Federal Reserve Bank of Dallas. "Banking Agencies Issue Host State Loan-to-Deposit Ratios : Joint Press Release, Notice 12-31," District Notices (Federal Reserve Bank of Dallas) (July 10, 2012). https://fraser.stlouisfed.org/title/5569/item/616039/content/pdf/frbdallas_circ_20120710_no2012-31, accessed on July 22, 2026.