TheDinarian
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💥Derivatives Time Bomb - Is YOUR Bank on this list?💥
November 29, 2022
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(Dinarian Note: As I have been telling everyone for years now, GET YOUR WEALTH OUT OF THE BANKS, ONLY KEEP IN A MINIMAL AMOUNT TO PAY NECESSARY IMMEDIATE BILLS. Keep your assets on a cold storage wallet. We are at the point where services exist where you dont even need banks anymore, you can pay most if not all bills via stablecoins like Circles USDC. Dont wait until it's too late! THIS IS 100% FINANCIAL ADVICE, BE YOUR OWN BANK!)

For years there has been much talk about how "Derivatives" are a gigantic problem, and if Derivatives Markets collapse, it is the end of the financial world as we know it.  We looked at Bank exposure to "Derivatives" and below is a list that will likely frighten you.  US Banks are on the hook for two Quadrillion dollars, in "Derivatives."  Is **YOUR** bank on this list?   If it is, ask yourself "If they LOST all this money, would MY money still be safe in this bank?" Act accordingly.

Below is the list of United States banks and how much exposure they have to "Derivatives."  Two quadrillion dollars is the total notional value of derivative contracts off-balance sheet. Need collateral.

It’s notional. Not sustainable. Triffins dilemma. Dollar shortage. More collateral. But from where?

Of course, net notional value is completely different than directional risk.  Just seeing these numbers does NOT indicate how much the bank itself is on-the-hook for. 

Moreover, there is still value in the underlying commodities for many of these derivatives.   People that think these are all bilaterally netted (Hedged) and those people are partially correct.  But that bilateral netting will lead to the complete collapse of equities markets.

The numbers are utterly staggering and logic dictates the banks with the highest exposure, have the most to lose.  

Being that derivatives are interest rate sensitive, for most of these banks, it’s a doomsday scenario.

The majority of people don’t understand monetary inflation let alone derivatives.  So think of it like this:  Derivatives are IOU’s backed by other IOU’s. Hustling fast money by selling chickens before they hatch, 5 generations in advance, hoping all the eggs hatch because the money was already spent on fees for a loan to pay interest on credit card debt.

Below is a graphic known as Exeter's Pyramid.  It shows financial risk from the safest, GOLD; to the least safe: Derivatives.

Banks Ranked by Derivatives

The following is a ranking of all banks in the United States in terms of "Derivatives". This comparison is based on data reported on 2022-06-30

