Banking Conditions
Earnings declined during the third quarter for banks over $10B at the national level, while remaining relatively flat for banks under $10B and most Tenth District banks. Total deposit growth exceeded total loan growth during the quarter and year-over-year, both at all U.S. banks and Tenth District banks. This is a reversal of the trend over the past few quarters of loan growth surpassing deposit growth. Loans as a percentage of deposits and wholesale funding have remained stable at banks nationally and in the District.
Apply for Membership
Learn about the application process to become a state member bank and the benefits of Federal Reserve Bank membership.
Apply for Mergers and Acquisitions
Learn about the application process for state member banks and bank holding companies.
Borrow from the Federal Reserve's Discount Window
Access Federal Reserve Credit for short-term or long-term needs.
Complete and File Reports
Learn about reporting and reserves and how to submit your reports.
Manage Your Federal Reserve Account
Manage your reserves and learn about Payments System Risk policy.
State Member Bank, Bank Holding Company, and Savings and Loan Holding Company Communications
View information about regulatory communications available to Tenth District Federal Reserve institutions.
State Member Bank Resources
Information about regulatory communications, supervisory processes and the various resources available to Tenth District Federal Reserve state member banks.
Bank Holding Company Resources
View information about regulatory communications, supervisory processes and the various resources available to Tenth District Federal Reserve holding company managers and directors.
Savings and Loan Holding Company Resources
Learn more about regulatory communications, supervisory processes and the resources available to Reserve savings and loan holding company managers and directors.
Community Bank Resources
Information specific to community banks, including information on emerging issues, banking conditions, lending patterns, research, speeches and more.
Bank Consolidation and Merger Activity Following the Crisis
By Michal Kowalik, Troy Davig, Charles S. Morris and Kristen RegehrEconomic Review Michal Kowalik, Troy Davig, Charles S. Morris, and Kristen Regehr analyze the financial characteristics of acquired community banks from 2011 to 2014.
Credit Scoring and Loan Default
By Geetesh Bhardwaj and Rajdeep SenguptaResearch Working Paper The performance of FICO scores as measures of borrowers' creditworthiness on subprime mortgage originations remains stable over time after controlling for other loan attributes and changes in economic conditions.
To Sell or To Borrow? A Theory of Bank Liquidity Management
By Michal KowalikResearch Working Paper Banks' reliance on risky securitized assets to manage liquidity leads to liquidity crunches in interbank lending markets.
Federal Reserve and CSBS Community Bank Research
View links on community banking research papers and learn more about the annual Community Bank Research Conference, sponsored by the Federal Reserve System and the Conference of State Bank Supervisors.Banking Regulation: Its Purposes, Implementation and Effects
This basic guide is a reference source on banking and bank regulation for the public, bankers and banking supervisors. The book also shows the challenges that bankers and regulators face in maintaining a sound and innovative financial system.
Basics for Bank Directors
Basics for Bank Directors is a reference guide that details the processes for promoting banks' stability, growth and success in today's economic environment.
Community Banking Connections
This Federal Reserve quarterly publication provides information on guidance, resources and tools to help community banks across the United States.
Consumer Compliance Outlook
Consumer Compliance Outlook is a Federal Reserve System publication dedicated to consumer compliance issues.
Training Curriculum
Bank Director's Desktop
Online training curriculum is designed to allow bank directors to quickly develop an understanding of their role in performing bank oversight responsibilities.
