OpenChainGraph Suite · ART-431 · FDIC Deposit Insurance · Assessments

FDIC Deposit-Insurance Assessment Rate Calculator

Look up the FDIC base deposit-insurance assessment rate for a supplied composite score against a caller-supplied rate-bracket schedule, apply the unsecured-debt and brokered-deposit adjustments, then floor/cap the result to a caller-supplied statutory range and estimate the quarterly assessment. This tool does NOT compute the underlying composite CAMELS + financial-ratio score itself — that score, and the current published rate schedule, are both supplied by you as versioned policy input.

12 CFR 327 Rate Schedule = Policy Input Not A Filing-Ready Invoice
🔒 All computation runs locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
⚠ A pending FDIC assessments rulemaking (NPR, June 2026) may revise this rate schedule. Verify the current published schedule at fdic.gov before relying on this output for any live filing decision.
Rate Schedule (Policy Input)
One row per bracket: the upper bound of the composite score band and its base assessment rate in basis points. Leave the last row's score bound blank for "and above." Bring your own current published schedule — nothing here is hardcoded.
Rate Schedule Version
Institution Inputs
Composite Score (0-100)
CAMELS-component + financial-ratio composite score, computed outside this tool.
Unsecured Debt Adjustment (bp)
Brokered Deposit Adjustment (bp)
Rate Floor / Cap (bp)
Assessment Base ($M)
Average consolidated total assets minus average tangible equity, in millions.
Detail
Execution Hash (SHA-256)







  

    
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Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.

  
Run the AINumbers MCP tool `compute_fdic_assessment_rate`. Task: FDIC deposit-insurance assessment rate calculator (12 CFR 327): looks up the base assessment rate for a supplied composite CAMELS + financial-ratio score against a caller-supplied rate schedule, then applies the unsecured-debt and brokered-deposit adjustments and floors/caps the result to a caller-supplied statutory range.
Synthetic sample input (policy_parameters): {"rate_schedule_version":"FDIC-2023-FINAL-RULE-SAMPLE-V1","total_score":62,"rate_brackets":[{"max_score":50,"base_rate_bp":4},{"max_score":75,"base_rate_bp":7},{"max_score":90,"base_rate_bp":12},{"max_score":null,"base_rate_bp":20}],"unsecured_debt_adjustment_bp":-1,"brokered_deposit_adjustment_bp":0.5,"rate_floor_bp":1.5,"rate_cap_bp":40,"assessment_base_musd":8000}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the returned execution_hash.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-431-fdic-assessment-rate-calculator.html#p=v1.H4sIAAAAAAAA_wFxAY7-eyJyYXRlX3NjaGVkdWxlX3ZlcnNpb24iOiJGRElDLTIwMjMtRklOQUwtUlVMRS1TQU1QTEUtVjEiLCJ0b3RhbF9zY29yZSI6NjIsInJhdGVfYnJhY2tldHMiOlt7Im1heF9zY29yZSI6NTAsImJhc2VfcmF0ZV9icCI6NH0seyJtYXhfc2NvcmUiOjc1LCJiYXNlX3JhdGVfYnAiOjd9LHsibWF4X3Njb3JlIjo5MCwiYmFzZV9yYXRlX2JwIjoxMn0seyJtYXhfc2NvcmUiOm51bGwsImJhc2VfcmF0ZV9icCI6MjB9XSwidW5zZWN1cmVkX2RlYnRfYWRqdXN0bWVudF9icCI6LTEsImJyb2tlcmVkX2RlcG9zaXRfYWRqdXN0bWVudF9icCI6MC41LCJyYXRlX2Zsb29yX2JwIjoxLjUsInJhdGVfY2FwX2JwIjo0MCwiYXNzZXNzbWVudF9iYXNlX211c2QiOjgwMDB94UUDsXEBAAA