RankDerivativesBank Name
1$57,022,286,000,000JPMorgan Chase Bank
2$49,972,812,000,000Goldman Sachs Bank USA
3$45,886,112,000,000Citibank
4$22,666,325,000,000Bank of America
5$11,484,983,000,000Wells Fargo Bank
6$2,271,601,000,000State Street Bank and Trust Company
7$1,511,176,232,000HSBC Bank USA
8$1,256,045,000,000The Bank of New York Mellon
9$785,851,064,000U.S. Bank
10$562,254,385,000PNC Bank
11$408,003,666,000Western Alliance Bank
12$348,162,229,000TD Bank
13$337,438,775,000The Northern Trust Company
14$323,341,000,000Truist Bank
15$248,211,478,000Citizens Bank
16$169,821,079,000Fifth Third Bank
17$166,118,000,000Regions Bank
18$164,279,392,000Capital One
19$138,928,879,000MUFG Union Bank
20$136,584,106,000KeyBank
21$119,319,000,000Morgan Stanley Bank
22$80,046,532,000The Huntington National Bank
23$71,801,453,000BOKF
24$71,067,700,000UBS Bank USA
25$70,439,741,000Manufacturers and Traders Trust Company
26$64,010,768,000BMO Harris Bank
27$62,538,000,000Comerica Bank
28$57,886,053,000Capital One Bank (USA)
29$55,011,418,000Santander Bank, N.A.
30$39,054,000,000Morgan Stanley Private Bank
31$35,449,747,000First Horizon Bank
32$35,174,468,000City National Bank
33$30,277,000,000Deutsche Bank Trust Company Americas
34$29,888,000,000Silicon Valley Bank
35$25,190,124,000Flagstar Bank, FSB
36$25,115,000,000Ally Bank
37$24,504,922,000East West Bank
38$22,990,198,000Zions Bancorporation, N.A.
39$21,761,651,000SouthState Bank
40$20,197,273,000First-Citizens Bank & Trust Company
41$18,492,774,000Bank of the West
42$18,133,467,000First Financial Bank
43$16,489,866,000Webster Bank
44$16,023,928,000Synovus Bank
45$15,784,000,000Barclays Bank Delaware
46$15,478,020,000Valley National Bank
47$15,054,290,000TD Bank USA
48$13,602,525,000First National Bank of Pennsylvania
49$13,284,746,000Pacific Coast Bankers' Bank
50$12,791,030,000Old National Bank
51$11,313,312,000Signature Bank
52$10,370,870,000Fulton Bank
53$10,125,176,000Associated Bank
54$9,408,332,000MidFirst Bank
55$8,667,361,000Hancock Whitney Bank
56$8,261,631,000Umpqua Bank
57$7,289,884,000Lake Forest Bank & Trust Company
58$7,289,584,000Israel Discount Bank of New York
59$7,207,000,000USAA Federal Savings Bank
60$6,945,914,000First Republic Bank
61$6,345,726,000TIAA, FSB
62$5,951,468,000Atlantic Union Bank
63$5,736,320,000Silvergate Bank
64$5,631,436,000BankUnited
65$5,487,943,000Tristate Capital Bank
66$5,279,227,000Texas Capital Bank
67$5,255,900,000Principal Bank
68$5,218,655,000Pinnacle Bank
69$5,109,521,000Safra National Bank of New York
70$4,971,704,000Frost Bank
71$4,945,853,000Rockland Trust Company
72$4,744,979,000Wilmington Savings Fund Society, FSB
73$4,589,237,000PlainsCapital Bank
74$4,458,503,000Arvest Bank
75$4,414,007,000UMB Bank
76$4,198,107,000Discover Bank
77$4,082,042,000Cedar Rapids Bank and Trust Company
78$3,968,428,000Eastern Bank
79$3,953,699,000NexBank
80$3,948,743,000Northpointe Bank
81$3,910,116,000Sallie Mae Bank
82$3,889,105,000First Interstate Bank
83$3,851,858,000Bremer Bank
84$3,805,850,000City National Bank of Florida
85$3,767,255,000Berkshire Bank
86$3,673,300,000Wintrust Bank
87$3,555,609,000SoFi Bank
88$3,500,000,000Beal Bank USA
89$3,415,168,000Bank of Hawaii
90$3,350,117,000Cadence Bank
91$3,312,754,000First Hawaiian Bank
92$3,238,143,000Raymond James Bank
93$3,184,928,000CIBC Bank USA
94$3,106,909,000Provident Bank
95$3,063,710,000United Community Bank
96$3,030,649,000Wells Fargo National Bank West
97$2,997,550,000Brookline Bank
98$2,863,869,000NBT Bank
99$2,857,449,000Commerce Bank
100$2,749,691,000Centier Bank
101$2,734,397,000S&T Bank
102$2,733,592,000First Merchants Bank
103$2,676,763,000Dime Community Bank
104$2,642,970,000Washington Federal Bank
105$2,597,359,000The Washington Trust Company, of Westerly
106$2,541,002,000OceanFirst Bank
107$2,453,624,000FirstBank
108$2,411,325,000First Commonwealth Bank
109$2,398,559,000Gateway First Bank
110$2,245,012,000Amerant Bank
111$2,108,438,000Ameris Bank
112$2,092,261,000Trustmark National Bank
113$2,077,174,000Simmons Bank
114$1,962,521,000First United Bank and Trust Company
115$1,948,772,000Bankers Trust Company
116$1,838,039,000Renasant Bank
117$1,826,841,000Veritex Community Bank
118$1,801,342,000WesBanco Bank, Inc.
119$1,786,123,000Cathay Bank
120$1,784,620,000Customers Bank
121$1,782,942,000Lakeland Bank
122$1,781,999,000Third Federal Savings and Loan Association of Cleveland
123$1,687,506,000Salem Five Cents Savings Bank
124$1,666,677,000Cambridge Savings Bank
125$1,624,219,000Peapack-Gladstone Bank
126$1,622,763,000Bank of Hope
127$1,542,260,000Barrington Bank & Trust Company
128$1,519,751,000City National Bank of West Virginia
129$1,500,000,000Beal Bank
130$1,476,690,000Northwest Bank
131$1,458,807,000Banner Bank
132$1,438,297,000Pacific Premier Bank
133$1,429,056,000First Business Bank
134$1,410,012,000Johnson Bank
135$1,387,261,000First American Bank
136$1,385,289,000Flushing Bank
137$1,370,157,000Mechanics Bank
138$1,347,561,000Columbia State Bank
139$1,343,943,000Cambridge Trust Company
140$1,315,277,000RBC Bank, (Georgia)
141$1,305,273,000Texas Exchange Bank
142$1,268,497,000Peoples Bank
143$1,264,189,0001st Source Bank
144$1,261,115,000United Fidelity Bank, fsb
145$1,257,705,000Liberty Bank
146$1,231,328,000Union Bank and Trust Company
147$1,226,303,000Apple Bank for Savings
148$1,216,735,000PeoplesBank
149$1,211,814,000Busey Bank
150$1,204,200,000River City Bank
151$1,171,805,000Southside Bank
152$1,142,727,000The Federal Savings Bank
153$1,124,667,000Univest Bank and Trust Co.
154$1,122,722,000Five Star Bank
155$1,110,431,000Union Savings Bank
156$1,101,126,000Sunflower Bank
157$1,100,499,000WaterStone Bank, SSB
158$1,074,733,000Byline Bank
159$1,072,573,000Leader Bank
160$1,055,043,000Horizon Bank
161$1,037,509,000Enterprise Bank & Trust
162$1,035,790,000Plains Commerce Bank
163$1,033,473,000United Bank
164$1,012,787,000HarborOne Bank
165$1,005,784,000First Bank
166$1,000,000,000New York Community Bank
167$950,000,000Luther Burbank Savings
168$912,889,000NBH Bank
169$909,246,000First National Bank of Omaha
170$887,095,000Citizens Business Bank
171$823,704,000Seacoast National Bank
172$823,076,000Woodforest National Bank
173$817,002,000Independent Bank
174$807,938,000Origin Bank
175$789,440,000NBKC Bank
176$779,569,000Lake City Bank
177$775,000,000Metro City Bank
178$772,241,000The Camden National Bank
179$770,319,000Kearny Bank
180$770,234,000Bar Harbor Bank & Trust
181$737,236,000Mercantile Bank
182$736,908,000Bank of England
183$709,921,000Needham Bank
184$690,176,000North American Savings Bank, F.S.B.
185$686,118,000Premier Bank
186$664,433,000Pioneer Bank
187$659,407,000Stifel Bank and Trust
188$645,499,000Great Southern Bank
189$621,106,000CrossFirst Bank
190$620,687,000Columbia Bank
191$616,879,000Heritage Bank
192$611,607,000Hinsdale Bank & Trust Company
193$608,776,000Quontic Bank
194$604,849,000HomeStreet Bank
195$600,000,000ChoiceOne Bank
196$592,586,000Firstrust Savings Bank
197$588,058,000EagleBank
198$586,530,000Independent Bank
199$571,240,000Town Bank
200$559,974,000Quad City Bank and Trust Company
201$553,177,000First Community Bank of Tennessee
202$550,401,000Bell Bank
203$538,243,000The Central Trust Bank
204$533,167,000BankSouth
205$525,187,000The Canandaigua National Bank and Trust Company
206$523,877,000Libertyville Bank & Trust Company
