It is common knowledge that the banking industry has become increasingly consolidated over the past 25 years. In 1990, prior to a number of banking law changes, the nation housed around 12,500 charters. Today, there are roughly 6,000 charters, with consolidated assets of the top 10 U.S. banking...

Julie Stackhouse, senior vice president of banking supervision, points out that while there has been great progress by community banks since the end of the banking crisis, the news is still mixed. Earnings have rebounded, but pressure on net interest margins remains a concern. Still, there is a...

We consider it critical that the voice of “main street” lending institutions be considered in the formulation of good supervisory policy.

By traditional measures, liquidity risk for banks is higher today than 10 years ago. But new measures-necessitated by new funding sources-tell another story.