Why it might be time to revisit a key FDIC ratio
Jul 23, 2026 · 12 min · 11 segments
What kind of difference can a single ratio make? In a new ABA DataBank essay, ABA's Patrick…
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Jul 23, 2026 · 12 min · 11 segments
What kind of difference can a single ratio make? In a new ABA DataBank essay, ABA's Patrick…
Pat MitchellGuest
Evan SparksHost
Brittany KleinpasteGuest
And the way I've been thinking about this issue is that it's a little meta because y'all have written about a recommendation to change a simulation that is used to calibrate a calculation.
This is something that applies to every single bank because every single bank pays into the deposit insurance fund.
Pat and Brittany, can you give our listeners a quick overview of what of the measurements we're talking about here? Does designated reserve ratio, minimum reserve ratio, and how these numbers go into the calculations of federal deposit insurance?
And the way I've been thinking about this issue is that it's a little meta because y'all have written about a recommendation to change a simulation that is used to calibrate a calculation.
This is something that applies to every single bank because every single bank pays into the deposit insurance fund.
Pat and Brittany, can you give our listeners a quick overview of what of the measurements we're talking about here? Does designated reserve ratio, minimum reserve ratio, and how these numbers go into the calculations of federal deposit insurance?
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