50k. Clinton dropped the fraction in fractional reserve to 1/100 from 1/10 in the 90s. This document linked even states 3%... >An institution's net transaction accounts, up to a specified amount, are subject to a reserve requirement ratio of 3 percent. Notice that certain liabilities have a reserve ratio of zero, at this stage, like eurocurrencies. If loaning out 16 million or less, there is no reserve requirement.