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Federal Deposit
Insurance Corporation

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

Historical Assessment Rate Schedules

Assessment rates detailed below are annual rates in basis points - or cents per $100 of deposit insurance assessment base.

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
Last Updated 05/02/2011
insurance-research@fdic.gov