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Financial Institution Letters

January 21, 2016

Small Bank Pricing

Notice of Proposed Rulemaking

Printable Format:

FIL-7-2016 - PDF (PDF Help)


On January 21, 2016, the FDIC Board of Directors (Board) approved the attached Notice of Proposed Rulemaking (NPR). The NPR revises an NPR adopted by the Board on June 16, 2015, (2015 NPR) in response to comments received. Like the 2015 NPR, this revised NPR would refine the deposit insurance assessment system for small insured depository institutions (generally, those institutions with less than $10 billion in total assets). Under the revised NPR, refinements would become operative the quarter after the reserve ratio of the Deposit Insurance Fund (DIF) reaches 1.15 percent (or the first quarter after a final rule is adopted that the rule can take effect, whichever is later). Comments on the revised NPR are due 30 days following publication of the revised NPR in the Federal Register.

Statement of Applicability to Institutions under $1 Billion in Total Assets: This Financial Institution Letter applies to institutions under $1 billion in total assets.


The revised NPR would be similar to the 2015 NPR, but, in contrast to the 2015 NPR, would:

To help established IDIs evaluate the effect of the proposed rule, the FDIC will update the assessment calculator on the FDIC's website that will allow IDIs to estimate their assessment rates under the revised proposal.


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FDIC financial institution letters (FILs) may be accessed from the FDIC's Web site at

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Paper copies of FDIC financial institution letters may be obtained through the FDIC's Public Information Center, 3501 Fairfax Drive, E-1002, Arlington, VA 22226 (1-877-275-3342 or 703-562-2200).