2024 Supervisors Symposium

Internal Use Only

De Novo Bank Replenishment Rate Remains Low

• Pre-financial crisis bank replenishment rate* was 32% • Post-crisis average has been consistently much lower at 3.4%

*Replenishment rate is the number of De Novo banks opened divided by the number of banks merged, liquidated or failed

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Internal Use Only

De Novo Chartering by State • De novo chartering is strongest in states with growing populations, strong local economies and history of bank merger and acquisition activity, according to BankingStrategist. • Average capitalization of De Novo banks doubled post-crisis.

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