Current Assessment Calculators
- Current Assessment Rate Calculator for Large Institutions - (Zip File)
- Current Assessment Rate Calculator for Highly Complex Institutions - (Zip File)
- Current Assessment Rate Calculator for Small Institutions - (Zip File)
All Calculators were updated on November 30, 2022 with data as of September 30, 2022.
All Calculators currently reflect the assessment rate schedules in effect between July 1, 2016 and December 31, 2022. Once first quarter 2023 data become available, calculators will be updated to reflect the new rate schedules effective January 1, 2023, and applicable beginning the first quarterly assessment period of 2023 (i.e., January 1 through March 31, 2023, with an invoice payment date of June 30, 2023).
The FDIC uses a risk-based pricing system to determine assessment rates for small, large, and highly complex institutions. These calculators can be downloaded and used to estimate insurance assessment rates for future quarters. The calculators contain all public financial data but also allow the user to enter their own non-public data.
The method for determining a bank's risk-based assessment rate differs for small and large banks. Small banks (generally, those with less than $10 billion in assets) are assigned an individual rate based on a formula using financial data and CAMELS ratings.
Large banks (generally, those with $10 billion or more in assets) are assigned an individual rate based on a scorecard. The scorecard combines the following measures to produce a score that is converted to an assessment rate: CAMELS component ratings, financial measures used to measure a bank's ability to withstand asset-related and funding-related stress, and a measure of loss severity that estimates the relative magnitude of potential losses to the FDIC in the event of the bank's failure. One scorecard will apply to most large institutions and another to institutions that are structurally and operationally complex or that pose unique challenges and risk in the case of failure (highly complex institutions).
The Federal Deposit Insurance Reform Act of 2005 required that the FDIC prescribe final regulations, after notice and opportunity for comment, to provide for deposit insurance assessments under section 7(b) of the Federal Deposit Insurance Act.
Pursuant to this requirement, the FDIC approved on February 7, 2011, a new rule on risk-based assessments for large banks. This calculator illustrates how an institution’s assessment rate would be determined (which is discussed more fully in the final rule).
The calculators do not purport to predict actual assessment rates for any institution and should not be so construed. As noted under “User Information,” the purpose of these workbooks is to allow an institution to determine what its assessment rate would be under the approved rules based on its recent data and the new assessment rate schedule, and to simulate how a change in the value of supervisory ratings or financial ratios may affect its assessment rate. As data change, rates may change. In addition, the rates that the FDIC may adopt for future assessment periods may differ from those shown.