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

Limited Time Offer

25%

Off

Get Premium CRCM Questions as Interactive Web-Based Practice Test or PDF

Contribute your Thoughts:

Submit Cancel

Tawna

21 days 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?

upvoted 0 times

...

Carin

23 days 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?

upvoted 0 times

...

Rebbecca

24 days 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.

upvoted 0 times

...

Lon

26 days 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.

upvoted 0 times

...

Rolf

28 days 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.

upvoted 0 times

Johnathon

8 days ago

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

upvoted 0 times

...

Nida

12 days ago

A) At least 78 percent

upvoted 0 times

...

Maile

1 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.

upvoted 0 times

...

Marge

1 months ago

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

upvoted 0 times

...

Devorah

2 months ago

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

upvoted 0 times

...