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Discussion Paper
Assessing Bank Resilience to a Funding Shock
Deposits are the largest source of funding for U.S. banks, representing approximately two-thirds of liabilities. Deposits also remain key to bank profitability, as they typically function as a stable source of long-term funding at a cost well-below interest earned on bank assets.
Discussion Paper
Examining the Sensitivity of Regional Banks to Macroeconomic Shocks
Following the Global Financial Crisis (GFC), banking supervision and regulation became more stringent for largest banks, particularly systemically important institutions and those with at least $100 billion in consolidated total assets. However, the 2023 stress period following the default of the Silicon Valley Bank (SVB) highlighted that problems at regional banks, which we define as banks between $10 billion and $100 billion in assets, may also cause broader banking system stress.