Deal of The Day! Hurry Up, Grab the Special Discount - Save 25% - Ends In 00:00:00 Coupon code: SAVE25
Welcome to Pass4Success

- Free Preparation Discussions
Mail Us support@pass4success.com
Location US
Mob_nav_barsMENU

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?

Show Suggested Answer Hide 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
2 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?
upvoted 0 times
...
Carin
2 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?
upvoted 0 times
Micheal
20 days ago
User 3: I'm going with D) At least 25 percent, it seems fair for a national bank.
upvoted 0 times
...
Jonell
28 days ago
User 2: I agree, national banks should meet the same standards as local banks.
upvoted 0 times
...
Lashawnda
29 days ago
User 1: I think it should be at least 78 percent.
upvoted 0 times
...
...
Rebbecca
2 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.
upvoted 0 times
...
Lon
2 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.
upvoted 0 times
...
Rolf
2 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.
upvoted 0 times
Margot
1 months ago
Exactly, it's a requirement of the Reigle-Neal Act.
upvoted 0 times
...
Johnathon
2 months ago
That makes sense, the bank needs to match the host state's ratio.
upvoted 0 times
...
Nida
2 months ago
A) At least 78 percent
upvoted 0 times
...
...
Maile
3 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
3 months ago
I agree with Devorah, because the loan-to-deposit ratio for Nebraska is 78 percent.
upvoted 0 times
...
Devorah
3 months ago
I think the answer is A) At least 78 percent.
upvoted 0 times
...

Save Cancel