Large time deposits hit an all-time high on February 28 before declining throughout March. But in April, they’ve been rising again. Have they peaked, or did last month represent a temporary dip?

Listen now as Aaron Klein, senior fellow at the Brookings Institution, and Mark Calabria, former director of the FHFA, debate the best way to address the housing crisis, the dangers of politicizing banking regulation, and much more. >>ow.ly/23FE50Riqe6

Mark Calabria, former director of the FHFA, and Aaron Klein, senior fellow at the Brookings Institution, discuss how politics factors into the Fed’s monetary policy decisions, decry the rescue of uninsured depositors last year, and debate other hot topics. podcasts.apple.com/us/podcast/cal…

Loan-to-deposit ratios at year-end 2023 showed that community and midsize banks—including mission-driven banks designated as CDFIs and/or MDIs—allocated a greater share of their deposits to lending activity in support of local economic development.

Hear a behind-the-scenes perspective on regulators’ decision to rescue uninsured depositors at SVB and two other regional banks and a discussion about what policy changes are still needed, the greatest challenge facing banks, and cybersecurity concerns.>>ow.ly/g3wm50R7zO8

More than 75% of Bank Director’s risk survey respondents said they’re more concerned about regulatory risk today, and 39% cited regulatory compliance as a strategic challenge. Deposit retention, margin pressures, and liquidity risks are also of concern. >> ow.ly/aX2n50R5Qna

A global manufacturing business and a large religious organization in Missouri discovered the convenience of working directly with just one local bank of their choosing to keep their large deposits safe through IntraFi’s network of banks. Find out more>>ow.ly/2Hz850R33Gx

On average, banks of all sizes saw deposit growth in Q4 2023; however, only the community bank sector produced loan growth rates that outpaced deposit gains.

Don’t miss today’s podcast episode featuring Brian Gardner, Chief Washington Policy Strategist, who discusses how the fall of Silicon Valley Bank impacted bank supervision and the debate over new capital and liquidity rules.

Listen: podcasts.apple.com/us/podcast/how…
#SVB

Catch our latest Banking with Interest #podcast with House Majority Whip Tom Emmer. In a wide-ranging interview, he talks about a host of issues, including, the future of community banks, the crackdown on so-called “junk” fees, and why he opposes a #CBDC .

podcasts.apple.com/gb/podcast/whi…

Make sure you swing by the IntraFi booth to get your official #ICBALIVE T-Shirt. Don’t go home without one!

FDIC Call Report data at year-end 2023 showed US commercial banks’ large time deposits climbing to 4.8% of total deposits, nearly erasing the entire drop seen after the 2016-2018 rising-rate period. FRED data shows banks’ continued increase in large time deposits to start 2024.

We hope to see you at ICBA Live! March 14-17. Stop by our booth 600 and also please join us at our Learning Lab session 7:00 AM on Friday, March 15: Opportunities for Increasing Profitability Using Tested Deposit and Funding Strategies. Get the details\>\>ow.ly/sKKH50QTbge

Listen in as House Majority Whip Tom Emmer talks about his fears for the future of small banks—and how to reverse course—and why his movement to ban the Fed from creating a #CBDC has gained steam.>> podcasts.apple.com/us/podcast/whi…

Ahead of the expiration of the Bank Term Funding Program (BTFP) on March 11, participants hold $160bn+ of advances. #Banks will need to seek funds from other sources to repay the #loans as they mature over the next 12 months.

Richard Hunt (Richard Hunt), exec chair of The Electronic Payments Coalition, discusses the battle over Capital One buying Discover, how it ties into the Durbin amendment’s restrictions on debit interchange fees, and why the fight over another Durbin proposal is so heated.

►bankingwithinterest.libsyn.com/the-most-conte…

Leader Bank's President Jay Tuli and several clients recently spoke to Boston Business Journal about IntraFi and how it has helped their businesses maximize access to FDIC coverage. Read the article: bizjournals.com/boston/news/20…

ICYMI: Why many consumers are rediscovering their local bank. Insightful piece from WSJ on the strengths of community banks.>>ow.ly/XpMN50QMAUU

Reserve your seat for this Thursday’s Explaining ICS & CDARS webinar. Don’t miss this opportunity to learn best practices for using the services to win customer loyalty and grow deposits.

Register here: intrafi.com/webinars/expla…