Federal bank regulatory agencies released updated host state loan‑to‑deposit ratios on May 1, 2026, replacing the figures issued in May 2025. The Joint Release, issued by the Federal Deposit Insurance Corporation, the Federal Reserve Board, and the Office of the Comptroller of the Currency, compares the total loans to total deposits in each state for all banks that legally operate there. The ratios are required by law to monitor compliance with a prohibition that limits banks from opening or acquiring out‑of‑state branches solely to acquire deposits. The measure is intended to ensure that interstate branches do not take deposits from a community without also providing credit to that community. The updated ratios and additional compliance information are available in a PDF linked in the release. Contact details for the agencies are listed in the announcement.
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