Transparency & Accountability - Bank Applications

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class="glider-card-thumbnail"><a href="https://podcasters.spotify.com/pod/show/fdic/episodes/The-Unbanked-e2r5eil"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-03/fdicpodcastgraphic-283x143.png?itok=i_SSbqZp" width="277" height="141" alt="FDIC Podcast" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PODCASTS / November 18, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://podcasters.spotify.com/pod/show/fdic/episodes/The-Unbanked-e2r5eil">The Unbanked</a> </div> </div> <div class="glider-card full-border " id="glider-card-1" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-11/househld-survey-latest-news-flyover-283-143px.png?itok=2dwUJY-d" width="277" height="141" alt="househld-survey-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / November 12, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023">FDIC Survey Finds 96 Percent of U.S. Households Were Banked in 2023</a> </div> </div> <div class="glider-card full-border " id="glider-card-2" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/bank-lates-news-283x143px.jpg?itok=XuBcx7Qv" width="277" height="141" alt="Bank Latest News" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 18, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national">First Bank & Trust Co., Duncan, OK, Acquires Insured Deposits of The First…</a> </div> </div> <div class="glider-card full-border " id="glider-card-3" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/pen_latest-news-flyover-283-143px.png?itok=-RyrE1Hf" width="277" height="141" alt="pen-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 16, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct">FDIC Appoints Hansel Cordeiro as Director of New Office of Professional Co…</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="tbm-item level-1 tbm-item--has-dropdown" aria-level="1" > <div class="tbm-link-container"> <a href="/resources" class="tbm-link level-1 tbm-toggle" aria-expanded="false"> Resources </a> <button class="tbm-submenu-toggle"><span class="visually-hidden">Toggle submenu</span></button> </div> <div class="tbm-submenu tbm-item-child" role="list"> <div class="tbm-row"> <div class="tbm-column span6 menu-description-block"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div id="block-block-contentd9dc1eac-d6f9-400d-9a4a-5337a211b14d" class="block block-block-content block-block-contentd9dc1eac-d6f9-400d-9a4a-5337a211b14d"> <div class="field field--name-body field--type-text-with-summary field--label-hidden field__items"> <div class="field__item"><h2>Resources</h2><p>The FDIC provides a wealth of resources for consumers, 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Unbanked</a> </div> </div> <div class="glider-card full-border " id="glider-card-1" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-11/househld-survey-latest-news-flyover-283-143px.png?itok=2dwUJY-d" width="277" height="141" alt="househld-survey-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / November 12, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023">FDIC Survey Finds 96 Percent of U.S. Households Were Banked in 2023</a> </div> </div> <div class="glider-card full-border " id="glider-card-2" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/bank-lates-news-283x143px.jpg?itok=XuBcx7Qv" width="277" height="141" alt="Bank Latest News" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 18, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national">First Bank & Trust Co., Duncan, OK, Acquires Insured Deposits of The First…</a> </div> </div> <div class="glider-card full-border " id="glider-card-3" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/pen_latest-news-flyover-283-143px.png?itok=-RyrE1Hf" width="277" height="141" alt="pen-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 16, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct">FDIC Appoints Hansel Cordeiro as Director of New Office of Professional Co…</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="tbm-item level-1 tbm-item--has-dropdown" aria-level="1" > <div class="tbm-link-container"> <a href="/analysis" class="tbm-link level-1 tbm-toggle" aria-expanded="false"> Analysis </a> <button class="tbm-submenu-toggle"><span class="visually-hidden">Toggle submenu</span></button> </div> <div class="tbm-submenu tbm-item-child" role="list"> <div 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Browse our extensive research tools and reports.