Kansas Heartland Tri-State Bank Closed By FDIC As Banking Crisis Deepens

Taasavaldanud Platon

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The ongoing crisis surrounding the U.S. banking system struck again as Heartland Tri-State Bank of Elkhart was suletud on July 29 by the Kansas Office of the State Bank Commissioner, with the Federal Deposit Insurance Corporation (FDIC) taking control.

31. juulil avatakse Heartland Tri-State Banki neli filiaali uuesti Dream First Banki filiaalidena tavapärasel tööajal, märkis FDIC avalduses. Ebaõnnestunud panga hoiustajatest saavad Dream First Banki kliendid, mis tähendab, et väljamakseid, sissemakseid ja laenutehinguid töödeldakse Dream First Banki kaudu. Heartland Tri-State Banki kliendid peaksid jätkama oma olemasoleva filiaali asukoha kasutamist, kuni pank on ülemineku lõpule viinud.

Heartland Tri-State Bank is the first bank to collapse since troubled First Republic Bank was acquired by J.P. Morgan in May after efforts to rescue the company failed. It also follows the dramatic collapse of Silicon Valley Bank in March that triggered days of chaos in the US banking system.

This evening, the Kansas bank commissioner closed Heartland Tri-State Bank of Elkhart. To protect depositors, the FDIC entered into an agreement with Dream First Bank of Syracuse, Kansas, to assume all of the deposits of Heartland Tri-State Bank. https://t.co/bQs4bnhEN2 pic.twitter.com/e62HdCSiXN

— FDIC (@FDICgov) Juuli 28, 2023

The Heartland Tri-State Bank collapse also marks the second bank crisis of the week. On July 25, PacWest merged with Banc of California, with both banks seemingly looking to shore up amidst the banking industry turmoil.

Behind the bank’s failures is believed to be the rising interest rates in the United States along with poor risk management from financial institutions. The Federal Reserve kasvanud its benchmark rate over the past year to more than 5.25% in July — the highest rate since 2007 — in an effort to curb inflation in the country. In June, the inflation rate in the U.S. was 4.1% year-over-year.

Heartland Tri-State Banki varade kogumaht oli märtsi seisuga ligikaudu 139 miljonit dollarit ja hoiused kokku 130 miljonit dollarit. Koos hoiustega nõustus Dream First Bank ostma kõik ebaõnnestunud panga varad.

FDIC hinnangul on hoiuste kindlustamise fondi (DIF) kulud 54.2 miljonit dollarit. DIF on kindlustusfond, mille Kongress lõi 1933. aastal ja mida haldab FDIC, et kaitsta riigi pankade hoiuseid. "Võrreldes teiste alternatiividega, oli Dream First Bank, National Association, omandamine DIF-i jaoks kõige vähem kulukas lahendus," ütles FDIC.

Democrats with the House Financial Services Committee have introduced several bills in June in what they described as the “first wave” of legislation aimed at addressing failures at major banks.

"Silicon Valley Banki, Signature Banki ja First Republic Banki ebaõnnestumised näitavad, et on aeg kehtestada õigusaktid, mille eesmärk on tugevdada meie pangandussüsteemi turvalisust ja usaldusväärsust ning suurendada pankade juhtide vastutust," ütles toonane kongresmen Maxine Waters. "Kongress ei tohi käed rüpes istuda."

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