Secrets of the top midsize banks; stress buffers rise at regionals as new capital rules debated

Secrets of the top midsize banks; stress buffers rise at regionals as new capital rules debated

Top banks $10B-$50B: How they thrived as rising rates snuck up on their peers : Smaller regional banks kept funding costs in check and relied on robust noninterest income to earn their spot as a 10 top-performing bank on American Banker's annual ranking.

Key metrics of the highly ranked: The 10 top-performing banks with $10B to $50B in assets

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Regulators weigh impact of new capital rules on banks and nonbanks alike : Higher capital requirements tend to drive certain lending activities away from banking and toward so-called shadow banks. How regulators shore up banks without driving their customers away is the source of a spirited philosophical debate in Washington.

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Capital buffers for regionals, big banks move in opposite directions : Following regulatory stress tests, three midsize institutions expect to be required to maintain larger stress capital buffers. The reverse is true for four of the nation's largest banks.

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Banks develop digital brands: 'Gen Z doesn't want to go into the branch' : PeoplesBank in Massachusetts and others have developed digital brands that cater to younger customers' demands for smoother technology and mobile experiences.

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Cullen/Frost plans to double its branch presence in Austin : The San Antonio bank says it will open 17 new financial centers in the Austin region by 2026. It's the latest step in a physical expansion strategy that has led to dozens of new branches in Houston and Dallas.

CHESTER SWANSON SR.

Next Trend Realty LLC./wwwHar.com/Chester-Swanson/agent_cbswan

1 年

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