Bank regulators on Wednesday released updated metrics used to evaluate compliance with interstate banking laws.
Federal law requires out-of-state banks to meet certain requirements for serving the credit needs of their host states.
An out-of-state institution must either maintain a loan-to-deposit ratio that is at least half the published ratio for all institutions in the host state, or, in the opinion of regulators, be reasonably meeting credit needs of the communities served by its interstate branches.
The data released on Wednesday includes host-state loan-to-deposit ratios for all 50 states, as well as U.S. territories. The ratios range from 46% in Delaware to 98% in Utah.
The metrics were released jointly by the Federal Reserve, Federal Deposit Insurance Corp. and the Office of the Comptroller of the Currency.