Today, the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation issued updated host state loan-to-deposit ratios, which are used to determine whether banks are compliant with section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994, according to a joint release from the agencies. The provision prohibits a bank from "establishing or acquiring a branch or branches outside of its home state primarily for the purpose of deposit production" and provides a process to test compliance that uses these percentages. For more, read the full release and access the updated ratios.