The banking landscape continues to evolve, and we’re looking forward to the conversations ahead at the @ABABankers Annual Convention. 𝗩𝗶𝘀𝗶𝘁 𝘂𝘀 𝗮𝘁 𝗯𝗼𝗼𝘁𝗵 𝟰𝟬𝟭, and join IntraFi’s Kevin Hamilton for a panel discussion on 𝗪𝗶𝗻𝗻𝗶𝗻𝗴 𝘁𝗵𝗲 𝗗𝗲𝗽𝗼𝘀𝗶𝘁 𝗖𝗼𝗺𝗽𝗲𝘁𝗶𝘁𝗶𝗼𝗻. ow.ly/Aa9s50ZZku3 #ABA2026

Cam Fine, former head of ICBA and Ed Yingling, former head of American Bankers Association, break down what different midterm election outcomes could actually mean for banks, from congressional oversight and agency confirmations to crypto, the CFPB and regulatory relief. Listen: ow.ly/xBnS50ZXzPK

This week's Banking with Interest podcast explores: Is the latest proposal to rework implementation of the Community Reinvestment Act likely to stick when the past two have not? Jesse Van Tol, President & CEO of @NCRC, offers his take, including why he sees this latest effort as deeply flawed because it will weaken community-development obligations for banks nationwide. ow.ly/krTC50ZV61Z

.@ICBA President and CEO @romerorainey discusses the failed Senate vote on crypto market structure legislation, community bank concerns about stablecoin yield, the broader fight over who gets to compete for deposits under what rules, AI, and more. Listen: ow.ly/6Gie50ZT4qx

We’re looking forward to connecting with bankers who support the financial well-being of military members, veterans, and their families at the 𝗠𝗶𝗹𝗶𝘁𝗮𝗿𝘆 𝗕𝗮𝗻𝗸𝗶𝗻𝗴 𝗦𝘂𝗺𝗺𝗶𝘁 𝟮𝟬𝟮𝟲. Don’t miss @JillCastilla president and CEO of Citizens Bank of Edmond & ROGER, and IntraFi’s @robblackwellAB for 𝗕𝗲𝘆𝗼𝗻𝗱 𝘁𝗵𝗲 𝗛𝗲𝗮𝗱𝗹𝗶𝗻𝗲𝘀: 𝗔 𝗖𝗮𝗻𝗱𝗶𝗱 𝗟𝗼𝗼𝗸 𝗮𝘁 𝘁𝗵𝗲 𝗙𝗼𝗿𝗰𝗲𝘀 𝗥𝗲𝘀𝗵𝗮𝗽𝗶𝗻𝗴 𝗖𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗕𝗮𝗻𝗸𝗶𝗻𝗴. ow.ly/YutO50ZRuGe

Community banks have more room to compete for deposits following a new law that changes how reciprocal deposits are treated. Drew Keith of @TXSecurityBank, Matt Nightingale of @KatahdinTrust, and Kevin King of Saint Louis Bank discuss how it changes their funding options, why reciprocal deposits proved critical after the 2023 banking crisis, and what the change means as competition for deposits heats up. ow.ly/XmBT50ZQ7NY

Don’t miss IntraFi Chief Risk Officer Rae-Ann Miller and other industry experts on the main stage at @BankDirector's 𝗕𝗮𝗻𝗸 𝗕𝗼𝗮𝗿𝗱 𝗙𝗼𝗿𝘂𝗺 for 𝗕𝗲𝘆𝗼𝗻𝗱 𝘁𝗵𝗲 𝗕𝗮𝗹𝗮𝗻𝗰𝗲 𝗦𝗵𝗲𝗲𝘁: 𝗠𝗮𝘀𝘁𝗲𝗿𝗶𝗻𝗴 𝗠𝗼𝗱𝗲𝗿𝗻 𝗥𝗶𝘀𝗸 𝗢𝘃𝗲𝗿𝘀𝗶𝗴𝗵𝘁. The panel is on Tuesday, September 22, from 9:05 – 9:35 AM and will explore the questions directors should be asking about interest rate risk, liquidity management, and unrealized loss positions. ow.ly/kN7g50ZOpbo

Former Treasury Under Secretary @JonMcKernan explains why the department took a more active role coordinating bank regulation and what officials hoped to accomplish with a broader regulatory reset. He also discusses lessons from the 2023 bank failures, changes to capital, liquidity, and AML rules, and how AI could reshape deposit competition and the banking system itself. ow.ly/M2bY50ZNUU1

.@BrendanPedersen, financial services reporter for @PunchbowlNews, breaks down why the CLARITY Act's prospects have deteriorated, including a renewed revolt by community banks over stablecoin yield. He also discusses whether crypto's political clout is beginning to fade and a potential challenge for leadership of the House Financial Services Committee. ow.ly/MUUa50ZKP3K

Reciprocal deposits continue to grow not only on an absolute dollar basis but also as a percentage of total deposits, most notably among community banks, according to Q2 call report data. intrafi.com/insights

Industry reciprocal deposits reached $481 billion as of June 30, according to newly available call report data. Community banks continue to account for ~45% of that total, more than three times their 14% share of overall industry deposits. intrafi.com/insights