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 […]
R&T Deposit Solutions has a long-standing commitment to research, education and thought leadership. We generate knowledge and insight through a blend of in-house and externally-sourced content. We are also proud to be approved by the National Association of State Boards of Accountancy (NASBA) as a sponsor of Continuing Professional Education (CPE), offering credits for both Live and Internet-Based instruction. For more information on CPE credits or any other R&T Financial Solutions offering, please email info@rnt.com.
