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Deposit Insurance Assessments

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FDIC Assessment Rates

All rates below are annual and are in basis points which are cents per $100.00 of assessment base. An annual rate is converted to a quarterly multiplier on the invoice by dividing the annual rate by 10,000 (to move the decimal point), dividing by 4 (for a quarterly rate), and then rounding to 7 decimal places. For example, an annual rate of 24.67 basis points converts to a quarterly multiplier of .0006168.

Current Rates effective April 1, 2011 - Present

April 1, 2011 - Present (effective on the invoice payable on September 30, 2011)

Below are the Initial and Total Base Assessment Rates* effective April 1, 2011.  These rates will be applied beginning with the invoice payable on September 30, 2011. In addition to adopting the rate schedule below, the FDIC has suspended dividends indefinitely; however, in lieu of dividends, and pursuant to its authority to set risk-based assessments, the FDIC has adopted progressively lower assessment rate schedules that will take effect when the reserve ratio exceeds 1.15 percent, 2 percent, and 2.5 percent. For more information, go to: Risk Categories & Risk Based Assessments and also see FIL-08-2011 for the rate tables for the various stages of reserve ratio capitalization.

 
Risk
Category
I
Risk
Category
II
Risk
Category
III
Risk
Category
IV
Large and Highly Complex Institutions
Initial Base Assessment Rate
5–9
14
23
35
5–35
Unsecured Debt Adjustment **
(4.5)–0
(5)–0
(5)–0
(5)–0
(5)–0
Brokered Deposit Adjustment (added)
……
0–10
0–10
0–10
0–10
Total Base Assessment Rate
2.5–9
9-24
18-33
30-45
2.5–45

* Total base assessment rates do not include the depository institution debt adjustment.
**The unsecured debt adjustment cannot exceed the lesser of 5 basis points or 50 percent of an insured depository institution’s initial base assessment rate; thus for example, an insured depository institution with an initial base assessment rate of 5 basis points will have a maximum unsecured debt adjustment of 2.5 basis points and cannot have a total base assessment rate lower than 2.5 basis points.

Assessment Rates for newly insured small institutions (those insured less than 5 years) *

  Risk
Category
I
Risk
Category
II
Risk
Category
III
Risk
Category
IV
Initial Base Assessment Rate 9 14 23 35
Brokered Deposit Adjustment (added) N/A 0 to 10 0 to 10 0 to 10
Total Base Assessment Rate 9 14 to 24 23 to 33 35 to 45
* Total base assessment rates do not include the depository institution debt adjustment.

Prior Period Rates from January 1, 1997 - March 31, 2011

 


 

 






Last Updated 12/10/2012 Assessments@fdic.gov