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What kind of difference can a single ratio make? In a new ABA DataBank essay, ABA's Patrick Mitchell and Brittany Kleinpaste discuss the FDIC's 2% Designated Reserve Ratio target for the Deposit Insurance Fund. This target — established by statute but set at the FDIC's discretion — is a level high…
On the latest episode of the ABA Banking Journal Podcast — sponsored by Q2 Software — ABA economist Dan Brown discusses the recent release of Home Mortgage Disclosure Act (HMDA) data for 2025. He examines several trends, including the varying composition of bank mortgage loans in different regions,…
The ability to pay college athletes has led to dramatic upheaval in banking college sports. Revenue-sharing with athletes has required big increases in spending that colleges may not have been counting on, just to be competitive. Meanwhile, the revenue shares and name, image and likeness marketing …
To mark the 250th anniversary of Independence Day this week, this classic replay episode of the ABA Banking Journal — sponsored by Q2 Software — explores the role of banking and finance in the American Revolution and the founding era. John Steele Gordon is an acclaimed economic historian whose book…
Virtually all banks engage in strategic planning, but how do they ensure the strategic plan actually drives performance and doesn't just get left in a binder on the shelf? On the latest episode of the ABA Banking Journal Podcast — sponsored by Q2 Software — Exchange Bank's Kevin Bender discusses ta…
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