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Federal Deposit
Insurance Corporation

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

Financial Institution Letters

August 30, 2016

Changes to Deposit Insurance Assessments

Printable Format:

FIL-58-2016 - PDF (PDF Help)


On June 30, 2016, the Deposit Insurance Fund Reserve Ratio rose to 1.17 percent from 1.13 percent on March 31. FDIC regulations provide for three major changes to deposit insurance assessments the quarter after the reserve ratio first reaches or surpasses 1.15 percent, i.e., the third quarter of 2016, which will be reflected in banks' December 2016 assessment invoices: (1) the range of initial assessment rates for all institutions decline based on final rules approved by the FDIC Board of Directors (Board) on February 7, 2011, and April 26, 2016; (2) surcharges on insured depository institutions with total consolidated assets of $10 billion or more (large banks) begin pursuant to a final rule approved by the Board on March 15, 2016; and (3) a revised method to calculate risk-based assessment rates for established small banks applies pursuant to the final rule approved by the Board on April 26, 2016.

Statement of Applicability to Institutions under $1 Billion in Total Assets: This Financial Institution Letter applies to all FDIC-insured institutions, although parts apply only to institutions with $10 billion or more in total assets.


Reduction in Initial Assessment Rates

Large Bank Surcharges

Revised Small Bank Pricing Method


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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 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).

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