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R&T and the American Bankers Association (ABA) discuss the enactment of the 21st Century ROAD to Housing Act, the legislation's strategic implications, emerging opportunities, and key considerations as institutions prepare for implementation in 2027.

Jeffrey Zuendt, Executive Vice President, Chief Deposit & Client Officer, and Steven Spino, Senior Vice President, Deputy Chief Deposit Officer at R&T, discuss how having diversified sources of funding reduces funding risk for banks. Learn […]

The banking turmoil of spring 2023 is often discussed through the lens of uninsured deposits. That framing is important, but it is incomplete. The Federal Deposit Insurance Corporation’s (FDIC) May 2026 staff study, Dissecting Depositor […]

In February 2026, R&T Deposit Solutions surveyed 200 senior Banking-as-a-Service (BaaS), or sponsor banking and FinTech executives, asking how they compete for deposits.

Three in four said access to expanded FDIC deposit insurance coverage is […]

A recent FDIC study¹ shows that three banks each lost nearly half their deposits in three business days. Over the past three years, the FDIC analyzed exactly why, and in a recent report published […]

On May 1, 2026, the US experienced its 11^th bank failure since 2023, as Georgia regulators closed Community Bank and Trust – West Georgia in LaGrange, Georgia. According to the ABA Banking Journal, approximately […]

Stephen Prosperi, Executive Vice President, Chief Product Officer at R&T, discusses how digital currencies such as stablecoins and tokenized deposits are reshaping the financial industry in the US, as well as internationally, and what banks […]

Moderated by ABA’s Tim Pannell, Kevin Bannerton, R&T’s Chief Business Development Officer, discuss what stablecoins are (and are not), the regulatory and market forces accelerating adoption, and what bank leaders should be thinking about now, […]