207$500,759,000Schaumburg Bank & Trust Company
208$493,243,000Chemung Canal Trust Company
209$490,518,000Towne Bank
210$467,429,000Civista Bank
211$452,005,000Broadway National Bank
212$449,978,000Oakstar Bank
213$447,221,000Commercial Bank
214$446,270,000Prosperity Bank
215$445,712,000Carter Bank & Trust
216$445,303,000Northrim Bank
217$443,571,000City Bank
218$440,286,000Wheaton Bank & Trust
219$435,534,000Citizens and Farmers Bank
220$431,297,000Bangor Savings Bank
221$426,279,000MainStreet Bank
222$423,028,000MVB Bank, Inc
223$418,160,000Peoples Security Bank and Trust Company
224$415,532,000Sandy Spring Bank
225$414,169,000Bank Rhode Island
226$405,788,000ESSA Bank & Trust
227$405,001,000West Bank
228$401,548,000MidWestOne Bank
229$400,000,000ConnectOne Bank
230$395,795,000Midland States Bank
231$392,488,000NATIONAL COOPERATIVE BANK, N.A.
232$381,832,000Bridgewater Bank
233$381,399,000First Farmers Bank & Trust Co.
234$380,835,000Village Bank and Trust
235$379,413,000Republic Bank & Trust Company
236$378,715,000First Federal Bank
237$369,084,000Magnolia Bank, Incorporated
238$365,000,000Capitol Federal Savings Bank
239$364,960,000One American Bank
240$362,502,000Dollar Bank, Federal Savings Bank
241$358,460,000Northbrook Bank and Trust Company
242$358,000,000Farmers and Merchants Bank
243$350,216,000Middlesex Savings Bank
244$345,595,000Alerus Financial
245$342,113,000University Bank
246$340,044,000First Internet Bank of Indiana
247$339,111,000Equity Bank
248$337,500,000Sturgis Bank & Trust Company
249$336,029,000FirstBank
250$335,246,000BNC National Bank
251$335,188,000Old Plank Trail Community Bank
252$330,830,000Stock Yards Bank & Trust Company
253$329,279,000SmartBank
254$328,461,000Summit Community Bank, Inc
255$326,282,000Beach Community Bank
256$319,154,000Vast Bank
257$319,046,000Merchants Bank of Indiana
258$313,844,000Alpine Bank
259$308,410,000ServisFirst Bank
260$301,207,000First Citizens Community Bank
261$300,721,000German American Bank
262$300,000,000Metropolitan Commercial Bank
263$290,788,000Centennial Bank
264$290,000,000Spencer Savings Bank, SLA
265$285,711,000Premier Valley Bank
266$285,639,000Old Second National Bank
267$266,109,000First Federal Savings and Loan Association of Lakewood
268$265,803,0001st Security Bank of Washington
269$264,462,000PCSB Bank
270$262,745,000First Savings Bank
271$255,301,000West Gate Bank
272$248,313,000Progress Bank and Trust
273$248,098,000Newburyport Five Cents Savings Bank
274$247,562,000Dubuque Bank and Trust Company
275$241,977,000St. Charles Bank & Trust Company
276$241,714,000Mid Penn Bank
277$240,853,000Crystal Lake Bank and Trust Company
278$236,743,000American National Bank
279$236,240,000INLAND BANK & TRUST
280$232,000,000Banco Popular de Puerto Rico
281$229,996,000Androscoggin Savings Bank
282$228,595,000Bristol County Savings Bank
283$228,291,000Heartland Bank and Trust Company
284$227,681,000CommunityBank of Texas, N.A.
285$226,688,000NEXTIER BANK
286$226,410,000Extraco Banks
287$224,942,000Amarillo National Bank
288$224,479,000North Easton Savings Bank
289$223,691,000Katahdin Trust Company
290$222,037,000Bankwell Bank
291$220,805,000The Bank of Tioga
292$220,350,000Orrstown Bank
293$213,042,000Traditions Bank
294$207,062,000BayCoast Bank
295$204,844,000CapStar Bank
296$202,886,000FVCbank
297$202,711,000Evolve Bank & Trust
298$200,929,000First Financial Bank
299$200,000,000Tradition Capital Bank
300$198,049,000Armed Forces Bank
301$197,860,000First Bank
302$196,642,000Arizona Bank & Trust
303$192,892,000Bank Iowa
304$191,868,000Presidential Bank, FSB
305$187,345,000Gulf Coast Bank and Trust Company
306$181,530,000Central Pacific Bank
307$180,067,000Manufacturers Bank
308$177,219,000Meridian Bank
309$177,085,000Sunwest Bank
310$176,531,000HTLF Bank
311$172,427,000Citizens & Northern Bank
312$172,000,000Charles Schwab Bank, SSB
313$170,503,000The State Bank and Trust Company
314$169,069,000UniBank for Savings
315$166,643,000Mizuho Bank (USA)
316$165,918,000Minnesota Bank & Trust
317$160,997,000Burke & Herbert Bank & Trust Company
318$160,474,000LendingClub Bank
319$160,047,000Midwest BankCentre
320$159,428,000Ion Bank
321$158,364,000Fremont Bank
322$158,056,000The Farmers National Bank of Canfield
323$156,828,000BayFirst National Bank
324$155,934,000Glacier Bank
325$154,442,000FIDELITY BANK
326$154,409,000Southern States Bank
327$151,875,000Peoples Bank
328$151,395,000Cornerstone Bank
329$150,850,000Malvern Bank N.A.
330$150,698,000Glens Falls National Bank and Trust Company
331$147,740,000Union Savings Bank
332$147,142,000Genesee Regional Bank
333$147,064,000Westfield Bank, FSB
334$146,802,000State Bank Financial
335$146,536,000Beverly Bank & Trust Company
336$143,478,000Kish Bank
337$140,746,000BankNewport
338$140,735,000First International Bank & Trust
339$136,537,000Macatawa Bank
340$134,958,000New Mexico Bank & Trust
341$133,800,000Pacific National Bank
342$132,818,000Goldwater Bank, N.A.
343$130,276,000Ameriserv Financial Bank
344$129,350,000Pinnacle Bank
345$127,667,000First State Bank
346$127,545,000Pathfinder Bank
347$126,685,000Summit Bank
348$126,245,000Penn Community Bank
349$125,113,000Central National Bank
350$123,701,000Capital City Bank
351$123,437,000Hanmi Bank
352$122,662,000Northway Bank
353$120,751,000Washington State Bank
354$118,690,000Colonial Savings, F.A.
355$115,438,000American Bank
356$113,935,000Hickory Point Bank and Trust
357$113,756,000First National Bank
358$113,740,000Community State Bank
359$112,926,000Willamette Valley Bank
360$112,673,000IncredibleBank
361$111,514,000First Bank & Trust
362$111,070,000Centreville Bank
363$109,855,000Morton Community Bank
364$109,644,000Washington Trust Bank
365$109,597,000Professional Bank
366$109,168,000Gorham Savings Bank
367$109,000,000Blue Foundry Bank
368$107,855,000Ledyard National Bank
369$107,718,000The Bank of Tampa
370$107,427,000First Fidelity Bank
371$107,375,000International Bank of Commerce
372$105,008,000Citizens First Bank
373$103,162,000Florida Capital Bank
374$103,012,000The Guilford Savings Bank
375$102,496,000Fall River Five Cents Savings Bank
376$101,024,000Avidia Bank
377$100,111,000b1BANK
378$100,000,000OneUnited Bank
378$100,000,000The Fountain Trust Company
380$99,725,000CTBC Bank Corp. (USA)
381$99,136,000The Bank of Missouri
382$98,549,000First State Bank Nebraska
383$98,110,000CoastalStates Bank
384$96,218,000Guaranty Bank
385$95,952,000Minnwest Bank
386$95,000,000First Financial Northwest Bank
386$95,000,000First National Bank & Trust Company
388$93,622,000First Mid Bank & Trust
389$93,241,000Newtown Savings Bank
390$91,360,000First Financial Bank
391$91,140,000Stockman Bank of Montana
392$89,760,000Lincoln Savings Bank
393$87,715,000Midwest Community Bank
394$87,453,000Beneficial State Bank
395$87,419,000InsBank
396$86,533,000Pacific Western Bank
397$86,364,000State Bank of the Lakes
398$86,064,000CHARTER WEST BANK
399$86,049,000Town And Country Bank
400$85,978,000Lakeside Bank
401$85,756,000Neighbors Bank
402$85,341,000First Western Trust Bank
403$84,538,000BancFirst
404$84,390,000F&M Bank
405$83,002,000Heritage Bank, Inc.
406$82,414,000Blackhawk Bank & Trust
407$81,986,000The Dart Bank
408$81,795,000Rollstone Bank & Trust
409$81,569,000The Park Bank
410$81,153,000Community Financial Services Bank
411$80,424,000Banc of California
412$79,750,000Cornerstone Bank
