Federal bank regulatory agencies have issued updated host state loan-to-deposit ratios, as required by law. These ratios indicate the proportion of total loans to total deposits within a state for banks that consider that state their home base. The newly released figures replace those from May 2024.

According to legal stipulations, banks are generally barred from setting up or acquiring branches outside their home states mainly to gather more deposits. This rule aims to ensure that interstate bank branches do not withdraw deposits from a community without adequately contributing to its credit needs.