</p><p><a href="/analysis">More FDIC Analysis</a></p></div></div> </div> </div> </div> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-3" role="list"> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/center-financial-research" class="tbm-link level-2"> Center for Financial Research </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/consumer-research" class="tbm-link level-2"> Consumer Research </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/household-survey" class="tbm-link level-2"> FDIC National Survey of Unbanked and Underbanked Households </a> </div> </li> </ul> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-4" role="list"> 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href="/quarterly-banking-profile/fdic-quarterly-banking-profile-second-quarter-2024">FDIC-Insured Institutions Reported Net Income of $71.5 Billion</a> </div> </div> <div class="glider-card full-border " id="glider-card-1" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="https://www.fdic.gov/analysis/quarterly-banking-profile/qbp/2024mar/"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-05/qbp-q1-2024.png?itok=WG14C4zi" width="277" height="141" alt="Quarterly Banking Profile for First Quarter 2024" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> EVENT / May 29, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://www.fdic.gov/analysis/quarterly-banking-profile/qbp/2024mar/">Quarterly Banking Profile for First Quarter 2024</a> </div> </div> <div class="glider-card full-border " id="glider-card-2" style="background-color: #FFFFFF;"> <div 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width="277" height="141" alt="Quarterly Banking Profile for Third Quarter 2023" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> EVENT / November 29, 2023 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://www.fdic.gov/analysis/quarterly-banking-profile/qbp/2023sep/">Quarterly Banking Profile for Third Quarter 2023</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="tbm-item level-1 tbm-item--has-dropdown" aria-level="1" > <div class="tbm-link-container"> <a href="/news" class="tbm-link level-1 tbm-toggle" aria-expanded="false"> News </a> <button class="tbm-submenu-toggle"><span class="visually-hidden">Toggle submenu</span></button> </div> <div class="tbm-submenu tbm-item-child" role="list"> <div class="tbm-row"> <div class="tbm-column span6 menu-description-block"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div 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Keep up with FDIC announcements, read speeches and testimony on the latest banking issues, learn about policy changes for banks, and get the details on upcoming conferences and events.</p><p><a href="https://www.fdic.gov/news/">Find More FDIC News</a></p></div></div> </div> </div> </div> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-6" role="list"> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/press-releases/current.html" class="tbm-link level-2"> Press Releases </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/financial-institution-letters/index.html" class="tbm-link level-2"> Financial Institution Letters </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/events" class="tbm-link level-2"> Conferences & Events </a> </div> </li> <li 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"> <div class="glider-card full-border " id="glider-card-0" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="https://podcasters.spotify.com/pod/show/fdic/episodes/The-Unbanked-e2r5eil"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-03/fdicpodcastgraphic-283x143.png?itok=i_SSbqZp" width="277" height="141" alt="FDIC Podcast" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PODCASTS / November 18, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://podcasters.spotify.com/pod/show/fdic/episodes/The-Unbanked-e2r5eil">The Unbanked</a> </div> </div> <div class="glider-card full-border " id="glider-card-1" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-11/househld-survey-latest-news-flyover-283-143px.png?itok=2dwUJY-d" width="277" height="141" alt="househld-survey-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / November 12, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023">FDIC Survey Finds 96 Percent of U.S. Households Were Banked in 2023</a> </div> </div> <div class="glider-card full-border " id="glider-card-2" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/bank-lates-news-283x143px.jpg?itok=XuBcx7Qv" width="277" height="141" alt="Bank Latest News" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 18, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national">First Bank & Trust Co., Duncan, OK, Acquires Insured Deposits of The First…</a> </div> </div> <div class="glider-card full-border " id="glider-card-3" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/pen_latest-news-flyover-283-143px.png?itok=-RyrE1Hf" width="277" height="141" alt="pen-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 16, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct">FDIC Appoints Hansel Cordeiro as Director of New Office of Professional Co…</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="tbm-item level-1 megamenu-search