Total Base Assessment Rates for established institutions (insured 5 or more years) *
Risk Category I
Risk Category II
Risk Category III
Risk Category IV
Large & Highly Complex Institutions**
Initial Base Assessment Rate
5 – 9
14
23
35
5 - 35
Unsecured Debt Adjustment (added) ***
-4.5 to 0
-5 to 0
-5 to 0
-5 to 0
-5 to 0
Brokered Deposit Adjustment (added)
N/A
0 to 10
0 to 10
0 to 10
0 to 10
Total Base Assessment Rate
2.5 to 9
9 to 24
18 to 33
30 to 45
2.5 to 45
* Total base assessment rates do not include the depository institution debt adjustment. ** See §327.8(f) and §327.8(g) for the definition of large and highly complex institutions. *** The unsecured debt adjustment cannot exceed the lesser of 5 basis points or 50 percent of an insured depository institution’s initial base assessment rate.
Total Base Assessment Rates for newly insured small institutions (those insured less than 5 years) *
Risk Category I
Risk Category II
Risk Category III
Risk Category IV
Initial Base Assessment Rate
9
14
23
35
Brokered Deposit Adjustment (added)
N/A
0 to 10
0 to 10
0 to 10
Total Base Assessment Rate
9
14 to 24
23 to 33
35 to 45
* Total base assessment rates do not include the depository institution debt adjustment.
Starting January 1, 2007, the FDIC moved from the 9-cell matrix below to 4 risk categories. The following table shows the relationship between the 9-cell matrix and the 4 risk categories.
