12 C.F.R. § 25.63 Loan-to-deposit ratio screen.
Title 12 - Banks and Banking
(a) Application of screen. Beginning no earlier than one year after a covered interstate branch is acquired or established, the OCC will consider whether the bank's statewide loan-to-deposit ratio is less than 50 percent of the relevant host State loan-to-deposit ratio. (b) Results of screen. (1) If the OCC determines that the bank's statewide loan-to-deposit ratio is 50 percent or more of the host state loan-to-deposit ratio, no further consideration under this subpart is required. (2) If the OCC determines that the bank's statewide loan-to-deposit ratio is less than 50 percent of the host state loan-to-deposit ratio, or if reasonably available data are insufficient to calculate the bank's statewide loan-to-deposit ratio, the OCC will make a credit needs determination for the bank as provided in §25.64. [62 FR 47734, Sept. 10, 1997, as amended at 67 FR 38848, June 6, 2002]
Title 12: Banks and Banking
PART 25—COMMUNITY REINVESTMENT ACT AND INTERSTATE DEPOSIT PRODUCTION REGULATIONS
Subpart E—Prohibition Against Use of Interstate Branches Primarily for Deposit Production
§ 25.63 Loan-to-deposit ratio screen.