tbm-item--has-dropdown" aria-level="1" > <div class="tbm-link-container"> <span class="tbm-link level-1 no-link tbm-toggle" tabindex="0" aria-expanded="false"> Search </span> <button class="tbm-submenu-toggle"><span class="visually-hidden">Toggle submenu</span></button> </div> <div class="megamenu-search-submenu tbm-submenu tbm-item-child" role="list"> <div class="tbm-row"> <div class="tbm-column span12"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div id="block-block-contentd1147a03-bf80-463f-aa08-63c2f29068a0" class="block block-block-content block-block-contentd1147a03-bf80-463f-aa08-63c2f29068a0"> <div class="field field--name-body 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paragraph--type--text paragraph--view-mode--default"> <p>In its role as federal regulator, the FDIC reviews applications submitted by its insured institutions, individuals, and other entities for approval to undertake various transactions. These include applications for obtaining federal deposit insurance, engaging in mergers and acquisitions, and establishing branches.</p><p>Actions for selected application types since 2013 can be searched from the <a href="/regulations/applications/actions.html">Application Search Tool</a>.</p><p>For further questions regarding bank applications, please contact <a href="mailto:supervision@fdic.gov">Supervision@fdic.gov</a>.</p><table><caption><strong>Overview of Application Activity 12 months ending 10/31/2024</strong><br><br>Disposition of applications received</caption><thead><tr><th>Disposition</th><th>Deposit Insurance</th><th>Branch</th><th>Change in Control</th><th>Merger</th><th>Management Change</th><th>Total</th></tr></thead><tbody><tr><td>Approved</td><td><p class="text-align-center">9</p></td><td><p class="text-align-center">364</p></td><td><p class="text-align-center">4</p></td><td><p class="text-align-center">63</p></td><td><p class="text-align-center">75</p></td><td><p class="text-align-center">515</p></td></tr><tr><td>Denied</td><td><p class="text-align-center">0</p></td><td><p class="text-align-center">0</p></td><td><p class="text-align-center">0</p></td><td><p class="text-align-center">0</p></td><td><p class="text-align-center">0</p></td><td><p class="text-align-center">0</p></td></tr><tr><td>Returned</td><td><p class="text-align-center">1</p></td><td><p class="text-align-center">2</p></td><td><p class="text-align-center">0</p></td><td><p class="text-align-center">2</p></td><td><p class="text-align-center">13</p></td><td><p class="text-align-center">18</p></td></tr><tr><td>Withdrawn</td><td><p class="text-align-center">6</p></td><td><p class="text-align-center">18</p></td><td><p class="text-align-center">1</p></td><td><p class="text-align-center">3</p></td><td><p class="text-align-center">21</p></td><td><p class="text-align-center">49</p></td></tr><tr><td><strong>Totals</strong></td><td><p class="text-align-center"><strong>16</strong></p></td><td><p class="text-align-center"><strong>384</strong></p></td><td><p class="text-align-center">5</p></td><td><p class="text-align-center"><strong>68</strong></p></td><td><p class="text-align-center"><strong>109</strong></p></td><td><p class="text-align-center"><strong>582</strong></p></td></tr></tbody></table><table><caption>Processing days from original receipt</caption><thead><tr><th> </th><th>Deposit Insurance</th><th>Branch</th><th>Change in Control</th><th>Merger</th><th>Management Change</th><th>Total</th></tr></thead><tbody><tr><td>Average</td><td><p class="text-align-center">377</p></td><td><p class="text-align-center">31</p></td><td><p class="text-align-center">93</p></td><td><p class="text-align-center">144</p></td><td><p class="text-align-center">50</p></td><td><p class="text-align-center">-</p></td></tr><tr><td>Median</td><td><p class="text-align-center">257</p></td><td><p class="text-align-center">23</p></td><td><p class="text-align-center">91</p></td><td><p class="text-align-center">109</p></td><td><p class="text-align-center">37</p></td><td><p class="text-align-center">-</p></td></tr></tbody></table><table><caption>Processing days from receipt of a substantially complete application</caption><thead><tr><th> </th><th>Deposit Insurance</th><th>Branch</th><th>Change in Control</th><th>Merger</th><th>Management Change</th><th>Total</th></tr></thead><tbody><tr><td>Average</td><td><p class="text-align-center">175</p></td><td><p class="text-align-center">23</p></td><td><p class="text-align-center">46</p></td><td><p class="text-align-center">71</p></td><td><p class="text-align-center">33</p></td><td><p class="text-align-center">-</p></td></tr><tr><td>Median</td><td><p class="text-align-center">154</p></td><td><p class="text-align-center">19</p></td><td><p class="text-align-center">30</p></td><td><p class="text-align-center">48</p></td><td><p class="text-align-center">28</p></td><td><p class="text-align-center">-</p></td></tr><tr><td><strong>Timeframe