Large Bank Supervision Forum 2023

BY THE NUMBERS: STATE BANKING INDUSTRY

3,942 State banks

79% of all Banks are State

3,223 banks under 1B

98 State banks over $10B

Banks over $10 Billion represent 67% of all state system assets

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Confidential (For State Bank Supervisors Only) / Not For Redistribution / Pre ‐ Decisional – Data as of March 31, 2021

The Interview Questions

• Key advantages of the State Charter • Barriers to interstate expansion or branching in host states • Permissible activities, powers, or products • Collaboration and coordination between state and federal regulators

• Improvements to the examination process • Issues with the cooperative agreement

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Confidential (For State Bank Supervisors Only) / Not For Redistribution / Pre ‐ Decisional