← Insights
U.S. bank charter tracker.
Every U.S. bank and trust charter application we are tracking, 2025–26.
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What the statuses mean
Only an open bank can serve you.
●
Pending
Filed and under review. No decision yet.
◐
Conditional approval
Approved in principle. The bank can raise capital and build, but it cannot open, take deposits or serve customers yet.
✓
Approved
Charter or deposit insurance granted. Not yet confirmed open for business.
✓
Open
Final approval received. Chartered and operating. This is the only status where it can serve you.
✕
Denied
Rejected by the regulator. The applicant may refile.
↩
Withdrawn
Pulled by the applicant before a decision.