WASHINGTON — The American Bankers Association issued a study Wednesday predicting that the costs associated with raising deposit insurance coverage to $200,000 per account would outweigh the meager new deposits that such an increase would draw.

Though the trade group stopped short of officially withdrawing its endorsement of doubling coverage, the study clearly lays the groundwork for backing off a proposal popular with many community bankers but opposed by top policymakers. Donald R. Mengedoth, chairman of Community First Bankshares in Fargo, N.D., and president of the ABA, said in an interview Wednesday that many bankers would change their minds after reading the conclusion that a coverage hike would force them to pay higher deposit insurance premiums.

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