First Republic's failure, and regulators' reports on SVB and Signature Bank, reveal poor executive decision-making and a touch of hubris.
Banks that have not started incorporating climate risk considerations into the business may require an overhaul of risk management processes to incorporate climate concerns adequately and completely.
Some regional banks continue to face possible extinction after the Silicon Valley Bank collapse. Economists believe that the combination of large uninsured deposit bases and the fragile relationship between bank equity valuations and consumer confidence could turn an ongoing liquidity crisis into a long-term problem for federal regulators.
Consumer loan growth is slowing down while delinquencies are back to pre-pandemic levels.