What I'll be looking at this morning in the FDIC's quarterly banking profile release, in order: credit, liquidity, capital and earnings.

Because some of you are asking, If you’re looking for my take on what happened leading up to the collapse of SVB and SBNY and where banking goes from here, this piece my colleague and I wrote to make sense of these events is worthy of your time. rsmus.com/insights/indus…

What could cause your bank to break? Internal stress tests can help banks answer this question; most use the exercise but it could be more rigorous. Find out how: bankdirector.com/issues/risk-is… Brandon Koeser Patrick Hanchey

Stress testing requires stress. Seems simple but as we’re seeing it’s not that easy to get right. Good insights from Emily McCormick on the heals of recent banking failures. And as always, appreciate the chance to contribute to your work.

HOME OPENER Minnesota Twins

Big day in banking. Hopefully not any bigger than the below.

Here's how the 2023 bank failures stack up against other bank failures dating back to 2001.

From M&A to capital, liquidity to digital assets, the regulatory environment for banks is turning. My latest piece explores some of the big themes to be paying attention to in bank regulation. rsm.buzz/3NHA77N

Fed Senior Loan Officer Opinion Survey: Lending standards are tightening; loan demand is falling. Not surprising when looking at CRE loans. My colleagues and I recently wrote about the CRE outlook in banking. Good data. Great read. rsm.buzz/42A07WN

It's not if. It's when. While I've been pointing to the changes in regulatory regimes as a precursor for this shift, recent events will push this effort into overdrive. Even though congressional action may be unlikely, don't underestimate agency powers to adjust regulation.

Informative commentary in the FOMC statement. I wonder if Chair Powell pauses just once - briefly for effect - during the prepared remarks portion of his presser to support the current and future actions of the Fed.

It was a real honor to kick off #BDAudit23. Macro headwinds, regulatory pressures and technology advancements make these events key for bank leaders to decipher what is the signal over the noise banking. Shoutout to Bank Director for putting on another great conference.

In a mobile banking world, UX doesn't have to suffer as a result of added security measures. Appreciate the chance to share some insights for this piece exploring the balance between fast and friction.

A few thoughts after reflecting on Fed Gov Waller's commentary: 1) The instability we saw in banking earlier this year is not reflective of the whole industry 2) Pay closer attention to core readings on inflation, not just the headline numbers 3) Hawks will be hawks

Banks still benefit from performing a #risk assessment when entering a #fintechpartnership even if the company doesn't have a long operational history. bankdirector.com/issues/risk-is… Kiah Lau Haslett is a bank reporter (she/her) #BDAudit23

“The environment is going to get tougher [for banks], but the biggest thing is stricter enforcement of existing regulation." – RSM US LLP's Brandon Koeser. bankdirector.com/issues/risk-is… Kiah Lau Haslett is a bank reporter (she/her) #riskmanagement #BDAudit23

If only the overview document related to the amendments to the regulatory capital rule was enough. *Pours cup of coffee* Time to crack open the 1,000+ pages of the Basel III endgame proposal.

Despite the Fed taking the risk of recession off the table in the near-term, the full effect of the recent rate campaign has yet to fully hit the real economy. Appreciative of the opportunity to join Jack Milligan on #TheSlant podcast to talk continued risk in the macroeconomy.

I may have used a picture from a blizzard in place of this picturesque snowscape to drive the point home.

My view on the latest FDIC proposal: The FDIC is taking aim at bank boards and how they should govern. Some of these changes will have a big impact to banks looking at life above $10 billion. rsm.buzz/475HjkS