Rising bank deposit insurance rates to have little impact.

The deposit insurance assessment rate for the nation's banks rose from $.12 per $100 of insured deposits in 1990 to $.195 per $100 from January through June 1991 and a new, permanent rate of $.23 per $100 as of July 1, 1991.

Although many banks predicted dire consequences because of the higher assessments, Veribanc, a bank-rating service, concluded the impact will be minimal. Using 1990 yearend data for all of the nation's 12,795 banks, Veribanc estimates the higher premiums will raise an additional $2.5 billion for the Federal Deposit Insurance Corporation this year. Moreover, the 2 increases are expected to add only 9 banks to the 364 banks which Veribanc had placed in its troubled category as of December 31, 1990.