Troutman Pepper’s Post

"FDIC DATA ON U.S. BANKING INDUSTRY: Janney Research has compiled the call report disclosures at 12-31-23 for all FDIC charters to illustrate aggregate balance-sheet data by asset size. Our analysis on Pages 12 breaks down Assets, Loans, Deposits, CRE, C&I, Tier 1 Capital, Loan Loss Reserves, and Securities for the largest U.S. banks, regional, mid-sized, and community institutions. Also, our tables highlight "T-B-T-F" or Too-Big-to-Fail Banks." #YarmouthChoate

It's great to see that the consumer was fully protected during the recent regional banking instability with the largest lenders picking up the tab. Bank of America contributed $2.1b to replenish the FDIC reserves. #SVB #FirstRepublic #Bailout #FDIC #Banking #WealthManagement https://lnkd.in/g-bWNQiX

KBW CEO Tom Michaud joins Fox Business Network to discuss the stability of regional banks, one year after the collapse of SVB. Tom notes the industry’s resilience in the face of several headwinds and strongly highlights the need for deposit insurance reform, saying “the FDIC fund has not been modernized.” Watch below: #regionalbanks #bankingindustry #svb #depositinsurance #FDIC

A year after Silicon Valley Bank’s collapse, US lenders are still paying the price for cleaning up the mess — and it’s likely to get about $4.1 billion worse. The Federal Deposit Insurance Corp. now estimates $20.4 billion in losses arising from the failure of both SVB and New York-based Signature Bank, according to its annual report released late February. That’s a 25% bump from its $16.3 billion November estimate. The upshot: Scores of institutions — megabanks like JPMorgan Chase & Co., regional lenders like PNC Financial Services Group and even some relatively local-leaning banks — may have to pay more to replenish the Deposit Insurance Fund. That’s the reserve that the FDIC uses to protect depositors when a bank collapses. #fdic #svb #signature #regionalbanks #finance Full story on Bloomberg News:

This must watch video (link in comments below) exposes the vulnerabilities in the current banking system, from the volatility of cash flow management to the potential pitfalls of lines of credit. In this video, Carlos Lara discusses the shocking realities of bank ownership of deposited funds and the limitations of FDIC/CDIC insurance. He then introduces the concept of creating a private, alternate banking system as a solution to these risks. #banks #cash #cashflow #CDIC #deposits #NelsonNashInstitute #InfiniteBankingConcept #IBCanadaGroup #dofinancial

Why fmr. FDIC chair Sheila Bair is nervous about regional banks: Sheila Bair, Former FDIC Chair, joins 'Fast Money' to talk the state of regional banks, the impact of Commercial real estate on the banking sector and more. http://dlvr.it/T5bh0R #careventurescapital

Rather than adopting a passive “wait-and-see” approach or making sweeping fee adjustments, conducting a thorough analysis of your program and fee structures is critical. A consumer-friendly overdraft strategy begins with carefully reviewing your program through the lens of your account holders, prioritizing transparency. #overdraftcompliance #CFPB #overdraftfees ADVANTAGE, powered by JMFA - Growth Solutions for Community Banks and Credit Unions https://okt.to/oOrJ0u

Let's remember some news of the latest months: FDIC confirms Republic First Bank closure and the sale of the bank’s assets to Pennsylvania-based Fulton Bank, in the first bank closure of 2024. To read the full article go to this link: https://lnkd.in/eMAbe3v3 What do you think about this decision? Leave your opinion in the comments and let's chat about it! #banking #inflation #crisis #FDIC #RepublicFirstBank

Why fmr. FDIC chair Sheila Bair is nervous about regional banks: Sheila Bair, Former FDIC Chair, joins 'Fast Money' to talk the state of regional banks, the impact of Commercial real estate on the banking sector and more. http://dlvr.it/T5bn50 #careventurescapital

The #FDIC is bouncing back stronger than expected! Despite last year's banking crisis, which saw historic failures and added $19 billion in losses, the Deposit Insurance Fund (DIF) is on track to hit its legally required reserve ratio of 1.35% by 2026—two years ahead of schedule! What's driving this resilience? Even with an uptick in "problem banks," the overall banking system remains stable, showing resilience despite pressures, particularly in commercial #realestate and consumer #lending. For investors and industry watchers, this recovery signals a robust backdrop, reinforcing confidence in the U.S. financial system.