All rates below are annual and are in basis points which are cents per $100.00 of assessment base. An annual rate is converted to a quarterly multiplier on the invoice by dividing the annual rate by 10,000 (to move the decimal point), dividing by 4 (for a quarterly rate), and then rounding to 7 decimal places. For example, an annual rate of 24.67 basis points converts to a quarterly multiplier of 0.0006168.
Current FDIC Assessment Rates effective January 1, 2023
Rates first applicable on the invoice dated June 30, 2023
| Established Small Institutions CAMELS Composite | Large & Highly Complex Institutions ** | |||
|---|---|---|---|---|
| 1 or 2 | 3 | 4 or 5 | ||
| Initial Base Assessment Rate | 5 to 18 | 8 to 32 | 18 to 32 | 5 to 32 |
| 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 | 2.5 to 18 | 4 to 32 | 13 to 32 | 2.5 to 42 |
* 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 5 basis points will have a maximum unsecured debt adjustment of 2.5 basis points and cannot have a total base assessment rate lower than 2.5 basis points. The unsecured debt adjustment does not apply to new institutions or insured branches of foreign banks.
| Risk Category I | 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 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").
| Risk Category I | Risk Category II | Risk Category III | Risk Category IV | |
|---|---|---|---|---|
| Total Base Assessment Rate | 5 to 9 | 14 | 21 | 32 |
* 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).
FDIC Assessment Rates effective July 1, 2016 - December 31, 2022
| 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 of foreign banks.
| 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 (DIDA).
FDIC Assessment Rates that were effective April 1, 2011 - June 30, 2016
The rates below were applied on invoices dated September 30, 2011 through September 30, 2016. When the rate schedule below was adopted, the FDIC also suspended dividends. However, in lieu of dividends, and pursuant to its authority to set risk-based assessments, the FDIC adopted progressively lower assessment rate schedules effective when the reserve ratio exceeded certain levels of capitalization. See FIL-08-2011 for more details.
| 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 ** | (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 do not include the Depository Institution Debt Adjustment (DIDA).
**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 5 basis points will have a maximum unsecured debt adjustment of 2.5 basis points and cannot have a total base assessment rate lower than 2.5 basis points.
| 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 4 |
* Total base assessment rates do not include the Depository Institution Debt Adjustment (DIDA).