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FDIC Board of Directors Releases Semiannual Update on Deposit Insurance Fund Restoration Plan

May 20, 2025

WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) Board of Directors today released the latest semiannual update on the Restoration Plan for the agency’s Deposit Insurance Fund (DIF). FDIC staff projects that the reserve ratio remains on track to reach the statutory minimum of 1.35 percent ahead of the statutory deadline of September 30, 2028.

Since the previous semiannual update, the DIF reserve ratio increased by 6 basis points—from 1.22 percent as of June 30, 2024, to 1.28 percent as of December 31, 2024, due to growth in the DIF balance and slower-than-average insured deposit growth.

The Federal Deposit Insurance Act requires the FDIC Board to adopt a restoration plan when the DIF’s reserve ratio—currently defined as the ratio of the fund balance relative to insured deposits—falls below 1.35 percent. On September 15, 2020, the FDIC established the Restoration Plan to restore the DIF reserve ratio to at least 1.35 percent by the 8-year statutory deadline, after extraordinary deposit growth during the first half of 2020 caused the DIF reserve ratio to decline below the statutory minimum.

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Last Updated: May 20, 2025