A classification code assigned by the FDIC based on the institution's charter type (commercial bank or savings institution), charter agent (state or federal), Federal Reserve membership status (Fed member, Fed nonmember)and its primary federal regulator (state chartered institutions are subject to both federal and state supervision). - N = commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
- SM = commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
- NM = commercial bank, state charter and Fed nonmember, supervised by the FDIC
- SB = savings banks, state charter, supervised by the FDIC
- SA = savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
- OI = insured U.S. branch of a foreign chartered institution (IBA)
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