Liquidity

The market was upended because the largest banks hold more liquid assets in Treasuries than at the Fed, limiting their ability to supply repo funding on short notice, according to a new analysis from the Bank for International Settlements.

Service would help with compliance; JPM CEO sees more short-term lending rate spikes if no long-term solution implemented.

CEO tells employees he wants them to be 'impatient' in fixing the bank’s woes; the new independent body would police banks’ compliance with AML regulations.

Federal Reserve Chairman Jerome Powell said Wednesday that he does not think revamping capital or liquidity requirements is necessary despite recent volatility in the repurchase markets.

An analysis of industry data shows CUs are not the leader in that space they have long claimed to be. Here's why that could come back to bite institutions later on.

Complaints that banks, credit unions and nonbanks compete on an uneven playing field should be heard, just as community banks must take seriously the threats from high-tech rivals, says Julie Stackhouse, a retiring supervision official at the St. Louis Fed.

More community bankers now say that cost of funds, not regulatory expense, poses the biggest threat to profits, according to a new survey.

In an interview with Credit Union Journal, Todd Harper, NCUA board member, said the regulator was working to avert similar problems in the future.

With the loan-to-savings ratio at its highest point in four decades, some CUs have limited options to boost their funding.

Credit unions can reduce concentration risk and free up funding for new loans though participations but many institutions are hesitant about the process.

The National Credit Union Administration is considering increasing the threshold for nonmember deposits but bankers have vowed to fight back, including possibly suing the regulator.

During its monthly meeting, the National Credit Union Administration board also approved a proposal to increase CU access to non-member deposits, a move bankers are already railing against.

Fintechs are developing data-crunching, automated products that seek to help banks precisely calibrate capital levels. The banks' goal is to pass stress tests while maximizing returns to investors.

As government employees carry on without pay, Cabrillo Credit Union and others must balance liquidity concerns with staying out of a political fight.

There is no banking crisis, but the president’s actions are threatening to create one.

Good times end eventually. And it is inevitable that some new approach to banking will cause financial institutions to fall flat in a downturn.

If banks with high loan-to-deposit ratios overpay for brokered and promotion-driven deposits to fuel loan growth, they run the eventual risk of a liquidity crunch in an era when deposits — and the economy itself — are expected to be more volatile.

Third-quarter profits at the Georgia bank rose 52% thanks to doubled-digit growth in consumer lending and the sale of credit card assets it had obtained from the retailer Cabela's.

A slight decline in core deposits in the second quarter stoked worries that tighter liquidity is around the corner. Bankers are exploring responses beyond the typical CD rate special if third-quarter results show the trend is continuing.

With the deadline for a federal-debt-limit renewal nearly a month away, bankers are dreading the prospect of higher funding costs, strained liquidity, weaker commercial loan demand and other ramifications if Washington does not act.