{"data":{"id":"us/12-cfr-25.63","jurisdiction":"us","citation":"12 CFR 25.63","heading":"Loan-to-deposit ratio screen.","body":"(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 or savings association's statewide loan-to-deposit ratio is less than 50 percent of the relevant host State loan-to-deposit ratio.\n(b) Results of screen. (1) If the OCC determines that the bank's or savings association'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.\n(2) If the OCC determines that the bank's or savings association'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 or savings association's statewide loan-to-deposit ratio, the OCC will make a credit needs determination for the bank or savings association as provided in § 25.64.","path":["Title 12—Banks and Banking","CHAPTER I—COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY","PART 25—COMMUNITY REINVESTMENT ACT AND INTERSTATE DEPOSIT PRODUCTION REGULATIONS","Subpart F—Prohibition Against Use of Interstate Branches Primarily for Deposit Production"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-12.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:16Z","sha256":"df7fbdf712b2fe2346630aa48272f309674e86991c16f2b183c5c2bce9a74b91","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-25.62","next":"us/12-cfr-25.64"},"notice":"GroundRules: Original legal text. Not legal advice."}