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 […]
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 […]
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 11th bank failure since 2023, as Georgia regulators closed Community Bank and Trust – West Georgia in LaGrange, Georgia. According to the ABA Banking Journal, approximately […]
Trust companies sit at the intersection of capital preservation and operational precision. Unlike traditional depository institutions, trust companies manage and administer assets for their customers, rather than building deposits. Yet recent market dynamics have made […]