413$79,734,000South Shore Bank
414$79,579,000Saco & Biddeford Savings Institution
415$78,985,000The Greenwood's State Bank
416$78,797,000Fortis Private Bank
417$78,659,000Security Bank of Kansas City
418$78,620,000Pentucket Bank
419$78,367,000Carrollton Bank
420$77,644,000Merchants Bank
421$77,342,000Fairfield County Bank
422$77,235,000Nebraskaland Bank
423$76,474,000Westfield Bank
424$76,000,000Luminate Bank
425$75,573,000Wood & Huston Bank
426$75,133,000Northfield Bank
427$75,126,000The Freedom Bank of Virginia
428$74,586,000First Bank
429$73,790,000Cf Bank
430$73,529,000Kirkpatrick Bank
431$73,054,000North Shore Bank of Commerce
432$72,629,000U. S. Century Bank
433$71,322,000Hardin County Savings Bank
434$70,399,000Webster Five Cents Savings Bank
435$70,312,000BankPlus
436$69,609,000Illinois Bank & Trust
437$69,448,000Bank of Sun Prairie
438$68,784,000Intrust Bank
439$68,525,000CNB Bank
440$68,257,000Opportunity Bank of Montana
441$67,850,000Colorado Federal Savings Bank
442$67,661,000Northwest Bank
443$67,406,000Exchange Bank
444$67,166,000Bryant Bank
445$66,942,000Fidelity Bank
446$66,565,000FirstBank Puerto Rico
447$65,940,000Northstar Bank
448$65,805,000Paramount Bank
449$65,494,000Texana Bank
450$65,040,000Wisconsin Bank & Trust
451$64,121,000Southern Bank and Trust Company
452$63,727,000Truxton Trust Company
453$63,519,000First Dakota National Bank
454$63,182,000Axos Bank
455$62,802,000The First National Bank of Fort Smith
456$62,361,000Cape Cod Co-operative Bank
457$62,346,000Rhinebeck Bank
458$62,325,000The Bank of Canton
459$62,072,000CIBM Bank
460$61,749,000Huntingdon Valley Bank
461$61,392,000Wilson Bank and Trust
462$60,641,000Horizon Bank
463$60,337,000First Federal Bank, A FSB
464$60,000,000Brentwood Bank
465$59,461,000MountainOne Bank
466$59,382,000Tri City National Bank
467$57,974,000Kitsap Bank
468$57,651,000The Park National Bank
469$54,025,000CorTrust Bank
470$53,865,000First Bank & Trust
471$53,302,000Magyar Bank
472$52,737,000FIRST COMMERCIAL BANK
473$52,557,000Kennebec Savings Bank
474$52,154,000Home Bank
475$51,929,000Guardian Savings Bank
476$51,829,000Shore United Bank, N.A.
477$51,309,000Austin Capital Bank SSB
478$50,830,000Citizens State Bank
479$50,440,000Susser Bank
480$50,409,000Bankers' Bank
481$50,258,000Bank of Utah
482$50,080,000Parkside Financial Bank & Trust
483$50,000,000Chesapeake Bank
483$50,000,000Iowa Trust & Savings Bank
483$50,000,000Lincoln Park Savings Bank
483$50,000,000TS Bank
487$48,664,000First PREMIER Bank
488$48,328,000St. Louis Bank
489$47,940,000Cache Valley Bank
490$47,373,000Ixonia Bank
491$47,228,000Mechanics Cooperative Bank
492$44,845,000Signature Bank
493$43,944,000Peoples Bank
494$43,572,000Uwharrie Bank
495$43,564,000The State Bank
496$43,549,000Access Bank
497$43,300,000Oriental Bank
498$43,221,000River Bank & Trust
499$43,064,000Machias Savings Bank
500$42,956,000State Bank of Cross Plains
501$42,497,000Peoples Bank of Alabama
502$41,650,000First Reliance Bank
503$41,351,000Community Bank of Mississippi
504$41,000,000Banesco USA
505$40,949,000Bank of Colorado
506$40,809,000Primis Bank
507$40,060,000Main Street Bank
508$40,000,00042 North Private Bank
508$40,000,000First US Bank
510$39,329,000Lake Area Bank
511$39,244,000Rocky Mountain Bank
512$38,721,000Bison State Bank
513$38,347,000Community First National Bank
514$38,283,000Flanagan State Bank
515$38,265,000Chickasaw Community Bank
516$37,745,000Arbor Bank
517$37,500,000Cenlar FSB
518$37,428,000Bank of Springfield
519$37,294,000Harvest Bank
520$37,200,000Cass Commercial Bank
521$36,609,000West Michigan Community Bank
522$35,795,000First Missouri State Bank of Cape County
523$35,771,000The First National Bank of Middle Tennessee
524$35,520,000Capital Community Bank
525$35,303,000Gate City Bank
526$34,881,000Red River Bank
527$34,729,000Old Missouri Bank
528$34,257,000Mascoma Bank
529$33,786,000The Fidelity Bank
530$33,602,000Southern First Bank
531$33,465,000FNCB Bank
532$33,061,000Passumpsic Savings Bank
533$32,840,000Landmark National Bank
534$31,801,000Home Loan Investment Bank, F.S.B.
535$31,490,000Peoples Bank and Trust Company
536$31,393,000The Farmers & Merchants Bank
537$31,356,000Oxford Bank
538$31,144,000Park State Bank
539$30,292,000Nicolet National Bank
540$30,152,0001st National Bank
541$30,000,000FNBC Bank
541$30,000,000Olympia Federal Savings and Loan Association
543$29,735,000Community National Bank
544$29,627,000Transportation Alliance Bank, Inc. d/b/a TAB Bank
545$29,129,000INB
546$28,862,000BOC Bank
547$28,689,000Central National Bank
548$28,200,000Four Corners Community Bank
549$27,781,000American Bank of Missouri
550$27,602,000The Old Point National Bank of Phoebus
550$27,602,000Village Bank
552$27,492,000Great Midwest Bank, S.S.B.
553$27,475,000Deerwood Bank
554$27,367,000Oakworth Capital Bank
555$27,211,000Choice Financial Group
556$27,045,000The Ohio Valley Bank Company
557$26,702,000Country Club Bank
558$26,490,000First State Bank of St. Charles, Missouri
559$25,809,000Academy Bank
560$25,524,000Fidelity Co-operative Bank
561$25,461,000WebBank
562$25,335,000Emigrant Bank
563$25,098,000Bank3
564$25,000,000First Federal Savings and Loan Association of Lorain
564$25,000,000Reading Co-operative Bank
566$24,907,000Cincinnati Federal
567$24,896,000Bravera Bank
568$24,731,000CIBC National Trust Company
569$24,675,000Bank of Little Rock
570$24,548,000First National Bank Alaska
571$24,255,000Hometown Bank
572$24,000,000Pennian Bank
573$23,900,000State Bank of Reeseville
574$23,657,000Prime Meridian Bank
575$23,600,000McHenry Savings Bank
576$23,471,000The First National Bank and Trust Company
577$23,445,000CFG Community Bank
578$23,442,000Allied First Bank,sb
579$23,425,000DeWitt Bank & Trust Co.
580$23,408,000Bank of Jackson Hole
581$23,272,000Brazos National Bank
582$23,035,000First United Bank
583$22,935,000United Bank
584$22,766,000Gold Coast Bank
585$22,500,000Crest Savings Bank
585$22,500,000Stifel Bank
587$22,485,000Citizens Bank of Las Cruces
588$22,478,000The First Bank
589$22,354,000Anderson Brothers Bank
590$22,008,000TexasBank
591$21,919,000American National Bank & Trust
592$21,276,000Pan American Bank & Trust
593$21,217,000Fortress Bank
594$21,000,000Synchrony Bank
595$20,824,000Southern Michigan Bank & Trust
596$20,745,000American Bank of Commerce
597$20,670,000Bank of New Hampshire
598$20,441,000First Federal Bank of Kansas City
599$20,108,000Security First Bank
600$20,019,000Washington County Bank
601$20,011,000Cattlemens Bank
602$20,000,000Atlantic Community Bankers Bank
602$20,000,000First Seacoast Bank
602$20,000,000The Bank of Glen Burnie
602$20,000,000The Juniata Valley Bank
602$20,000,000Unity Bank
607$19,973,000Triad Bank
608$19,847,000Cross Keys Bank
609$19,801,000Paragon Bank
610$19,744,000North State Bank
611$19,724,000D. L. Evans Bank
612$19,640,000TIB
613$19,260,000CedarStone Bank
614$19,094,000Waukesha State Bank
615$19,060,000The Cape Cod Five Cents Savings Bank
616$19,050,000Washington Financial Bank
617$19,000,000The First National Bank and Trust Co., Chickasha, Oklahoma
618$18,991,000Saratoga National Bank and Trust
619$18,592,000First State Bank and Trust Company, Inc.
620$18,558,000Citizens National Bank of Texas
621$18,545,000Blackhawk Bank
622$18,505,000The Union Bank Company
623$18,405,000Cross River Bank
624$18,356,000American National Bank and Trust Company
