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Transparency & Accountability - Bank Applications

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In its role as federal regulator, the FDIC reviews applications submitted by its insured institutions, individuals, and other entities for approval to undertake various transactions. These include applications for obtaining federal deposit insurance, engaging in mergers and acquisitions, and establishing branches.

Actions for selected application types since 2013 can be searched from the Application Search Tool.

For further questions regarding bank applications, please contact Supervision@fdic.gov.

Overview of Application Activity
12 months ending 10/31/2023

Disposition of applications received
Disposition Deposit Insurance Branch Change in Control Merger Management Change Total
Approved 5 415 16 67 60 563
Denied 0 0 0 0 4 4
Returned 2 0 0 3 1 6
Withdrawn 7 11 5 3 10 36
Totals 14 426 21 73 75 609
Processing days from original receipt
Deposit Insurance Branch Change in Control Merger Management Change Total
Average 317 29 116 104 71 -
Median 328 22 66 77 36 -
Processing days from receipt of a substantially complete application
Deposit Insurance Branch Change in Control Merger Management Change Total
Average 229 20 51 61 25 -
Median 188 19 37 45 23 -
Timeframe Goal1 120 30 45 60 25 -
Total # Approved within Goal 0 379 12 43 40 474
Percent 0% 91% 75% 64% 67% 84%

1Processing days from receipt of a substantially complete application for approvals

Archive of Overviews of Application Activity
12 months ending 12/31/2022
12 months ending 12/31/2021
12 months ending 12/31/2020
12 months ending 12/31/2019
12 months ending 12/31/2018


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Bank Application Resources

Resources that govern applications to the FDIC.

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Decisions on Bank Applications

Decisions by FDIC on various types of bank applications.

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Pending New Deposit Insurance Applications

Applications submitted by individuals and other entities for approval to establish new FDIC-insured institutions.

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Applications for Deposit Insurance

Information and resources important to the deposit insurance application process.

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