Transparency & Accountability - Deposit Insurance for Bankers

Deposit insurance is at the core of the FDIC's mission, and it is vital to ensuring the safety and soundness of our nation's financial system. To accomplish this, the FDIC maintains the Deposit Insurance Fund (DIF), which is primarily funded through quarterly assessments on insured institutions. The FDIC provides a number of resources to help bankers understand and calculate their deposit insurance assessments, and understand how the FDIC manages the DIF.
If you have questions, suggestions, or requests about deposit insurance assessments, you can contact us directly and confidentially using our online form.
Small Banks | Large Banks | |||||
---|---|---|---|---|---|---|
Requests for Adjustment to Total Score (Large Bank Pricing Scorecard) |
N/A | 6 | ||||
Requests for Review of Assessment Rate |
5 | 1 | ||||
Appeals of Decision | 3 | 1 | ||||
Generally, large banks are defined as institutions with total assets of $10 billion or more and small banks have total assets under $10 billion. |
5 Points | 10 Points | 15 Points | ||||
---|---|---|---|---|---|---|
Upward Adjustments | 6 | 0 | 1 | |||
Downward Adjustments | 2 | 0 | 0 | |||
Adjustments in effect through March 31, 2023, will be determined using reported first quarter 2023 Call Report data and finalized on June 30, 2023 (assessments are calculated and invoiced quarterly in arrears). For historical data on adjustments in effect since implementation of scorecards (second quarter, 2011), including FDIC-initiated and bank-requested, see: Large and Highly Complex Bank Requests for Adjustments to Total Score in Large Bank Pricing Scorecards |
Assessments
The Assessments webpage provides an overview of the deposit insurance assessments. The webpage includes information on: risk-based pricing of FDIC assessments, assessment rate schedules.
Assessment Rate Calculators
The calculators illustrate deposit insurance assessment rates. (Last Updated May 31, 2023)Financial Institution Employee's Guide to Deposit Insurance
This Guide is intended to assist depository institutions insured by the FDIC in providing accurate information about FDIC insurance coverage to their depositors.

The Deposit Insurance Fund
Learn how the DIF is funded and its role in protecting depositors.
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