625$18,199,000RiverWood Bank
626$18,167,000First Security Bank
627$18,000,000Gouverneur Savings and Loan Association
628$17,723,000First Bank
629$17,471,000First State Bank
630$17,168,000Devon Bank
631$17,167,000Superior National Bank
632$17,163,000Frontier Bank
633$17,152,000BankWest, Inc.
634$17,026,000Bank Five Nine
635$17,013,000First State Bank of Uvalde
636$16,939,000United Community Bank
637$16,614,000Fidelity Bank
638$16,572,000Monona Bank
639$16,525,000The First State Bank
640$16,298,000Springs Valley Bank & Trust Company
641$16,285,000Signature Bank of Arkansas
642$15,955,000Wilson & Muir Bank & Trust Company
643$15,910,000Decorah Bank & Trust Company
644$15,797,000Enterprise Bank and Trust Company
645$15,625,000Bank of Tennessee
646$15,455,000First State Bank
647$15,341,000Mutual Federal Bank
648$15,050,000The Lyons National Bank
649$15,041,000Core Bank
650$15,000,000Fulton Savings Bank
650$15,000,000Grand Bank for Savings, FSB
650$15,000,000Northeast Bank
650$15,000,000The Bancorp Bank
654$14,837,000Mid-Missouri Bank
655$14,718,000The First Bank and Trust Company
656$14,717,000First State Bank
657$14,682,000Lincoln FSB of Nebraska
658$14,645,000Republic Bank
659$14,514,000CNB St Louis Bank
660$14,489,000Ulster Savings Bank
661$14,371,000Western State Bank
662$14,277,000Piermont Bank
663$14,250,000Legends Bank
664$14,075,000Pinnacle Bank - Wyoming
665$13,935,000City Bank & Trust Co.
666$13,909,000Ohio State Bank
667$13,650,000Institution for Savings in Newburyport and Its Vicinity
668$13,591,000Tompkins Community Bank
669$13,500,000First Bank
670$13,449,000Bank of Idaho
671$13,393,000Liberty Bank Minnesota
672$13,376,000Dieterich Bank
673$13,204,000Cattle Bank and Trust
674$13,088,000First Citizens Bank
675$13,046,000The Nodaway Valley Bank
676$13,027,000State Bank
677$12,972,000American Bank of Oklahoma
678$12,845,000South Central Bank, Inc.
679$12,800,000Dundee Bank
680$12,649,000Montgomery Bank
681$12,546,000Bank of Marin
682$12,476,000Farmers & Stockmens Bank
683$12,391,000Heritage Bank
684$12,341,000Patriot Bank
685$12,214,000West Town Bank & Trust
686$12,000,000Farmers State Bank of Calhan
687$11,968,000Mid-America Bank
688$11,948,000First Community Bank
689$11,730,000Community First Bank
690$11,714,000The Peoples State Bank
691$11,550,000Ocean Bank
692$11,311,000The National Bank of Indianapolis
693$11,176,000Northwest Bank of Rockford
694$11,137,000National Bank of Commerce
695$11,120,000Wayne Bank
696$11,078,000American Bank & Trust
697$11,065,000The Bank of Commerce
698$11,051,000Relyance Bank
699$11,014,000Pioneer Bank
700$10,973,000CBI Bank & Trust
701$10,913,000Envision Bank
702$10,906,000First Community Bank
703$10,858,000The Old Fort Banking Company
704$10,806,000First National Bank, Ames, Iowa
704$10,806,000Sabine State Bank and Trust Company
706$10,738,000First National Community Bank
707$10,659,000Bank of Washington
708$10,575,000VISIONBank
709$10,530,000Waterford Bank, N.A.
710$10,509,000American Federal Bank
711$10,409,000Triad Business Bank
712$10,288,000Idaho First Bank
713$10,215,000Guaranty Bank and Trust Company
714$10,148,000Inwood National Bank
715$10,036,000Frandsen Bank & Trust
716$10,021,000Midwest Bank
717$10,003,000Cashmere Valley Bank
718$10,000,000Ballston Spa National Bank
718$10,000,000Eastern Michigan Bank
718$10,000,000FNB Oxford Bank
718$10,000,000Intercredit Bank
718$10,000,000Mauch Chunk Trust Company
718$10,000,000Merchants & Farmers Bank & Trust Company
718$10,000,000Salisbury Bank and Trust Company
718$10,000,000The City National Bank of Metropolis
718$10,000,000West Alabama Bank & Trust
727$9,955,000Bank Independent
728$9,927,000Liberty Savings Bank, F.S.B.
729$9,919,000The Dime Bank
730$9,871,000STAR Financial Bank
731$9,735,000Wyoming Community Bank
732$9,689,000American Savings Bank, FSB
733$9,670,000Marine Bank
734$9,591,000CB&S Bank, Inc.
735$9,548,000Home State Bank
736$9,543,000Security Bank USA
737$9,483,000Community National Bank
738$9,381,000Hawthorn Bank
739$9,360,000FM Bank
740$9,049,000First Fed Bank
740$9,049,000First National Bank
742$9,027,000JD Bank
743$9,000,000Farmers Bank & Trust
744$8,750,000Capital Bank
745$8,719,000Denver Savings Bank
746$8,699,000Enterprise Bank
747$8,504,000Bruning Bank
748$8,415,000Blue Ridge Bank
749$8,390,000United Bank of Michigan
750$8,368,000Kirkwood Bank & Trust Co.
751$8,357,000First Westroads Bank, Inc.
752$8,352,000Cornerstone Bank
753$8,197,000The Farmers Bank
754$8,142,000Bank of Ann Arbor
755$8,105,000First Federal Savings Bank
756$8,099,000Bank of Travelers Rest
757$7,862,000Central Bank
758$7,822,000Bank First, N.A.
759$7,798,000Security State Bank & Trust
760$7,782,000Independent Bank
761$7,658,000Vermillion State Bank
762$7,656,000Hills Bank and Trust Company
763$7,654,000The Citizens National Bank of Bluffton
764$7,650,000TrailWest Bank
765$7,583,000The Shelby County State Bank
766$7,550,000First Community Bank
767$7,500,000Peach State Bank & Trust
768$7,477,000Home Federal Savings Bank
769$7,441,000Eagle Bank and Trust Company
770$7,425,000SouthStar Bank, S.S.B.
771$7,414,000The Torrington Savings Bank
772$7,406,000Fortifi Bank
773$7,376,000Great Plains National Bank
774$7,365,000Farmers and Merchants Bank of St. Clair
775$7,362,000Community First Bank of Indiana
776$7,353,000River Valley Community Bank
777$7,348,000Armstrong Bank
778$7,340,000Live Oak Banking Company
779$7,282,000Abbeville Building & Loan (A State-Chartered Savings Bank)
780$7,194,000Warsaw Federal Savings and Loan Association
781$7,184,000Dime Bank
782$7,141,000Bank of the Pacific
783$7,112,000Fidelity Bank & Trust
784$7,083,000Providence Bank & Trust
785$6,985,000American National Bank of Minnesota
786$6,972,000Dogwood State Bank
787$6,771,000Great North Bank
788$6,763,000First Community Bank
789$6,728,000HomeTown Bank
790$6,675,000Border Bank
791$6,638,000PeoplesBank, a Codorus Valley Company
792$6,635,000Axiom Bank
793$6,560,000Farmers and Merchants Trust Company of Chambersburg
794$6,544,000SAVIBANK
795$6,497,000First American Bank
796$6,451,000Trustar Bank
797$6,445,000Global Bank
798$6,401,000The Equitable Bank, S.S.B.
799$6,396,000First State Community Bank
800$6,376,000The First National Bank of Granbury
801$6,355,000Resource Bank
802$6,344,000Commerce State Bank
802$6,344,000Royal Business Bank
804$6,313,000Bluestone Bank
805$6,310,000SpiritBank
806$6,265,000Merchants & Planters' Bank
807$6,224,000The Farmers Bank, Frankfort, Indiana
808$6,175,000First Bank Chicago
809$6,061,000The Jacksboro National Bank
810$6,000,000Amalgamated Bank of Chicago
810$6,000,000Bessemer Trust Company
810$6,000,000Lake Shore Savings Bank
813$5,917,000Starion Bank
814$5,884,000CNB Bank and Trust, N.A.
815$5,848,000The First National Bank in Carlyle
816$5,836,000Oostburg State Bank
817$5,825,000First Vision Bank of Tennessee
818$5,763,000First Northern Bank of Wyoming
819$5,733,000Metro Bank
820$5,706,000Banterra Bank
821$5,661,000Peoples State Bank
822$5,618,000Cornerstone National Bank & Trust Company
823$5,604,000Equitable Bank
824$5,593,000Community Bank
825$5,513,000Manufacturers Bank & Trust Company
826$5,510,000Jackson County Bank
827$5,495,000Peoples Bank
828$5,432,0001st State Bank
829$5,396,000Focus Bank
830$5,383,000Citizens Bank
831$5,376,000Jefferson Bank
832$5,352,000Edmonton State Bank
833$5,304,000EAGLE.bank
