On June 25, 2026, the FDIC issued a notice of proposed rulemaking to amend its assessment regulations for all FDIC-insured institutions. The proposal aims to update the framework used to determine assessment rates and institutional classifications.
First, the proposed rule would raise the asset threshold separating small and large institutions from $10 billion to $30 billion. Additionally, the proposal implements an indexing methodology to periodically adjust this threshold in the future. In recognition of recent growth in the Deposit Insurance Fund (DIF) and the reserve ratio, the proposal would decrease initial base assessment rate schedules across the board. Furthermore, the proposal introduces a downward resolution readiness adjustment of up to one basis point for large or highly complex institutions.
To assist institutions in estimating their potential assessment rates under these revised schedules and adjustments, the FDIC has provided assessment rate calculators on its official website.
Read the FDIC’s press release here.