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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

Deposit Insurance Assessments

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Assessment Changes since 2016

Legislation
Assessment collections changed when the Reserve Ratio reached 1.15% effective June 30, 2016.  The Reserve Ratio is the total of the Deposit Insurance Fund (DIF) divided by the total estimated insured deposits of the industry.  Legislative rulings and corresponding assessment changes included:

The timeline for the assessment changes was as follows:
The Reserve Ratio reached 1.15% effective as of June 30, 2016, therefore:

The Reserve Ratio reached 1.36% effective as of September 30, 2018, therefore:

Assessment Rate Schedule
Effective July 1, 2016, the initial base assessment rates for all insured institutions were reduced from 5 to 35 basis points to 3 to 30 basis points.  Total base assessment rates after possible adjustments were reduced from 2.5 to 45 basis points to 1.5 to 40 basis points.

Total Base Assessment Rates for established institutions (insured 5 or more years)*
All amounts are in basis points annually

 

 

Established Small Institutions
CAMELS Composite

 

Large & Highly
Complex
    Institutions **

1 or 2
3
4 or 5

Initial Base Assessment Rate

3 to 16

6 to 30

16 to 30

3 to 30

Unsecured Debt Adjustment ***

-5 to 0

-5 to 0

-5 to 0

-5 to 0

Brokered Deposit Adjustment

N/A

N/A

N/A

0 to 10

Total Base Assessment Rate

1.5 to 16

3 to 30

11 to 30

1.5 to 40

*   Total base rates that are not the minimum or maximum rate will vary between these rates. Total base assessment rates do not include the Depository Institution Debt Adjustment (“DIDA”).
**  See 12 CFR 327.8(f) and (g) for the definition of large and highly complex institutions.
*** The unsecured debt adjustment cannot exceed the lesser of 5 basis points or 50 percent of an insured depository institution’s initial base assessment rate; thus, for example, an insured depository institution with an initial base assessment rate of 3 basis points will have a maximum unsecured debt adjustment of 1.5 basis points and cannot have a total base assessment rate lower than 1.5 basis points. The unsecured debt adjustment does not apply to new institutions or insured branches.

Large Institution Surcharges
Large institution surcharges were collected on the deposit insurance invoices dated December 30, 2016 through December 30, 2018. Key aspects of the surcharges included:

Future Small Institution Credits
Since large institution surcharges were collected for nine quarters, the regular quarterly assessments paid by small institutions (institutions with less than $10 billion in total consolidated assets) during that period also contributed to raising the Reserve Ratio from 1.15% to 1.35 %.  The FDIC will provide future credit offsets to assessments of small institutions for the portion of their assessments that contributed to the Reserve Ratio growth.  Key aspects of the future credits include:

Small Institution Pricing Changes
Effective July 1, 2016, changes took place to the pricing system for established small institutions and appeared on the December 30, 2016 invoice.  The new pricing system

Please see the Assessment Rate Calculators for determining assessments for your institution.  Questions on the calculators should be emailed to RRPSAdministrator@fdic.gov.
More information on the new small institution pricing system can be found in Financial Institution Letter FIL-28-2016 and in the Recommendation and Summary memorandum.

For a Reserve Ratio history, go to Statistics at a Glance and click on “FDIC Historical Trends.”


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