Acquire or be acquired may be the new reality for small and midsize banks

Mar 14, 2024
Many are struggling with high deposit rates and shaky commercial real estate portfolios. Some seek to bulk up as a solution.
First Republic failed and was absorbed by JPMorgan Chase. Due to pressures in the banking industry, some expect to see more consolidation.
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Banks are still grappling with fallout of SVB's failure one year on

Mar 11, 2024
Regulators are more watchful, and banks are trying to be more resourceful.
The banking system was caught off guard by the problems at Silicon Valley Bank,  Signature Bank and First Republic Bank.
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A year after Silicon Valley Bank failed, lenders are still feeling pressure on all sides

Feb 23, 2024
Rising interest rates have cranked up the interest banks are paying depositors. But banks also have a lot of cash stuck in low-interest bonds and loans they made before the Federal Reserve started raising interest rates.
A lot of the problems that last year’s bank failures revealed are still troubling small and mid-sized banks today.
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No more business as usual for the Fed

Jun 29, 2023
Technology that can cause banks to fail overnight could force the Federal Reserve to upgrade its infrastructure, while continuing basic regulation to prevent failures from occurring in the first place.
Silicon Valley Bank's problems wouldn’t have been solved by an instant Fed bailout, said Wharton professor Itamar Drechsler.
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How can regional banks manage the industry's troubles?

May 4, 2023
Larger lenders and regulators step in for the good of the overall banking system. But confidence among depositors is key.
Regional banks continue to struggle. News that PacWest is exploring "strategic options," including a sale of the company, sent its stock sliding.
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How will banking change amid wreckage of SVB, First Republic?

May 2, 2023
New regulation and industry consolidation will be key. Loans may be scarcer for new businesses and in low-income and rural communities.
Executives and regulators would like the fallout of the recent bank failures to be limited, but the impact is being felt.
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When short sellers bet against banks

Apr 28, 2023
Short sellers have made more than a billion dollars betting that First Republic would tank. Is that good for financial stability?
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For public good, not for profit.

After last month's bank failures, big banks' deposits are falling again

Apr 21, 2023
The failures of Silicon Valley Bank and Signature Bank had a lot of depositors worried about their own banks. While many moved their depositors to bigger institutions, bank deposits have been trending downward overall.
Up until the SVB and Signature Bank failures last month, banks had been losing deposits for about a year. Itamar Dreschler of the Wharton School said as the Federal Reserve raised interest rates, banks hadn’t really been doing the same for depositors.
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A month after liquidity shock, how's banks' lending business looking?

Apr 6, 2023
A Dallas Fed survey found signs that banks are pulling back on loans. High rates may also be dampening interest among borrowers.
Deposits have been falling, and banks are "nervous about their own liquidity," says Mayra Rodriguez Valladares of MRV Associates.
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SVB’s collapse sends California wineries into a state of uncertainty

Mar 28, 2023
More than 400 California wineries borrowed from Silicon Valley Bank. In the aftermath of its collapse, many are wondering what comes next.
In addition to lending to wineries, SVB helped raise money for basics like bedding and food for area farmworkers, said farmworker advocate Rosaura Segura.
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