US Reserve Requirement Ratio
US reserve requirement ratio and deposit thresholds set by the Federal Reserve.
| Indicator | 21-09-2026 | 30-07-2026 | 01-01-2026 | 01-01-2025 | 01-01-2024 | 01-01-2023 | 01-01-2022 | 14-01-2021 | 26-03-2020 | 25-03-2020 | 16-01-2020 | 17-01-2019 | 18-01-2018 | 19-01-2017 | 21-01-2016 | 22-01-2015 | 23-01-2014 | 27-12-2012 | 29-12-2011 | 30-12-2010 | 31-12-2009 | 01-01-2009 | 20-12-2007 | 21-12-2006 | 22-12-2005 | 23-12-2004 | 25-12-2003 | 26-12-2002 | 27-12-2001 | 28-12-2000 | 30-12-1999 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RESERVE REQUIREMENT RATIO — CURRENT MECHANISM (SINCE 11/13/1980)3 | ||||||||||||||||||||||||||||||||
| Net transaction deposits — amount within low reserve tranche | 0 | 0 | 0 | 3 | ||||||||||||||||||||||||||||
| Net transaction deposits — amount exceeding low reserve tranche | 0 | 0 | 0 | 10 | ||||||||||||||||||||||||||||
| Non-transaction deposits (non-personal time deposits and foreign currency liabilities) | 0 | 0 | ||||||||||||||||||||||||||||||
| DEPOSIT THRESHOLD DETERMINING RESERVE REQUIREMENT2 | ||||||||||||||||||||||||||||||||
| Low reserve tranche | 674.1 | 645.8 | 644 | 691.7 | 640.6 | 182.9 | 127.5 | 124.2 | 122.3 | 115.1 | 110.2 | 103.6 | 89 | 79.5 | 71 | 58.8 | 55.2 | 44.4 | 43.9 | 45.8 | 48.3 | 47.6 | 45.4 | 42.1 | 41.3 | 42.8 | 44.3 | |||||
| Reserve exemption amount | 39.2 | 37.8 | 36.1 | 36.1 | 32.4 | 21.1 | 16.9 | 16.3 | 16 | 15.5 | 15.2 | 14.5 | 13.3 | 12.4 | 11.5 | 10.7 | 10.7 | 10.3 | 9.3 | 8.5 | 7.8 | 7 | 6.6 | 6 | 5.7 | 5.5 | 5 |
Latest reading
Low reserve tranche stood at 674.1 USD million in Jan 1, 2026. That is +4.4% from a year earlier.
- Latest
- 674.1 USD million
- Jan 1, 2026
- vs a year earlier
- +4.4%
About this data
US reserve requirement ratio and deposit thresholds set by the Federal Reserve. This table presents historical ratios and amounts for net transaction deposits, low reserve tranches, and exemptions. Data is available daily from the Federal Reserve starting in 1980. Note that reserve ratios were reduced to zero percent.
Frequently asked questions
- What is the US reserve requirement ratio?
- The US reserve requirement ratio is the portion of depositors' balances that commercial banks must hold in cash or at the Federal Reserve rather than lending out.
- How often is this data published and how far back does it go?
- This data is published daily by the Federal Reserve Board of Governors and the historical time series goes back to 1980.
- What specific categories and thresholds are included in the table?
- The table includes ratios and thresholds for net transaction deposits, the low reserve tranche, non-transaction deposits, and the reserve exemption amount.
- Why are current reserve requirement ratios at zero?
- The Federal Reserve reduced reserve requirement ratios for all depository institutions to zero percent to support lending during the economic downturn.