834$5,272,000Norway Savings Bank
835$5,229,000American State Bank
836$5,188,000Troy Bank & Trust Company
837$5,180,000First Liberty Bank
838$5,105,000First State Bank
839$5,095,000Quail Creek Bank
840$5,000,000First National Bank of Kansas
840$5,000,000Royal Banks of Missouri
840$5,000,000The Bennington State Bank
843$4,998,000FCB Banks
844$4,928,000Jersey Shore State Bank
845$4,917,000HNB First Bank
846$4,900,000Herring Bank
847$4,890,000RiverHills Bank
848$4,888,000Citizens National Bank, N.A.
849$4,832,000Bank OZK
850$4,810,000Citizens State Bank of Waverly, Inc.
851$4,789,000Winchester Savings Bank
852$4,751,000PriorityOne Bank
853$4,722,000Community Resource Bank
854$4,712,000State Bank of Southwest Missouri
855$4,670,000The Port Washington State Bank
856$4,654,000Southwest Bank
857$4,632,000First National Bank of Gillette
858$4,627,000Guadalupe Bank
859$4,624,000Peoples National Bank , N.A.
860$4,613,000Dallas Capital Bank
861$4,592,000American Heritage Bank
862$4,573,000Ohnward Bank & Trust
863$4,484,000Forest Park National Bank and Trust Company
864$4,471,000Availa Bank
865$4,440,000First National Bank of Brookfield
866$4,420,000SouthTrust Bank, N.A.
867$4,250,000First State Bank & Trust Company
868$4,192,000First State Bank
869$4,191,000First Federal Savings Bank of Twin Falls
870$4,180,000FirstBank Southwest
871$4,152,000Bank of Hays
872$4,093,000Farmers State Bank
873$4,088,000Byron Bank
874$4,060,000Citizens State Bank of Roseau
875$4,053,000Blue Ridge Bank
876$4,032,000The State Bank of Faribault
877$4,027,000City State Bank
878$4,000,000Texas Heritage Bank
878$4,000,000The Fidelity Deposit and Discount Bank
880$3,988,000Citizens Bank & Trust Company of Vivian, Louisiana
881$3,987,000The Bank of Forest
882$3,922,000Citizens Bank of Kansas
883$3,876,000First National Bank
884$3,846,000Vision Bank
885$3,749,000Chambers Bank
886$3,745,000Mountain View Bank of Commerce
887$3,694,000Grundy Bank
888$3,685,000Community National Bank
889$3,672,000American Bank
890$3,661,000McClain Bank
891$3,650,000Goodfield State Bank
892$3,645,000BankVista
893$3,603,000Bank of the Flint Hills
894$3,592,000Luana Savings Bank
895$3,540,000Alliant Bank
895$3,540,000Isabella Bank
897$3,506,000The Gunnison Bank and Trust Company
898$3,471,000Northview Bank
899$3,457,000First Bankers Trust Company
900$3,407,000Somerset Trust Company
901$3,403,000Legacy Bank
902$3,400,000Mid America Bank
903$3,370,000WNB FINANCIAL, N.A.
904$3,356,000First State Bank
905$3,324,000De Witt Savings Bank
906$3,322,000First Midwest Bank of the Ozarks
906$3,322,000SULLIVAN BANK
908$3,318,000NBC OKLAHOMA
909$3,259,000BankFirst
910$3,227,000HomeTrust Bank
911$3,225,000Platte Valley Bank
912$3,190,000Grand River Bank
913$3,185,000Alliance Bank
914$3,152,000Madison County Bank
915$3,148,000Palmetto State Bank
916$3,141,000Century Bank and Trust
917$3,138,000Farmers Bank & Trust Company
918$3,133,000First Midwest Bank of Dexter
919$3,132,000Premier Bank
920$3,121,000First Bank Elk River
921$3,107,000First Federal Savings Bank of Champaign Urbana
922$3,099,000The Honesdale National Bank
923$3,094,000Bank of Abbeville & Trust Company
924$3,093,000First Federal Bank
925$3,047,000First Central State Bank
926$3,031,000Bank of Franklin County
927$3,029,000Woodsville Guaranty Savings Bank
928$3,024,000First Oklahoma Bank
929$3,013,000State Savings Bank
930$2,990,000Farmers Savings Bank
931$2,947,000Community Savings Bank
932$2,943,000The First National Bank of Moose Lake
933$2,916,000FirstCapital Bank of Texas
934$2,887,000Bath Savings Institution
935$2,853,000Citizens Bank of Ada
936$2,807,000The Bippus State Bank
937$2,800,000Central Savings Bank
938$2,796,000Legends Bank
939$2,785,000Citizens State Bank of Loyal
940$2,777,000People's Bank of Seneca
941$2,770,000Guaranty Bank & Trust, N.A.
942$2,759,000Security National Bank of Omaha
943$2,746,000United Bank of Iowa
944$2,730,000Middletown Valley Bank
945$2,721,000State Savings Bank
946$2,690,000BankIowa
947$2,684,000The Roscoe State Bank
948$2,616,000Commercial Bank & Trust Co.
949$2,610,000International Bank of Commerce
950$2,606,000Lee Bank
951$2,600,000Badger Bank
952$2,587,000Timberland Bank
953$2,527,000Iowa Savings Bank
954$2,511,000TriStar Bank
955$2,411,000First Community Bank
956$2,380,000Ennis State Bank
957$2,366,000United Community Bank
958$2,362,000Heritage Community Bank
959$2,345,000First Federal Bank
960$2,344,000Hiawatha National Bank
961$2,342,000Marion County State Bank
962$2,334,000F & M Bank
963$2,329,000FORTE BANK
964$2,314,000Sauk Valley Bank & Trust Company
965$2,280,000The Fairfield National Bank
966$2,277,000Woodland Bank
967$2,252,000The First National Bank of Bemidji
968$2,247,000Woodlands National Bank
969$2,236,000Nebraska Bank of Commerce
970$2,216,000Waumandee State Bank
971$2,200,000The Bank of Clarendon
972$2,135,000AbbyBank
973$2,133,000Bank Forward
973$2,133,000Citizens State Bank
975$2,119,000Reliance Bank
976$2,110,000Progressive Bank
977$2,107,000Citizens Community Federal
978$2,087,000TBK BANK, SSB
978$2,087,000The Citizens National Bank of Meridian
980$2,067,000First Nebraska Bank
981$2,061,000Old Dominion National Bank
982$2,059,000FirstBank of Nebraska
983$2,047,000Anchor D Bank
984$2,046,000Lake Elmo Bank
985$2,039,000Citizens Community Bank
986$2,038,000Mechanics Bank
987$2,029,000Eagle Bank
988$2,017,000Platte Valley Bank
989$2,000,000North Valley Bank
990$1,974,000Heritage Bank of the Ozarks
991$1,955,000Norwood Co-operative Bank
992$1,931,000First Farmers & Merchants Bank
993$1,916,000Riverside Savings Bank, SSB
994$1,903,000Bank of Wisconsin Dells
995$1,895,000Provident State Bank, Inc.
996$1,892,000American Business Bank
997$1,885,000Sentry Bank
998$1,883,000Pine Country Bank
999$1,829,000Pinnacle Bank
1000$1,826,000The First National Bank of River Falls
1001$1,823,000American State Bank & Trust Company of Williston
1001$1,823,000DMB Community Bank
1003$1,800,000West Plains Bank and Trust Company
1004$1,736,000First Whitney Bank and Trust
1005$1,734,000The Western State Bank
1006$1,723,000Citizens Bank
1007$1,716,000First National Bank of Pulaski
1008$1,715,000Homeland Community Bank
1009$1,709,000Think Mutual Bank
1010$1,627,000Bank of Eastern Oregon
1011$1,606,000Hometown Bank
1012$1,604,000Community Trust Bank, Inc.
1013$1,600,000The Savings Bank
1014$1,594,000Citizens Bank Minnesota
1015$1,590,000Horicon Bank
1016$1,587,000County Bank
1017$1,583,000Sunrise Banks
1018$1,581,000Farmers & Merchants State Bank
1019$1,579,000Valley Bank of Ronan
1020$1,564,000CUSB Bank
1021$1,557,000The Bank of Denver
1021$1,557,000WOODTRUST BANK
1023$1,555,000Great American Bank
1024$1,553,000South Story Bank & Trust
1025$1,550,000Osgood Bank
1025$1,550,000Security Savings Bank
1027$1,549,000Foresight Bank
1028$1,526,000Southern Heritage Bank
1029$1,521,000LifeStore Bank
1030$1,513,000GNBank
1031$1,509,000CenterBank
1032$1,508,000Phelps County Bank
1033$1,500,000Bank of Monticello
1034$1,495,000First Southern State Bank
1035$1,492,000Union State Bank
1036$1,488,000Settlers Bank
1037$1,442,000American Bank and Trust Company
1038$1,434,000Central State Bank
1039$1,432,000Bank of Deerfield
1040$1,431,000American Bank of Beaver Dam
1041$1,428,000Royal Bank
1042$1,426,000Commercial Bank
1043$1,417,000Lake Central Bank
1044$1,406,000Hilltop National Bank
1045$1,393,000Exchange Bank
