Federal banking regulators released updated host state loan‑to‑deposit ratios on May 1 2026, replacing figures issued in May 2025. The ratios, published jointly by the Federal Deposit Insurance Corporation, the Federal Reserve Board and the Office of the Comptroller of the Currency, compare total loans to total deposits for all banks legally operating within each state. The data is required by law and is used to assess whether banks comply with rules that limit branches to their home state for deposit‑gathering purposes. The updated ratios also provide guidance on how the figures are used to evaluate compliance. Full reports are available online. The release also notes that the ratios help regulators monitor interstate banking practices and protect local communities.
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