Loan-to-deposit ratios rise in most US states

- By Joshua Walker
- 23 May 2025

Loan-to-deposit ratios (LDRs) rose in 43 of 54 US states and territories over the 12 months to June 2024, the latest figures from the US Federal Reserve show.

The host state LDR reflects the balance of loans and deposits in a given state, booked by banks domiciled in that state. It is used to assess compliance with rules prohibiting banks from harvesting deposits from a non-host state without also

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