When is a bank fully loaned up is zero?

A bank is considered "fully loaned up" when it has extended all of its available capital for loans and cannot issue any additional loans without acquiring more funds or deposits. This situation typically occurs when a bank's loan-to-deposit ratio reaches its maximum operational limit, meaning all available deposits have been allocated to loans. In this context, a loan-to-deposit ratio of 100% or higher indicates that the bank is fully loaned up. If the ratio exceeds 100%, the bank may be taking on excessive risk, potentially leading to liquidity issues.