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 April 1, 2011)
- 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 April 1, 2011 and currently in effect.
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 & Highly Complex Institutions** | |
|---|---|---|---|---|---|
| Initial Base Assessment Rate | 5 - 9 | 14 | 23 | 35 | 5 - 35 |
| Unsecured Debt Adjustment (added) *** | -4.5 to 0 | -5 to 0 | -5 to 0 | -5 to 0 | -5 to 0 |
| Brokered Deposit Adjustment (added) | N/A | 0 to 10 | 0 to 10 | 0 to 10 | 0 to 10 |
| Total Base Assessment Rate | 2.5 to 9 | 9 to 24 | 18 to 33 | 30 to 45 | 2.5 to 45 |
* Total base assessment rates do not include the depository institution debt adjustment.
** See §327.8(f) and §327.8(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.
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.
| Supervisory Group A | Supervisory Group B | Supervisory Group C | |
|---|---|---|---|
| Capital Group 1 (Well Capitalized) | Risk Category I | Risk Category II | Risk Category III |
| Capital Group 2 (Adequately Capitalized) | Risk Category II | Risk Category II | Risk Category III |
| Capital Group 3 (Under Capitalized) | Risk Category III | Risk Category III | Risk Category IV |
In effect January 1, 1996 through December 31, 2006 (BIF)
| Supervisory Group A | Supervisory Group B | Supervisory Group C | |
|---|---|---|---|
| Capital Group 1 (Well Capitalized) | 0 | 3 | 17 |
| Capital Group 2 (Adequately Capitalized) | 3 | 10 | 24 |
| Capital Group 3 (Under Capitalized) | 10 | 24 | 27 |
In effect July 1, 1995 through December 31, 1995 (BIF)
| Supervisory Group A | Supervisory Group B | Supervisory Group C | |
|---|---|---|---|
| Capital Group 1 (Well Capitalized) | 4 | 7 | 21 |
| Capital Group 2 (Adequately Capitalized) | 7 | 14 | 28 |
| Capital Group 3 (Under Capitalized) | 14 | 28 | 31 |
In effect January 1, 1996 through December 31, 2006 (SAIF)
| Supervisory Group A | Supervisory Group B | Supervisory Group C | |
|---|---|---|---|
| Capital Group 1 (Well Capitalized) | 0 | 3 | 17 |
| Capital Group 2 (Adequately Capitalized) | 3 | 10 | 24 |
| Capital Group 3 (Under Capitalized) | 10 | 24 | 27 |
In effect July 1, 1995 through December 31, 1995 (SAIF)
| Supervisory Group A | Supervisory Group B | Supervisory Group C | |
|---|---|---|---|
| Capital Group 1 (Well Capitalized) | 23 | 26 | 29 |
| Capital Group 2 (Adequately Capitalized) | 26 | 29 | 30 |
| Capital Group 3 (Under Capitalized) | 29 | 30 | 31 |
(In addition, SAIF had a special assessment of 65.7bps in 1996)
In effect January 1, 1993 through June 30, 1995 (BIF & SAIF)
| Supervisory Group A | Supervisory Group B | Supervisory Group C | |
|---|---|---|---|
| Capital Group 1 (Well Capitalized) | 23 | 26 | 29 |
| Capital Group 2 (Adequately Capitalized) | 26 | 29 | 30 |
| Capital Group 3 (Under Capitalized) | 29 | 30 | 31 |