Resources

AI discussions often begin with tools and automation. For community and regional banks, a better starting point is the work: What problem are we solving, what can go wrong and who remains accountable? Mieko Shibata,EVP, […]

The FDIC’s interim final rule on reciprocal deposits is the next step in turning the 21st Century ROAD to Housing Act into practical guidance for banks.

Effective September 1, 2026, the rule conforms the FDIC’s […]

From core banking platforms and payment processors to managed service providers, external partners are essential for the day-to-day operations of banks and other financial institutions.

But today's third-party risk landscape extends well beyond direct vendor […]

R&T Deputy Chief Risk Officer Kim Freytes discusses the role of third-party risk management in operational resilience. For financial institutions, regulators expect an understanding not only of who their critical service providers are, but how […]

As the demand for funding increases, banks often turn to wholesale advances, brokered CDs, and rate promotions, increasing costs and volatility, while some of the most stable sources of funding are already in-house.

Call Report […]

For years, banks used reciprocal deposits narrowly: giving large-balance customers access to expanded FDIC insurance coverage while keeping the primary banking relationship in place. That value still holds. What changed on July 11, 2026 is […]

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 […]