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Federal Deposit
Insurance Corporation

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

Current and Future Assessment Calculators

In August 2006, the FDIC began providing a spreadsheet calculator on our website. These calculators can be downloaded and used by bankers to estimate insurance assessment rates for future quarter(s). The calculators contain 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, and the future assessment methodology for established small institutions, under the Final Rule of Small Bank Pricing – PDF.

Calculators updated to include data as of September 30, 2016.


The Federal Deposit Insurance Reform Act of 2005 (the Reform Act) required that the Federal Deposit Insurance Corporation (the FDIC) prescribe final regulations, after notice and opportunity for comment, to provide for deposit insurance assessments under section 7(b) of the Federal Deposit Insurance Act.

Pursuant to this requirement, the FDIC approved on February 7, 2011, a new rule on risk-based assessments for large banks. This calculator illustrates how an institution’s assessment rate would be determined (which is discussed more fully in the approved rule).

The calculators do not purport to predict actual assessment rates for any institution and should not be so construed. As noted under “User Information,” the purpose of these workbooks is to allow an institution to determine what its assessment rate would be under the approved rules based on its recent data and the new assessment rate schedule, and to simulate how a change in the value of supervisory ratings or financial ratios may affect its assessment rate. As data change, rates may change. In addition, the rates that the FDIC may adopt for future assessment periods may differ from those shown.

Assessment Rate Schedules

Starting Third Quarter 2016 (December 2016 Invoice) and currently in effect.

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

  Small Banks Large & Highly Complex Institutions
Initial Base Assessment Rate 3 to 30 3 to 30
Unsecured Debt Adjustment (added) *** -5 to 0 -5 to 0
Brokered Deposit Adjustment (added) N/A 0 to 10
Total Base Assessment Rate 1.5 to 30 1.5 to 40

* 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 7 12 19 30
Brokered Deposit Adjustment (added) N/A 0 to 10 0 to 10 0 to 10
Total Base Assessment Rate 7 12 to 22 19 to 29 30 to 40

  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
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