Goal<sup>1</sup></strong></td><td><p class="text-align-center"><strong>120</strong></p></td><td><p class="text-align-center"><strong>30</strong></p></td><td><p class="text-align-center"><strong>45</strong></p></td><td><p class="text-align-center"><strong>60</strong></p></td><td><p class="text-align-center"><strong>26</strong></p></td><td><p class="text-align-center">-</p></td></tr><tr><td>Total # Approved within Goal</td><td><p class="text-align-center">4</p></td><td><p class="text-align-center">325</p></td><td><p class="text-align-center">3</p></td><td><p class="text-align-center">38</p></td><td><p class="text-align-center">26</p></td><td><p class="text-align-center">306</p></td></tr><tr><td>Percent</td><td><p class="text-align-center">44%</p></td><td><p class="text-align-center">89%</p></td><td><p class="text-align-center">75%</p></td><td><p class="text-align-center">60%</p></td><td><p class="text-align-center">35%</p></td><td><p class="text-align-center">77%</p></td></tr><tr><td colspan="7"><p class="text-align-center"><sup>1</sup>Processing days from receipt of a substantially complete application for approvals<br> </p><h5 class="text-align-center">Archive of Overviews of Application Activity<br><a href="/transparency/appactivityarchive-2023.html">12 months ending 12/31/2023</a><br><a href="/transparency/appactivityarchive-2022.html">12 months ending 12/31/2022</a><br><a href="/transparency/appactivityarchive-2021.html">12 months ending 12/31/2021</a><br><a href="/transparency/appactivityarchive-2020.html">12 months ending 12/31/2020</a><br><a href="/transparency/appactivityarchive-2019.html">12 months ending 12/31/2019</a><br><a href="/transparency/appactivityarchive.html">12 months ending 12/31/2018</a></h5></td></tr></tbody></table> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--card-group paragraph--view-mode--default width--unset"> <div class="field field--name-field-cards field--type-entity-reference-revisions field--label-hidden field__items"> <div class="field__item"> <div class="paragraph paragraph--type--card paragraph--view-mode--default card-display--card-left-align has-image"> <div class="card-thumbnail field field--name-field-card-paragraph-image field--type-entity-reference field--label-hidden field__items"> <img loading="lazy" src="/system/files/2024-07/blue-books.jpg" width="700" height="700" alt="Image of a bank" /> </div> <div class="card-text-wrapper"> <h2 class="usa-card__heading"> <a href="/regulations/applications/resources" aria-label="Learn more about Bank Application Resources"> Bank Application Resources </a> </h2> <div class="card-body field field--name-field-card-paragraph-body field--type-text-long field--label-hidden field__items"><p><span>Resources that govern applications to the FDIC.</span></p></div> </div> </div> </div> <div class="field__item"> <div class="paragraph 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field--type-entity-reference field--label-hidden field__items"> <img loading="lazy" src="/system/files/2024-07/bankapps.jpg" width="159" height="158" alt="Image of woman talking to man with a report in hand" /> </div> <div class="card-text-wrapper"> <h2 class="usa-card__heading"> <a href="/regulations/applications/depositinsurance" aria-label="Learn more about Applications for Deposit Insurance"> Applications for Deposit Insurance </a> </h2> <div class="card-body field field--name-field-card-paragraph-body field--type-text-long field--label-hidden field__items"><p><span>Information and resources important to the deposit insurance application process.</span></p></div> </div> </div> </div></div> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <p><a href="/regulations/laws/forms/applications.html"><strong>Bank Supervision: Applications, Notices, & Reporting Forms</strong></a></p><p><a href="/regulations/applications/actions.html"><strong>Application Search Tool</strong></a></p><p><a href="/regulations/laws/matrix/delegations-filings.pdf"><strong>Delegations of Authority: Applications & Filings</strong></a></p><table><tbody><tr><td>Bank Applications</td><td><a href="/transparency/examination.html"><strong>Bank Examinations</strong></a></td><td><a href="/transparency/consumers.html"><strong>Consumer Protection & Deposit Insurance</strong></a></td></tr><tr><td><a href="/transparency/bankers.html"><strong>Deposit Insurance for Bankers</strong></a></td><td><a href="/transparency/legal.html"><strong>Legal Matters</strong></a></td><td><a href="/transparency/resolutions.html"><strong>Resolutions & Failed Banks</strong></a></td></tr></tbody></table> </div> </div></div> </div> </article> </div> <div id="block-fdic-theme-news-last-updated-block" class="text-align-right block block-fdic-custom block-fdic-node-last-updated-block"> <p>Last Updated: November 8, 2024</p> </div> 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