The Japan-linked risk for banks is not the exchange rate itself but the funding, collateral and rollover pressure behind it. Sudden volatility in the foreign exchange market will rapidly cascade into U.S. Treasury markets.

The Spanish banking giant is seeing improvement in its U.S. business, which is set to expand significantly if its pending acquisition of Webster Financial gets approved.

Community banks' primary objection to the Main Street Depositor Protection Act appears to be that one provision of it would give credit union customers the same level of deposit protection as bank customers.

Banks have a narrow window to shape how agent identity verification works before transaction volumes force ad hoc approaches that will be harder to standardize later.

For the Denver-based parent company of Sunflower Bank, the first quarter of 2026 was not entirely sunny. Loans grew dramatically, but so did charge-offs, with the lender charging off two credits worth more than $10 million.

Celtic Bank is the latest large Small Business Administration lender to turn to an AI origination platform for smaller-dollar loans. Live Oak Bank, which has been piloting the same platform, says it's poised for big growth in the same segment.

There's been an onslaught of nonbank financial technology company charter applications and approvals already this year.

In order for artificial intelligence to be useful, it has to be powered by accurate information, three community-bank executives agreed at a virtual panel hosted by American Banker.

In evaluating Enova's proposed acquisition of Grasshopper Bancorp, regulators must decide whether to allow lending products with annual percentage rates of nearly 100% into the national banking system.

The deposit insurance reform bill would give credit unions an on-ramp to competing for commercial accounts. A better alternative would be to reactivate the Transaction Account Guarantee program as needed.

Bankruptcy filings rose 11.9% during the past 12 months, according to statistics from the Administrative Office of the U.S. Courts; JPMorganChase named Jerry Lee and Nick Richitt as global co-heads of health care investment banking; Goldman Sachs appointed Akila Raman as global head of its private and alternatives capital markets business; and more in this week's banking news roundup.

A bank's regulatory posture is no longer fully within its own control. When a critical vendor becomes subject to new supervisory expectations, the bank's risk profile changes regardless of anything the bank itself has done.

The Columbus, Ohio-based company added to its cash hoard as a cushion against any economic dislocation connected to the conflict in the Middle East. The move narrowed Huntington's expected net interest margin for 2026.

An uptick in problem loans within the heavily scrutinized office sector pushed down share prices at Rhode Island-based Washington Trust and Bank OZK in Little Rock, Arkansas, even though both banks reported solid profits.

The McLean, Virginia-based company continues to tout its willingness to invest in longer-term opportunities. Executives declined to provide a shorter-term expense forecast, and its stock price fell in after-hours trading.

LendingClub, which debuted as an online alternative to traditional consumer lending, is rebranding this summer. The new name reflects its broadened banking capabilities, which include a checking account, a savings account and certificates of deposit.

The South Carolina-based bank agreed to pay more than $100 million to acquire a longtime competitor in fast-growing Hall County, Georgia.

The challenge for banks is not whether to adopt AI but how to do so with discipline, judgment and a clear understanding of its limits. The history of technology firms overpromising is extensive in the banking industry.

The Treasury Department terminated the lease for the Consumer Financial Protection Bureau's Washington, D.C., headquarters; HSBC's Gerry Keefe, head of banking in Europe and the Americas, quit to take a role outside of the financial services industry; Deutsche Bank has reported potential sanctions breaches involving Russian clients to German financial regulator Bundesbank; and more in this week's banking news roundup.