FDIC: Staff Study Released of Deposit Flows at Three Failed Banks in Spring 2023
Study focuses on depositor flight at Silicon Valley Bank, Signature Bank, and First Republic Bank The Federal Deposit Insurance Corporation (FDIC) today released “Dissecting Depositor Flight: An Analysis of the Spring 2023 Bank Failures,” a detailed staff study of deposit flows at three banks that failed in the spring of 2023. Using transaction-level data from…
Agencies Issue Host State Loan-to-Deposit Ratios
Federal bank regulatory agencies today jointly issued updated host state loan-to-deposit ratios, as required by law. Each ratio compares the total loans in a state to total deposits in the state for all banks that are legally operating in that state. These ratios replace those issued in May 2025. By law, a bank is generally prohibited…
FDIC: Anchor Bank Assumes Insured Deposits of Community Bank and Trust – West Georgia, LaGrange, Georgia
Community Bank and Trust – West Georgia of LaGrange, Georgia was closed today by the Georgia Department of Banking and Finance, which appointed the Federal Deposit Insurance Corporation (FDIC) as receiver. The FDIC entered into an agreement with Anchor Bank of Palm Beach Gardens, Florida to assume substantially all insured deposits and acquire certain assets…
FDIC: Supervisory Guidance on Multiple Re-Presentment NSF Fees Rescinded
Summary: On June 16, 2023, the FDIC issued a Financial Institution Letter (FIL-32-2023) titled FDIC Clarifying Supervisory Approach Regarding Supervisory Guidance on Multiple Re-Presentment NSF Fees. This guidance described the FDIC’s supervisory approach relating to supervised institutions assessing multiple non-sufficient funds (NSF) fees arising from the re-presentment of the same unpaid transaction. The FDIC is rescinding FIL-32-2023…
FDIC: Proposal Approved to Implement GENIUS Act Requirements and Standards
The Federal Deposit Insurance Corporation (FDIC) Board of Directors today approved a notice of proposed rulemaking that would implement certain requirements and standards under the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act). The proposed rule would establish a prudential framework for FDIC-supervised permitted payment stablecoins issuers, including requirements related to reserve assets, redemption,…
Agencies Issue Final Rule to Prohibit Use of Reputation Risk by Regulators
The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation (the agencies) today jointly issued a final rule that codifies the elimination of reputation risk from their supervisory programs. The rule defines “reputation risk” and prohibits the agencies from criticizing or taking adverse action against an institution on the basis of…
FDIC: 2026 Consumer Compliance Supervisory Highlights Issued
The Federal Deposit Insurance Corporation (FDIC) today issued the 2026 edition of the Consumer Compliance Supervisory Highlights. The purpose of this publication is to enhance transparency regarding the FDIC’s consumer compliance supervisory activities and to provide a high-level overview of consumer compliance issues identified in 2025 through the FDIC’s supervision of state non-member banks and thrifts. …
ICBA: ICBA Thanks Lawmakers for Introducing New Bills Advancing the Deposit Insurance Debate
Independent Community Bankers of America (ICBA) President and CEO Rebeca Romero Rainey issued the following statement on the introduction of several bills in the House opens in a new taband Senate opens in a new tabto reform the nation’s deposit insurance system. “ICBA and the nation’s community bankers thank members of Congress for introducing several bills that continue advancing…