Liquidity

• M&A

  What’s behind the unlikely First Citizens-CIT deal

  The family-owned bank from the South and the New York commercial lender each would fill a clear need for the other. First Citizens would gain business lending expertise and an online deposit-gathering platform, and CIT would get the cheap deposits it coveted.

  By John Reosti

  October 16

  
• Deposits

  Small banks turn to German fintech for deposit-gathering help

  SaveBetter.com from Deposit Solutions lets consumers shop for different savings products through one portal and provides national exposure for participating banks, which include Ponce Bank in New York and Central Bank of Kansas City.

  By Miriam Cross

  October 7

  
• BankThink Brokered deposits aren't 'hot money'

  Many community banks need brokered deposits to help fund loans, so policymakers must strike the right balance between promoting liquidity and guarding against reckless lending.

  October 7

  

  Mary Fowler

  CEO

  Peoples Bank
• Liquidity requirements

  Banks urge Fed to revise liquidity rule after pandemic shock

  The industry is warning regulators putting the finishing touches on the Net Stable Funding Ratio that the measure could exacerbate volatile market events like the spring selloff of Treasury securities.

  By Hannah Lang

  October 5

  
• Liquidity

  Deposit glut could dog banks well into next year

  The flood of liquidity that accompanied the pandemic recession isn’t likely to subside anytime soon. Banks will have to employ a mix of securities buying, hedging and other balance-sheet-management tricks to prop up margins longer than initially imagined.

  By Allissa Kline

  October 5

  
• Servicing

  State regulator group offers guidance for mortgage servicing oversight

  The proposed best practices would be modeled after federal servicing standards and be used to supervise nonbanks firms subject to state regimes.

  By Brendan Pedersen

  October 1

  
• BankThink How a tweak to the Federal Home Loan banks could save cities

  Congress should pass legislation that would allow Home Loan banks to backstop deposits by local governments at commercial banks and lower the cost of bond financing, two mayors argue.

  September 16

  

  Francis X. Suarez

  Mayor

  City of Miami
• Liquidity

  NCUA’s Harper warns of possible premiums as Hood hints at new department

  Two board members for the credit union regulator spoke during a NAFCU event, highlighting liquidity issues, plans for new departments at the agency and more.

  By Aaron Passman

  September 15

  
• Opinion Changes to NCUA's liquidity tool should sunset at year-end

  For all the damage from the pandemic and economic downturn, this crisis has not impacted liquidity. Lawmakers would be foolish to permanently alter the Central Liquidity Facility.

  September 11

  

  Keith Leggett

  Former ABA economist
• Wealth management

  UBS plans higher fees to push rich clients out of costly cash

  The company and its global peers have seen their profitability hurt by half a decade of negative interest rates, which effectively make banks pay for holding clients’ cash.

  September 9

  

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