Promoting a safe, sound, and stable banking and financial system, and fair and transparent financial services


First Glance 12L

Posted June 23, 2023

The 1Q23 issue of First Glance 12L notes that banks faced a challenging funding landscape during the quarter. Although still solidly profitable, the combination of rising short-term interest rates, competitive pricing pressures, and shifts in funding mix compressed banks’ margins. Meanwhile, job and housing markets improved slightly but commercial real estate markets remained under pressure.

First Glance 12L

Posted March 8, 2023

The 4Q22 issue of First Glance 12L notes cooling job and real estate market conditions in the West. Among the District’s banks, funding costs increased notably as nonmaturity deposit runoff picked up, deposit competition intensified, and banks shifted to pricier funding sources.

Supervision in Brief

Posted October 17, 2022

This July, the Federal Reserve System welcomed its new Vice Chair for Supervision, Michael Barr. Since then, the Supervision + Credit (S+C) group at the SF Fed has worked diligently with our Board colleagues to inform his agenda and priorities, which he recently delivered at The Brookings Institution.

Supervision in Brief

Posted April 11, 2022

As we come out of more than two years of weathering the effects of the pandemic, Twelfth District banking and economic conditions continue to show signs of recovery. However, we are monitoring financial conditions as the economy normalizes while noting a changing interest rate environment and potential headwinds from geopolitical tensions and uncertainty around the ultimate impact of fading government stimulus.

View More Publications

Pacific Exchanges Podcast

Fintech & Racial Equity: Featuring Our Recent Collaboration on the Community Development Innovation Review

Posted October 14, 2021

Fintech and Racial Equity Community Development Innovation Review banner

We’re excited to share a special episode in partnership with our colleagues in the San Francisco Fed’s Community Development group. Our teams recently collaborated on a special issue of the Community Development Innovation Review in partnership with the Aspen Institute’s Financial Security program, which examined the potential ways financial technology can promote racial equity in the financial system. Today’s episode features audio from the journal’s live launch event.

Visit the Pacific Exchanges Podcast

Follow Us

Youtube Facebook Twitter Visit us on LinkedIn Newsletter

Did You Know?

The Federal Reserve supervises state member banks, as well as the companies that own banks or savings institutions.

About Supervision + Credit

Asia Program

Home of the Pacific Exchange blog, Asia Program focuses on issues important to banking in Asia and the Pacific Rim.

More about the Asia Program


Our analysts study the impact of financial technology on banking from a supervision perspective. Schedule a consultation for help navigating the regulatory and supervisory system in support of your business model or fintech partnerships.

More about Fintech

Discount Window

Our primary credit lending program extends credit to depository institutions, helping to alleviate temporary liquidity strains.

Upcoming Events

Upcoming Events

There are currently no upcoming events.

View Asia Program Events

View Fintech events

Follow Us

Youtube Facebook Twitter Visit us on LinkedIn