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 July 1, 2016)
- In effect April 1, 2011 through June 30, 2016
- 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 July 1, 2016 and currently in effect.
Total base Assessment Rates for established institutions (insured 5 or more years)*
| |
Small Banks |
Large & Highly Complex Institutions |
| Initial Base Assessment Rate |
3 to 30 |
3 to 30 |
| Unsecured Debt Adjustment (added) *** |
-5 to 0 |
-5 to 0 |
| Brokered Deposit Adjustment (added) |
N/A |
0 to 10 |
| Total Base Assessment Rate |
1.5 to 30 |
1.5 to 40 |
* 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 |
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 |
In effect April 1, 2011 through June 30, 2016
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 and Highly Complex Institutions |
| Initial Base Assessment Rate |
5 - 9 |
14 |
23 |
35 |
5 - 35 |
| Unsecured Debt Adjustment (added) |
(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 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 |
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 |
