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Ever since I decided to buy a weighted lap pad for sleeping while traveling, going through TSA has taken noticeably longer. 😅

In a brief report released today, the FDIC's Inspector General says that the January 2025 failure of Pulaski Savings bank stemmed from "significant unresolved and unexplained discrepancies within suspense accounts as well as large deposits maintained off the bank's core system"

I could've talked with Rob Blackwell for forever about nerdy bank stuff but we somehow managed to keep it to an hour!

I know these two bank nerds. This will be an INCREDIBLE listen.

BREAKING: Fed Gov. Miki Bowman confirmed by the Senate. This is a win for bankers, particularly community bankers who had pushed for this for months.

Newsletters I bought paid subs for recently: - Kyla Scanlon: kyla.substack.com - delia: deezlinks.com - Colarion: fivepoint.substack.com - Mikala Jamison: bodytype.substack.com

I have a lot of question of how a $45M bank forgets to log $20M in CDs or successfully hides them, but the contractor runs across them?

Delighted to be included in this list! My paid subscribers have more than doubled since the beginning of the year bc my stuff is good. Here ya go. bodytype.substack.com

This is an insanely sophisticated attack

Also, small bank holding cos likely downstreamed most of their sub-debt issuance to the bank as Tier 1 capital. Good read Kiah Lau Haslett is a bank reporter (she/her) -> Billions of Sub Debt Set To Reprice, Forcing Banks To Explore Options   bankdirector.com/article/billio…

Great article Kiah Lau Haslett is a bank reporter (she/her)

Banks issued a record amount of sub debt in 2020-21. That debt is set to reprice soon, forcing bankers to consider their options in a radically different rate environment. Read my latest!

Kiah Lau Haslett is a bank reporter (she/her) Outstanding and timely. We’re a buyer and have many repricing over the next 12 months. Curious how much will be called vs repriced. ⁉️

Protego Holdings has filed an application with the OCC to charter a new national trust bank. The proposed bank, to be called the National Digital Trust Company, would be a "a specialized financial institution addressing the growing demand for digital asset services"

This is Protego's second try at getting a national trust charter. In early 2021, the OCC conditionally approved Protego's application to convert its state trust charter to a national trust bank charter. But Protego was unable to get final approval and never opened.

My kindle says I am 80% through “The Rivals,” a big data online dating mystery by Jane Pek. It will take me 61 minutes to finish and it is 12:30am. Do I dare?!