The FDIC’s Deposit Insurance Fund (DIF) reserve ratio has grown to 1.17 which means more than nine out of 10 banks with assets less than $10 billion are likely to pay less for deposit insurance. The fund needed to pass 1.15 for these changes to occur. Banks that fit this asset criteria will see their overall schedule decline by two basis points for banks paying the lowest premiums and up to five basis points for those at the upper end of this assessment scale. Institutions can use the FDIC’s online calculator to estimate their assessment rates. More information can be found on the FDIC’s website.