---
kind: "section"
citation: "12 C.F.R. § 369.3"
title: "12"
number: "369.3"
heading: "Loan-to-deposit ratio screen."
url: "https://uscodex.org/cfr/12/369.3"
---

# §369.3. 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 FDIC will consider whether the bank'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 FDIC determines that the bank's statewide loan-to-deposit ratio is 50 percent or more of the host state loan-to-deposit ratio, no further consideration under this part is required.
  - (2) If the FDIC determines that the bank'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 statewide loan-to-deposit ratio, the FDIC will make a credit needs determination for the bank as provided in [§ 369.4](/cfr/12/369.4.md).

## Notes

### Amendments

[62 FR 47737, Sept. 10, 1997, as amended at 67 FR 38848, June 6, 2002]

### Authority

Authority: 12 U.S.C. 1819 (Tenth) and 1835a.

### Source

Source: 62 FR 47737, Sept. 10, 1997, unless otherwise noted.

### Amendments

[62 FR 47737, Sept. 10, 1997, as amended at 67 FR 38848, June 6, 2002]