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Code of Federal Regulations (Last Updated: November 8, 2024) |
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Title 12 - Banks and Banking |
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Chapter I—Comptroller of the Currency, Department of the Treasury |
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Part 25 - Community Reinvestment Act and Interstate Deposit Production Regulations |
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Subpart F - Prohibition Against Use of Interstate Branches Primarily for Deposit Production |
§ 25.63 - Loan-to-deposit ratio screen.
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§ 25.63 Loan-to-deposit ratio screen.
(a) Application of screen. Beginning no earlier than one year after a covered interstate branch is acquired or established, the OCC will consider whether the bank's or savings association's statewide loan-to-deposit ratio is less than 50 percent of the relevant host State loan-to-deposit ratio.
(b) Results of screen.
(1) If the OCC determines that the bank's or savings association's statewide loan-to-deposit ratio is 50 percent or more of the host state loan-to-deposit ratio, no further consideration under this subpart is required.
(2) If the OCC determines that the bank's or savings association's statewide loan-to-deposit ratio is less than 50 percent of the host state loan-to-deposit ratio, or if reasonably available data are insufficient to calculate the bank's or savings association's statewide loan-to-deposit ratio, the OCC will make a credit needs determination for the bank or savings association as provided in § 25.64.