1046$1,378,000Home Bank and Trust Company
1047$1,375,000Bloomsdale Bank
1048$1,364,000First New Mexico Bank, Las Cruces
1049$1,355,000Southwest Missouri Bank
1050$1,352,000Five Star Bank
1051$1,344,000Reliance Savings Bank
1052$1,336,000Farmers Savings Bank
1053$1,319,000BNA Bank
1054$1,300,000The Peoples Community Bank
1055$1,288,000Elkhorn Valley Bank & Trust
1056$1,257,000WCF Financial Bank
1057$1,252,000South Louisiana Bank
1058$1,247,000PremierBank
1059$1,238,000The Hershey State Bank
1060$1,217,000Bank of The Rockies
1061$1,211,000Home Federal Savings and Loan Association of Grand Island
1061$1,211,000Peoples Trust Company of St. Albans
1063$1,210,000Exchange Bank and Trust Company, Natchitoches, Louisiana
1064$1,202,000United Bank of Union
1065$1,159,000Collins State Bank
1066$1,148,000Community State Bank of Rock Falls
1067$1,142,000HomeBank
1068$1,130,000Grand Rapids State Bank
1069$1,124,000Security First Bank of North Dakota
1070$1,120,000Alliance Bank
1070$1,120,000First Bank Richmond
1072$1,106,000ESB Financial
1073$1,099,000Elysian Bank
1074$1,088,000United Valley Bank
1075$1,084,000Apple River State Bank
1076$1,081,000First Security Bank and Trust Company
1077$1,073,000Bank of Milton
1078$1,064,000Southern Bank
1079$1,061,000Sound Community Bank
1080$1,043,000Central Bank Illinois
1081$1,036,000Profinium, Inc.
1082$1,026,000The City National Bank of Sulphur Springs
1083$1,021,000Austin Bank, Texas
1084$1,018,000Farmers Savings Bank
1085$1,010,000Mound City Bank
1086$1,000,000First National Bank in Okeene
1087$988,000Wells Bank
1088$979,000The Citizens Bank
1089$964,000Frontier Bank
1090$963,000TruCommunity Bank
1091$958,000StonehamBank, A Co-operative Bank
1092$948,000North Dallas Bank & Trust Co.
1093$945,000Wolf River Community Bank
1094$944,000Arcadian Bank
1095$940,000Hoosier Heartland State Bank
1096$935,000Citizens Alliance Bank
1097$933,000Vantage Bank
1098$921,000Marquette Bank
1098$921,000The American National Bank of Texas
1100$898,000Concordia Bank & Trust Company
1101$892,000Citizens First Bank
1102$890,000LincolnWay Community Bank
1103$880,000Citizens Tri-County Bank
1104$879,000Farmers Trust and Savings Bank
1105$861,000CNB Bank, Inc.
1106$844,000First State Bank of Middlebury
1107$840,000Premier Bank Rochester
1108$835,000Field & Main Bank
1109$833,000Farmers State Bank
1110$831,000BANKWEST
1111$821,000Harmony Bank
1112$815,000Charter Bank
1113$795,000NSB Bank
1114$789,000Woodford State Bank
1115$784,000Bank of Lake Mills
1116$783,000Sycamore Bank
1117$780,000First State Bank
1118$761,000First Robinson Savings Bank
1119$756,000Denmark State Bank
1120$755,000First Citizens State Bank
1121$749,000Lea County State Bank
1122$744,000Community Partners Savings Bank
1123$730,000Flagship Bank Minnesota
1124$724,000Iowa State Bank
1125$721,000Citizens State Bank
1125$721,000Sterling State Bank
1127$710,000Citizens Bank
1128$709,000Farmers State Bank
1129$694,000Village Bank
1130$687,000Cornerstone Community Bank
1130$687,000Two Rivers Bank & Trust
1132$680,000Premier Bank
1133$675,000Security State Bank of Kenyon
1134$654,000Ridgewood Savings Bank
1135$651,000Builtwell Bank
1136$650,000River Bank
1137$649,000Park Bank
1138$641,000F&M Bank
1139$640,000Municipal Trust and Savings Bank
1140$638,000First Keystone Community Bank
1141$637,0001st United Bank
1142$618,000First Bank, Upper Michigan
1143$615,000Rayne Building and Loan Association
1144$605,000City Bank & Trust Co.
1144$605,000First Community Bank
1146$602,000First State Bank of DeKalb County
1147$598,000Custer Federal State Bank
1147$598,000Exchange State Bank
1149$593,000The Peoples Bank
1150$591,000The Farmers State Bank of Westmoreland
1151$590,000GNB Bank
1152$572,000Union State Bank
1153$566,000Ozark Bank
1154$565,000Security Bank
1155$560,000Greenville National Bank
1156$558,000Union State Bank
1157$552,000ProGrowth Bank
1158$540,000TruBank
1159$531,000The Bank of Elk River
1160$524,000First State Bank
1161$519,000CBBC Bank
1162$515,000Lake Region Bank
1163$510,000North Shore Bank, a Co-operative Bank
1164$503,000Halstead Bank
1165$500,000First Northern Bank of Dixon
1165$500,000First State Bank
1167$499,000Dean Co-operative Bank
1168$496,000Westbury Bank
1169$495,000Union State Bank of Hazen
1170$488,000The National Bank of Blacksburg
1171$487,000First Independence Bank
1172$485,000Heritage Bank
1172$485,000Peoples Savings Bank of Rhineland
1174$484,000Federation Bank
1174$484,000South Ottumwa Savings Bank
1176$477,000First National Bank in Olney
1177$475,000Grant County Bank
1178$470,000FreedomBank
1179$458,000United Citizens Bank of Southern Kentucky
1180$454,000Chelsea Groton Bank
1181$444,000State Bank & Trust Co.
1182$404,000Security Federal Savings Bank of McMinnville
1183$396,000National Exchange Bank and Trust
1184$395,000The Miners State Bank
1185$392,000Lyons Federal Bank
1186$390,000Bellevue State Bank
1187$388,000Bridge Community Bank
1188$374,000Commercial Trust Company of Fayette
1189$370,000First Missouri State Bank
1189$370,000Leighton State Bank
1191$365,000PEOPLES BANK OF MIDDLE TENNESSEE
1191$365,000The Clinton National Bank
1193$362,000Territorial Savings Bank
1194$352,000Guthrie County State Bank
1195$350,000MRV Banks
1196$344,000Raccoon Valley Bank
1197$340,000The First National Bank of Pandora
1198$321,000The Citizens Bank
1199$319,000Chesapeake Bank of Maryland
1200$318,000Citizens State Bank Norwood Young America
1201$316,000Farmers and Merchants Union Bank
1202$308,000Reliance State Bank
1203$306,000Cleveland State Bank
1204$304,000Third Coast Bank, SSB
1205$291,000Golden Belt Bank, FSA
1206$290,000Citizens Community Bank
1207$287,000First State Bank and Trust
1208$285,000Mercer Savings Bank
1208$285,000Town & Country Bank
1210$282,000Interaudi Bank
1211$280,000First New Mexico Bank of Silver City
1212$273,000Patriots Bank
1213$256,000First Farmers & Merchants National Bank
1214$250,000Merchants & Farmers Bank of Greene County, Alabama
1215$243,000Security Bank of Pulaski County
1216$242,000Connecticut Community Bank
1217$240,000First National Bank in New Bremen
1218$223,000Peoples Savings Bank
1219$221,000Premier Bank
1220$217,000Farmers State Bank of Alto Pass, Ill.
1221$212,000Milford Federal Bank
1222$210,000Cornerstone State Bank
1223$200,000North American Banking Company
1224$192,000Citizens Bank of Rogersville
1225$188,000Capitol Bank
1226$176,000Success Bank
1227$174,000Woodlands Bank
1228$172,000People's Bank and Trust Company of Pickett County
1229$171,000Bank of Luxemburg
1229$171,000The Stephenson National Bank and Trust
1231$170,000The Union Bank
1232$153,000State Bank of Graymont
1233$150,000Bank of Prairie du Sac
1233$150,000Connections Bank
1235$147,000The National Bank of Middlebury
1236$138,000Midwest Heritage Bank, FSB
1237$128,000Farmers State Bank
1238$112,000The Harvard State Bank
1239$106,000Savings Bank of Mendocino County
1240$87,000Spring Valley City Bank
1241$78,000Marathon Bank
1242$76,000Home State Bank
1243$64,000Coulee Bank
1244$62,000Green Belt Bank & Trust
1245$54,000Consumers National Bank
1246$14,000The Citizens State Bank
1247$9,000Citizens First Bank
1247$9,000Keystone Savings Bank
1249$6,000Century Bank and Trust
1249$6,000Peoples Bank and Trust Company
1251$4,000Holcomb Bank
1252$1,000Peoples Exchange Bank
1253$01st Advantage Bank
1253$01st Bank in Hominy
1253$01st Bank of Sea Isle City

