Insights — Collins Fraiman

The most significant recalibration of Federal Reserve examination practice in years — what the SSOP reforms, MRA/MRIA cleanup and new supervisory philosophy mean for banks.

Regulatory

OCC Examination Themes for 2026

The OCC is replacing fixed-frequency examination requirements with risk-based discretion — while maintaining focused scrutiny on credit, cyber and BSA/AML risk at community and regional banks.

Regulatory

The GENIUS Act: Strategic Implications for Community, Regional and Midsize Banks

The first federal stablecoin framework — what it means for deposit competition, payment infrastructure and the strategic choices facing smaller and midsize banks.

New Publication

Treasury Intelligence Quarterly

A quarterly publication for Treasury, Finance, Risk Management and ALCO teams. Each edition reads the banking industry through FDIC quarterly data and translates it into practical insights on liquidity, funding, capital and interest rate risk — benchmarked by peer group, not by individual bank ranking.

Treasury Intelligence

Quarterly

Q2 2026

98 pages

Q2 2026 Edition · Now Available

Treasury Strategies Continued to Diverge in Q2 2026

Policy stood still. The banking industry did not.

Despite a relatively stable macroeconomic backdrop, Treasury strategies continued to diverge. Loan growth outpaced deposit growth for the first time in three quarters, wholesale funding reached its highest level in five years, and capital flexibility improved — but almost entirely among the smallest institutions.

The industry is no longer moving in the same direction at different speeds. Different peer groups are making different balance-sheet decisions.

Treasury Intelligence Quarterly examines what changed, why it matters, and the questions Treasurers, CFOs, CROs and ALCOs should be asking as they prepare for Q3.

Inside This Edition

Funding: Why wholesale funding reached a five-year high — and what it may signal for Treasury strategy.

Deposits: How diverging funding profiles are reshaping peer-group positioning.

Capital: Why improvements in capital flexibility were concentrated among the smallest institutions.

Benchmarking: New peer-group analysis across liquidity, funding, capital, interest rate risk, Treasury readiness and management behaviour.

Designed to help Treasurers, CFOs, CROs and ALCOs benchmark their institution, challenge assumptions and support more informed balance-sheet decisions.

Historical Editions

Previous Editions

Past editions of Treasury Intelligence Quarterly will appear here as they are archived. Each edition remains available to registered subscribers on request.

Coming Soon

Q3 2026

Available November 2026

To request access to a previous edition, contact us at publication@collinsfraiman.com.

Perspectives on Balance Sheet Risk

Treasury Intelligence Quarterly

Previous Editions

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