BLOG

Periodically, Klaros nonbank clients ponder the potential impact on their enterprise valuation if they were to seek a bank charter....

Bank M&A, which hit a five-year low  in 2023, may finally be poised for a comeback. Atlantic Union Bancshares Corporation (NYSE: AUB) has...

Konrad Alt and Patrick Haggerty The Synapse bankruptcy is raising fresh concerns about the challenges of protecting depositors whose...

BY BRIAN GRAHAM The recent rescue of NYCB through the infusion of private capital comes almost exactly a year after the collapse of...

BY KEVIN STEIN AND BRIAN GRAHAM Industry results for the fourth quarter of 2023 were weak on average; the largest banks outperformed and...

BY MICHELE ALT When it comes to bank charters, there’s a sizable gulf between the OCC’s words and actions. In his February 21 speech at...

BY MICHELE ALT For years, scenes from “It’s a Wonderful Life” played on a loop in the FDIC’s public foyer, illustrating the romantic lens...

BY SIMON GILBERT In our meetings with clients, the three most common words are “a”, “the”, and “capital.” And it’s not surprising: some...

As the banking crisis continues to unfold, regulators who scrutinize banks, fintechs wondering if their banking partner is sound, and...

The Fed’s announcement regarding its Novel Activities Supervision Program makes clear that some state member banks that partner with...

BY KEVIN STEIN FDIC Chairman Marty Gruenberg’s recent speech at the Brookings Institution Center for Regulation and Markets had some...

BY TOD GORDON Moody’s recent ratings actions impacting 27 U.S. banks reflects a belated recognition of challenges facing the banking...

BY PATRICK HAGGERTY In the aftermath of recent bank failures and subsequent deposit flight from several regional banks, the way banks...

BY ANDREAS WESTGAARD AND CHRISTINA HUNT-FUHR The much-anticipated guidance on third-party relationships issued in June by the Fed, OCC,...

BY KEVIN STEIN There’s a lot to like about the Banc of California/PacWest merger announced yesterday. The transaction creates a combined...

BY BRIAN GRAHAM The first half of 2023 has been chaotic for the banking industry: a spate of bank failures, fundamental restructuring of...

BY TOD GORDON Bank liquidity regulation and resulting practices were derived and honed from the learnings of the Financial Crisis. A...

BY KEVIN STEIN Over my thirty-five years in the banking sector, I’ve witnessed the number of FDIC-insured depositories decline from...

BY JONAH CRANE, BRIAN GRAHAM, AND KEVIN STEIN Once again, the banking system is under stress and banks are in need of additional capital....

BY MICHELE ALT In the Fed report analyzing the dramatic collapse of Silicon Valley Bank (SVB), Michael Barr, the Fed’s vice chair for...