|---|
Initial Base Assessment Rate | 16 | 22 | 32 | 45 |
Secured Liability Adjustment (added) | 0 to 8 | 0 to 11 | 0 to 16 | 0 to 22.5 |
Brokered Deposit Adjustment (added) | N/A | 0 to 10 | 0 to 10 | 0 to 10 |
Total Base Assessment Rate | 16 to 24.0 | 22 to 43.0 | 32 to 58.0 | 45 to 77.5 |
In effect April 1, 2009 through December 31, 2009
Total Base Assessment Rates for established institutions (insured 5 or more years)
Risk Category I | Risk Category II | Risk Category III | Risk Category IV | |
---|---|---|---|---|
Initial Base Assessment Rate | 12 - 16 | 22 | 32 | 45 |
Unsecured Debt Adjustment (added) | -5 to 0 | -5 to 0 | -5 to 0 | -5 to 0 |
Secured Liability Adjustment (added) | 0 to 8 | 0 to 11 | 0 to 16 | 0 to 22.5 |
Brokered Deposit Adjustment (added) | N/A | 0 to 10 | 0 to 10 | 0 to 10 |
Total Base Assessment Rate | 7 to 24.0 | 17 to 43.0 | 27 to 58.0 | 40 to 77.5 |
Total Base Assessment Rates for newly insured institutions (those insured less than 5 years) without a CAMELS composite rating
Risk Category I | Risk Category II | Risk Category III | Risk Category IV | |
---|---|---|---|---|
Initial Base Assessment Rate | 14 | 22 | 32 | 45 |
Secured Liability Adjustment (added) | 0 to 7 | 0 to 11 | 0 to 16 | 0 to 22.5 |
Brokered Deposit Adjustment (added) | N/A | 0 to 10 | 0 to 10 | 0 to 10 |
Total Base Assessment Rate | 14 to 21.0 | 22 to 43.0 | 32 to 58.0 | 45 to 77.5 |
Total Base Assessment Rates for newly insured institutions (those insured less than 5 years) with a CAMELS composite rating
Risk Category I | Risk Category II | Risk Category III | Risk Category IV | |
---|---|---|---|---|
Initial Base Assessment Rate | 12 - 16 | 22 | 32 | 45 |
Secured Liability Adjustment (added) | 0 to 8 | 0 to 11 | 0 to 16 | 0 to 22.5 |
Brokered Deposit Adjustment (added) | N/A | 0 to 10 | 0 to 10 | 0 to 10 |
Total Base Assessment Rate | 12 to 24.0 | 22 to 43.0 | 32 to 58.0 | 45 to 77.5 |
In effect January 1, 2009 through March 31, 2009
Risk Category | Risk Category II | Risk Category III | Risk Category IV | |
---|---|---|---|---|
Annual Assessment Rate | 12 - 14 | 17 | 35 | 50 |
In effect January 1, 2007 through December 31, 2008
Risk Category I | Risk Category II | Risk Category III | Risk Category IV | |
---|---|---|---|---|
Annual Assessment Rate | 5 - 7 | 10 | 28 | 43 |
Starting January 1, 2007, the FDIC moved from the 9-cell matrix below to 4 risk categories. The following table shows the relationship between the 9-cell matrix and the 4 risk categories.