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Banking, editors' picks


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Banking Essentials Newsletter: September Edition


Beyond ESG with Climate Stress Testing: Getting Practical at Banks & Insurers

Banking, editors' picks

Among this week's editors' picks: a feature on a bipartisan bill that aims to replace the SIFI threshold under the Dodd-Frank Act; results of the FDIC's annual Summary of Deposits; and an interview with Sandler O'Neill's principal and chief balance sheet strategist, Scott Hildenbrand.

SIFI threshold could be 1st major domino to fall in Dodd-Frank reform

Sens. David Perdue, R-Ga., and Claire McCaskill, D-Mo., introduced a bill that aims to replace the $50 billion threshold for tougher supervisory standards with a risk assessment.

Summary of Deposits: Banks continue to amass funding, shutter branches

The Federal Deposit Insurance Corp.'s annual Summary of Deposits showed that the U.S. banking industry grew total deposits 5.20% over the latest reporting period.

Banks reach for yield as regulators raise concerns over rate risk

Some banks have responded to low interest rates and competition for quality loans by "reaching for yield" through higher-risk and longer-term assets, the FDIC noted.

Banks trading at the lowest price-to-adjusted TBV in September

The industry median for price-to-adjusted tangible book value surged to 200.9% from 185.5% at the end of August.

Bankers shouldn't get too comfortable with their deposit bases

"Don't get so comfortable that we've had a 100 basis points move and you have not seen a move in your cost of funds," said Scott Hildenbrand, principal and chief balance sheet strategist at Sandler O'Neill. "The minute you get comfortable in this business is when there is going to be a problem."