American Bankers Association Exam CRCM Topic 3 Question 110 Discussion

Actual exam question for American Bankers Association's CRCM exam

Question #: 110
Topic #: 3

[All CRCM Questions]

Williams National Bank has its home office in New York State; however, it has branches in Nebrask A . The federal banking agencies most recent host state loanto- deposit publication lists the loan-to-deposit ratio for Nebraska as 78 percent. For Williams Bank to pass the loan-to-deposit screen of the Reigle-Neal Act, what must its loan-to-deposit ratio be for Nebraska?

AAt least 78 percent

BAt least 50 percent

CAt least 39 percent

DAt least 25 percent

Show Suggested Answer

Suggested Answer: C

by Albina at Apr 04, 2025, 12:34 AM

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Tawna

1 months ago

This is a no-brainer! A) At least 78 percent. Unless, of course, the bank wants to be the next Lehman Brothers. Just kidding, but seriously, let's not play fast and loose with the regulations, shall we?

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Carin

1 months ago

Hmm, I'm going with D) At least 25 percent. It's a national bank, so why should it be held to the same standards as a local bank?

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Rebbecca

1 months ago

Definitely C) At least 39 percent. Who cares about matching the host state's ratio? The bank should be able to set its own targets.

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Lon

1 months ago

I think the answer is B) At least 50 percent. That seems like a reasonable threshold for a bank to pass the loan-to-deposit screen.

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Rolf

1 months ago

The correct answer is A) At least 78 percent. This is because the Reigle-Neal Act requires banks to have a loan-to-deposit ratio that matches the host state's ratio, which in this case is 78 percent.

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Margot

13 days ago

Exactly, it's a requirement of the Reigle-Neal Act.

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Johnathon

25 days ago

That makes sense, the bank needs to match the host state's ratio.

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Nida

29 days ago

A) At least 78 percent

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Maile

2 months ago

I'm not sure, but I think it makes sense that Williams Bank would need to have a loan-to-deposit ratio of at least 78 percent to pass the Reigle-Neal Act.

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Marge

2 months ago

I agree with Devorah, because the loan-to-deposit ratio for Nebraska is 78 percent.

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Devorah

2 months ago

I think the answer is A) At least 78 percent.

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