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Inactive Financial Institution Letters

Host State Loan-To-Deposit Ratios
2005 Ratios
July 29, 2005

Summary: The federal banking agencies have issued the attached host state loan-to-deposit ratios for 2005.

  • The banking agencies have issued the attached 2005 host state loan-to-deposit ratios used to determine compliance with Section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act. These ratios update information published on August 26, 2004.
  • Section 109 prohibits any bank from establishing or acquiring a branch outside its home state primarily for the purpose of deposit production. This prohibition applies to any bank branch controlled by an out-of-state bank holding company.
  • As part of the test for compliance with Section 109, a bank’s statewide loan-to-deposit ratio is compared to the appropriate host state loan-to deposit ratio.

FDIC-Supervised Banks (Commercial and Savings)

Suggested Routing:
Chief Executive Officer
Compliance Officer

Related Topics:
Community Reinvestment Act

Section 109 Host State Loan-to-Deposit Ratios

Deirdre Foley, Senior Policy Analyst, at or (202) 898-6612

Printable Format:
FIL-70-2005 - PDF 38k (PDF Help)

FDIC Financial Institution Letters (FILs) may be accessed from the FDIC's Web site at

To receive FILs electronically, please visit

Paper copies of FDIC FILs may be obtained through the FDIC's Public Information Center, 801 17th Street, NW, Room 100, Washington, DC 20434 (1-877-275-3342 or (703) 562-2200).

Last Updated 7/29/2005

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