Federal regulators on Monday updated loan-to-deposit figures that banks must use to determine regulatory requirements in the states where they have branches.

According to the data, North Dakota has the highest loan-to-deposit ratio for a fourth consecutive year; it rose to 172%, from 170% last year. Utah had the lowest ratio, 59%.

Delaware's ratio has dropped dramatically over the past year, to 95% from 149%, while Nevada's has risen to 128% from 108%.

Under the 1994 Riegle-Neal Interstate Banking and Branching Act, banks operating branches outside of their home states must ensure that their loan-to-deposit ratios do not fall below half of the published state ratio for a state in which they are not headquartered.

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