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Transparency & Accountability - Deposit Insurance for Bankers

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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.

Bank Requests and Appeals
January 1, 2018 - December 31, 2022
Small Banks Large Banks
Requests for Adjustment
to Total Score
(Large Bank Pricing Scorecard)		 N/A 6
Requests for Review of
Assessment Rate		 4 1
Appeals of Decision 2 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.
Deposit Insurance Assessment Rates for All FDIC Institutions Graph, showing downward trend in the annual rate's basis points since 2nd Quarter 2011 to 2nd Quarter 2018. With the latest standing at 3.7 basis points, finishing first half for 2018.

The time series for these charts begins with 2011 because the assessment base for FDIC-insured institutions changed that year due to provisions of the Dodd-Frank Act.

Number of Large and Highly Complex Bank
Total Score Adjustments in Effect
Through September 30, 2022
5 Points 10 Points 15 Points
Upward Adjustments 7 0 0
Downward Adjustments 2 0 0
Adjustments in effect through December 31, 2022, will be determined using reported fourth quarter 2022 Call Report data and finalized on March 31, 2023 (assessments are calculated and invoiced quarterly in arrears). For historical data on adjustments in effect since implementation of scorecards (second quarter, 2011), including FDICinitiated and bank-requested, see: Large and Highly Complex Bank Requests for Adjustments to Total Score in Large Bank Pricing Scorecards
Effect of Assessments on Bank Income for All FDIC-Insured Institutions chart, showing a downward trend for the Annual Percent Reduction from Income Before Taxes rate since 2011 to 2017. The APR from Income Before Taxes rate in 2017 is showing to be at 2.1 percent.

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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.
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Assessment Rate Calculators

The calculators illustrate deposit insurance assessment rates. (Last Updated November 30, 2022)

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.

Picture of person helping couple complete forms- consumer assistance webpage includes useful information to help you make informed decisions about your money and to protect yourself against financial scams and fraud.

The Deposit Insurance Fund

Learn how the DIF is funded and its role in protecting depositors.

Bank Applications Bank Examinations Consumer Protection & Deposit Insurance
Deposit Insurance for Bankers Legal Matters Resolutions & Failed Banks
Last Updated 01/09/2023
transparency@fdic.gov