Federal banking regulators on Thursday released a list of the estimated average loan-to-deposit ratio of banks based in each of the 50 states and the District of Columbia.

The list will be used to evaluate whether out-of-state branches are meeting local credit needs. Under a rule that took effect last October, banks branching across state lines must maintain a loan-to-deposit ratio equal to 50% of the state's average. For example, a bank based in Iowa that branches into Indiana would have to lend at least 45% of its deposits, because Indiana's average loan-to-deposit ratio is 90%.

Subscribe Now

Access to authoritative analysis and perspective and our data-driven report series.

14-Day Free Trial

No credit card required. Complete access to articles, breaking news and industry data.