Agencies issue host state loan-to-deposit ratios

Federal bank regulatory agencies issued last month the host state loan-to-deposit ratios that are used to evaluate compliance with section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994.

These ratios replace those from June 2025.

Oklahoma dropped 1% to 85% in the ratios released, although still a 9% jump from 2023.

Other neighboring states were as follows:

Arkansas — 84%.
Colorado — 76%.
Kansas — 82%.
Louisiana — 80%.
Missouri — 78%.
New Mexico — 61%.
Texas — 72%.

The entire list of host state loan-to-deposit ratios can be found on the front page of OBA.com.