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Deposit Insurance Assessments

Prior Period Rates from January 1, 1997 - March 31, 2011

April 1, 2009 – March 31, 2011

Below is the rate schedule effective April 1, 2009. These rates were applied beginning with the invoice paid on September 30, 2009 and ending with the invoice paid on June 30, 2011. For more information, go to: Risk Categories & Risk Based Assessments and also see FIL-12-2009.

 
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

Risk Category I - Well Capitalized with generally a CAMELS composite of 1 or 2
Risk Category II - Well Capitalized with generally a CAMELS composite of 3; or Adequately Capitalized with generally a CAMELS composite of 1, 2, or 3
Risk Category III - Well or Adequately Capitalized with generally a CAMELS composite of 4 or 5; or Under Capitalized with generally a CAMELS composite of 1, 2, or 3
Risk Category IV - Under Capitalized with generally a CAMELS composite of 4 or 5

See description of Capital Groups and Supervisory Groups for additional information.

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

January 1, 2009 – March 31, 2009

Below is the rate schedule effective January 1, 2009. These rates applied to the invoice paid on June 30, 2009. Risk Category I institutions were charged a rate that varied between 12 and 14 basis points. For more information, see: FIL-143-2008.



Capital Group*
Supervisory Group*
A
B
C
Well Capitalized
I
12-14 bps
II
17 bps
III
35 bps
Adequately Capitalized
 
Undercapitalized
III
35 bps
IV
50 bps

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

January 1, 2007 – December 31, 2008

From January 1, 2007, through December 31, 2008, rates ranged between 5 and 43 basis points. These rates applied to invoices paid between June 30, 2007 and March 30, 2009. Risk Category I institutions were charged a rate that varied between 5 and 7 cents. For more information, see FIL-103-2006.

In order to move the FDIC payment from a prepayment to a payment for a prior period, institutions were not billed for FDIC insurance on the January 2 and March 30, 2007, invoices. The invoice paid on June 30, 2007, was for deposit insurance coverage for the first quarter of 2007.



Capital Group*
Supervisory Group*
A
B
C
Well Capitalized
I
5-7 bps
II
10 bps
III
28 bps
Adequately Capitalized
 
Undercapitalized
III
28 bps
IV
43 bps

January 1, 1997 – December 31, 2006

From January 1, 1997, through December 31, 2006, rates ranged between 0 and 27 basis points. These rates applied to the Bank Insurance Fund (BIF) and the Savings Association Insurance Fund (SAIF) and then to the Deposit Insurance Fund (DIF) when BIF and SAIF merged to form the DIF on March 31, 2006. During this time period, the best rated institutions (1A institutions) were not charged for deposit insurance; only weaker institutions were charged. Approximately 95% of all institutions were rated 1A during this time period.

 
Supervisory Group*
Capital Group* A B C
1 Well Capitalized
0 bps
3 bps
17 bps
2 Adequate Capitalized
3 bps
10 bps
24 bps
3 Under Capitalized
10 bps
24 bps
27 bps

*Supervisory Group A generally include institutions with CAMELS composite ratings of 1 or 2;
Supervisory Group B generally includes institutions with a CAMELS composite rating of 3; and
Supervisory Group C generally includes institutions with CAMELS composite ratings of 4 or 5.
See description of Capital Groups and Supervisory Groups for additional information.





Last Updated 07/16/2012 Assessments@fdic.gov