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About

Transparency & Accountability - Bank Applications

In its role as federal regulator, the FDIC reviews applications submitted by its insured institutions, individuals, and other entities for approval to undertake various transactions. These include applications for obtaining federal deposit insurance, engaging in mergers and acquisitions, and establishing branches.

Actions for selected application types for the past ten years can be searched from the Application Search Tool.

For further questions regarding bank applications, please contact Supervision@fdic.gov.

Overview of Application Activity 12 months ending 1/31/2026

Disposition of applications received
DispositionDeposit InsuranceBranchChange in ControlMergerManagement ChangeTotal
Approved

11

414

11

103

65

604

Denied

0

0

0

0

2

2

Returned

0

1

1

2

1

5

Withdrawn

3

10

1

5

10

29

Totals

14

425

13

110

78

640

Processing days from original receipt
 Deposit InsuranceBranchChange in ControlMergerManagement ChangeTotal
Average

355

35

160

95

39

-

Median

259

21

83

69

32

-

Processing days from receipt of a substantially complete application
 Deposit InsuranceBranchChange in ControlMergerManagement ChangeTotal
Average

176

22

65

54

24

-

Median

119

18

46

44

24

-

Timeframe Goal1

120

30

45

60

25

-

Total # Approved within Goal

6

367

5

78

44

500

Percent

55%

89%

45%

76%

68%

83%

1Processing days from receipt of a substantially complete application for approvals
 

Archive of Overviews of Application Activity
12 months ending 12/31/2025
12 months ending 12/31/2024
12 months ending 12/31/2023
12 months ending 12/31/2022
12 months ending 12/31/2021
12 months ending 12/31/2020
12 months ending 12/31/2019
12 months ending 12/31/2018
Image of a bank

Bank Application Resources

Resources that govern applications to the FDIC.

Image of woman talking to man with a report in hand

Decisions on Bank Applications

Decisions by FDIC on various types of bank applications.

Image of of pending stamped document

Pending New Deposit Insurance Applications

Applications submitted by individuals and other entities for approval to establish new FDIC-insured institutions.

Image of woman talking to man with a report in hand

Applications for Deposit Insurance

Information and resources important to the deposit insurance application process.

Last Updated: February 10, 2026