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Deposit Insurance
Deposit insurance is a public guarantee on eligible deposits up to a cap — a run-stopper that creates moral hazard and a hard cap problem.
Deposit Outflow Rate
Deposit outflow rate measures the pace at which deposits leave the banking system or individual banks, helping assess funding stability and confidence.
Fractional-Reserve Banking
Fractional-reserve banking is taking deposits and holding only a fraction in reserves or liquid assets — credit creation with a run risk.
Regional Bank ETF
Regional Bank ETF performance helps track stress in smaller and mid-sized banks, especially around deposit stability, asset quality, and local credit conditions.
Reserve Requirement
A reserve requirement is the fraction of deposits a bank must hold as reserves — a tool that is now often zero in the US, with liquidity rules doing the real work.
SVB / Regional Bank Crisis 2023
March 2023’s US regional-bank crisis (SVB, Signature, First Republic) was a social-media deposit run on duration-mismatched, uninsured-deposit franchises — 1980s S&L math plus a Twitter fuse.
Money Market Fund Assets
Money market fund assets track the amount of cash parked in short-term low-risk vehicles, providing insight into liquidity preference, deposit substitution, and defensive positioning.
Deposit Insurance
Deposit insurance is a public guarantee on eligible deposits up to a cap — a run-stopper that creates moral hazard and a hard cap problem.
Deposit Outflow Rate
Deposit outflow rate measures the pace at which deposits leave the banking system or individual banks, helping assess funding stability and confidence.
Fractional-Reserve Banking
Fractional-reserve banking is taking deposits and holding only a fraction in reserves or liquid assets — credit creation with a run risk.
Reserve Requirement
A reserve requirement is the fraction of deposits a bank must hold as reserves — a tool that is now often zero in the US, with liquidity rules doing the real work.