Retail & Commercial

Prosecutors claim every dollar in subsidy funds from settlements equates to ten times the amount in value in home lending efforts.

The top five banks and thrifts have combined total assets of more than $12 trillion as of December 31, 2022.

The Birmingham, Alabama, bank said that its deposits fell by $3.3 billion last quarter, and it projected a decrease of up to $2 billion between April and June. Executives assured investors that sizable liquidity sources are available.

Texas National Bank in Mercedes, Texas, is testing how alternative data can improve the speed and accuracy with which it lends to its small-business customers.

A study published after last month's crisis finds that banks can guard against rate-driven deposit outflows by keeping more liquid funds available. It also concludes that financial institutions with higher rates of uninsured deposits are more likely to face bank runs.

The Green Bay bank has seen stable performance since its recent strategy overhaul.

Elevated interest rates, economic uncertainty and financial sector fragility exposed by recent bank failures threaten to stunt lending activity.

The volume of bank acquisitions — either by credit unions or community banks — has dropped considerably so far in 2023. Experts, including prospective buyers, cite a combination of ongoing regulatory and economic pressures.

The regional bank started making moves to protect deposits last year, which prevented steeper declines during a volatile first quarter, CEO Tim Spence says.

The Dallas-based bank expects some of the recent deposit outflows to return in the future.