Total Assets
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Reciprocal Deposit Reform Calculator
Input a bank name or FDIC certificate below to explore reciprocal deposit caps under H.R. 6644 Reciprocal Deposit Reform.
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At a Glance
Total Liabilities
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Outstanding Reciprocal Deposits (per Call Report)
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Net Increase in Non-Brokered Reciprocal Cap*
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Reciprocal Deposit Caps Under Previous and New Rules
All #'s in 000's
| Total Liability Tiers | Previous Rules | New Rule (HR 6644) | ||
|---|---|---|---|---|
| Percentage | Eligible Reciprocal | Percentage | Eligible Reciprocal | |
A New Framework for Reciprocal Deposits is Here.
The 21st Century ROAD to Housing Act (H.R. 6644) replaces the current flat reciprocal deposit cap with a progressive, liabilities-based framework that can reach up to $30 billion once implemented through FDIC rulemaking.
Here’s how the new framework is calculated:
- 50% of the first $1B of total liabilities
- 40% of the next $9B
- 30% of the remaining liability bands (up to the statutory maximum)
Each liability band is calculated separately, and the amounts are added together to determine the total reciprocal deposits excluded from brokered treatment.
Let’s discuss what this means for your institution and how R&T can help you prepare for what’s ahead.
Subject to FDIC implementation. Each tier is calculated separately and added cumulatively.
*Represents the difference between the Total Available Capacity up to the Non-Brokered Reciprocal Cap under the previous rules and the Available Capacity up to the Non-Brokered Reciprocal Cap under the new rule (H.R. 6644).
Notice: The information displayed above, including any amounts, is based on publicly available data, provided for informational purposes only, and not intended to or otherwise constitute legal or other advice. Users should consult with their own regulatory or legal advisors on any new laws or regulations and related interpretations. R&T does not make any representations on whether a bank can classify deposits as brokered or non-brokered – this is solely the determination of that bank. Users are also responsible for confirming the accuracy of source data, any underlying assumptions, and relevant regulatory interpretations prior to using or otherwise making decisions based on the information above.