Banks' Safety Cushion Stays Exactly the Same
Published Date: 11/28/2025
Notice
Summary
The FDIC has decided to keep the Designated Reserve Ratio (DRR) at 2% for 2026, meaning banks will continue to hold the same amount of money to protect depositors. This steady rate helps keep the Deposit Insurance Fund strong without changing costs for banks or customers. The decision was announced in late 2025 and keeps things stable for the year ahead.
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
FDIC Keeps DRR at 2% for 2026
The FDIC announced that the Designated Reserve Ratio (DRR) for the Deposit Insurance Fund will remain at 2 percent for 2026. This decision, dated November 25, 2025 and published in the Federal Register on November 28, 2025, means banks will continue to hold the same amount to protect depositors and there will be no change in costs for banks or customers.
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