---
kind: "section"
citation: "12 C.F.R. § 25.63"
title: "12"
number: "25.63"
heading: "Loan-to-deposit ratio screen."
url: "https://uscodex.org/cfr/12/25.63"
---

# §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](/cfr/12/25.64.md).

## Notes

### Source

Source: 86 FR 71339, Dec. 15, 2021, unless otherwise noted. Redesignated and revised at 89 FR 7165, Feb. 1, 2024.

### Authority

Authority: 12 U.S.C. 21, 22, 26, 27, 30, 36, 93a, 161, 215, 215a, 481, 1462a, 1463, 1464, 1814, 1816, 1828(c), 1835a, 2901 through 2908, 3101 through 3111, and 5412(b)(2)(B).

### Source

Source: 86 FR 71339, Dec. 15, 2021, unless otherwise noted.