(1) To comply with 32-1-203 , MCA, it has been determined by the state banking board that it is in the public interest to require all commercial banks to be accepted by the federal deposit insurance corporation for the insurance of deposits. The board will not order the commissioner of banking and financial institutions to issue a certificate of authorization to a proposed new bank unless:

(a) the division of banking and financial institutions has received official notice that the proposed bank has been accepted for insurance of deposits; or,

(b) the division of banking and financial institutions has received satisfactory assurance from the FDIC or the federal reserve bank of Minneapolis that the proposed bank will be accepted for insurance when the proponents comply with certain stated minor requirements imposed by the FDIC Such "minor requirements" must be of a type and character which the board determines can be promptly complied with by the proponents without serious difficulty.