Bank Directors Seminar, Coeur d'Alene, ID, September 15-17, 2019

U.S. Charters by Authority

• In 1985 there were more than 18,000 active bank charters in the United States. • Of the 5302 banks in operation as of Q2 2019, 4198 (79%) hold a state charter . Source: FDIC

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State Chartered Large Banks

30 states and Puerto Rico have banks over $10B • 79 state-chartered banks • Top 5: BNY Mellon, State Street, BB&T, SunTrust, Goldman Sachs Banks USA • 18 state banks approaching $10B ($7.5B to $10B) o Including banks in two states (OK, MD) that are not currently supervising a $10B+ bank

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