US Reserve requirement exemption amount
US Reserve requirement exemption amount stood at 39.2 USD million on Jan 1, 2026, according to Federal Reserve Board of Governors (Regulation D). It is one of the indicators in the Reserve requirements table (Value · Daily), with a complete series running from Dec 23, 1982 to Jan 1, 2026. The complete series with an interactive chart, free to download.
This indicator in the Reserve requirements table
| Indicator | 01-01-2026 | 01-01-2025 | 01-01-2024 | 01-01-2023 | 01-01-2022 | 14-01-2021 | 16-01-2020 | 17-01-2019 | 18-01-2018 | 19-01-2017 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| DEPOSIT THRESHOLD DETERMINING RESERVE REQUIREMENT | |||||||||||
| Reserve exemption amount | 39.2 | 37.8 | 36.1 | 36.1 | 32.4 | 21.1 | 16.9 | 16.3 | 16 | 15.5 | |
| Low reserve tranche | 674.1 | 645.8 | 644 | 691.7 | 640.6 | 182.9 | 127.5 | 124.2 | 122.3 | 115.1 |
Understanding US Reserve requirement exemption amount
The maximum deposit scale value for which financial institutions are completely exempt from reserve requirements. All deposits below this mark are subject to a zero percent reserve ratio. This indicator protects small and very small banks from complex administrative management costs, creating a clear differentiation from the low-ratio threshold intended for medium-sized institutions.
This exemption level is established and adjusted automatically each year based on a pre-determined formula reflecting total deposit fluctuations. Users of the data should note that the increase in the exemption threshold does not reflect an abrupt monetary policy easing move, but merely a periodic technical adjustment. Therefore, this indicator should not be compared with short-term policy interest rate tools.
Frequently asked questions
- To whom does the reserve exemption level apply?
- All depository institutions with transaction deposit sizes below the prescribed limit qualify for this exemption.
- Does the exempt deposit amount change frequently?
- This value is determined and updated once a year based on market-wide deposit fluctuations.
- How is it handled if a bank's deposits exceed the exemption level?
- The portion of deposits exceeding the exemption level becomes subject to the lower reserve ratio under current regulations.