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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

Current Assessment Calculators

In August 2006, the FDIC began providing a spreadsheet calculator on our website. This calculator can be downloaded and used by bankers to estimate insurance assessment rates for future quarter(s). The calculator contains all public financial data.

The calculators illustrate deposit insurance assessment rates effective April 1, 2011, under the Final Rule of Assessments, Dividends, Assessment Base, and Large Bank Pricing - PDF

Calculators updated to include data as of March 31, 2014

Starting April 1, 2011 and currently in effect.

Total Base Assessment Rates for established institutions (insured 5 or more years) *

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

* Total base assessment rates do not include the depository institution debt adjustment.
** See §327.8(f) and §327.8(g) for the definition of large and highly complex institutions.
*** 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.

Total Base 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.

The following table shows the relationship between an institution's Capital Group and Supervisory Group and an institution's risk category.

  Supervisory Group A Supervisory Group B Supervisory Group C
Capital Group 1 (Well Capitalized) Risk Category I Risk Category II Risk Category III
Capital Group 2 (Adequately Capitalized) Risk Category II Risk Category II Risk Category III
Capital Group 3 (Under Capitalized) Risk Category III Risk Category III Risk Category IV