You can verify these numbers through the Office of the Comptroller of the Currency (Page 18) HERE

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All Tariffs To Remain In Place ✋️

🇺🇸 President Trump imposes 10% global tariff on all countries and says all tariffs will remain in place, despite Supreme Court ruling.

00:00:28
🚨10% GLOBAL TARIFF🚨

"Effective immediately, all National Security TARIFFS, Section 232 and existing Section 301 TARIFFS, remain in place, and in full force and effect. Today I will sign an Order to impose a 10% GLOBAL TARIFF, under Section 122, over and above our normal TARIFFS already being charged..."

  • President Donald J. Trump
00:01:30
How Our Reality Is Manifested ✨️ In An Easy To Understand Clip

Filmmaker David Lynch's Diagram for Transcendental Consciousness is one of the greatest, easiest to understand explanations for how our reality is made of MIND first, MATTER second.

I promise this is genuinely worth your time.

It's fantastic. 💯

Learn to meditate free here:
https://heartfulness.org/us/

00:14:55
👉 Coinbase just launched an AI agent for Crypto Trading

Custom AI assistants that print money in your sleep? 🔜

The future of Crypto x AI is about to go crazy.

👉 Here’s what you need to know:

💠 'Based Agent' enables creation of custom AI agents
💠 Users set up personalized agents in < 3 minutes
💠 Equipped w/ crypto wallet and on-chain functions
💠 Capable of completing trades, swaps, and staking
💠 Integrates with Coinbase’s SDK, OpenAI, & Replit

👉 What this means for the future of Crypto:

1. Open Access: Democratized access to advanced trading
2. Automated Txns: Complex trades + streamlined on-chain activity
3. AI Dominance: Est ~80% of crypto 👉txns done by AI agents by 2025

🚨 I personally wouldn't bet against Brian Armstrong and Jesse Pollak.

👉 Coinbase just launched an AI agent for Crypto Trading
👀 XRP, The Simpsons, 1994 The Man Who Put It All Together 🚀

0:00​ XRP and The Simpsons Plus The Rising Phoenix

2:45​ Dr. Coleman Exposes The Entire System In 1994!

17:40​ Gematria With ISO and Ripple Plus Biblical Significance

25:17​ The Significance of The Original Ripple Logo

28:07​ Institut Montaigne Document Highlights Ripple
.
30:35​ Chatham House Significance Plus Meld Gold and The XRPL
37:32​ Carney and Georgieva of The IMF Speak On The Global Economy
41:49​ The Story of The Committee of 300 Document
44:58​ HSBC and Credit Suisse Significance Plus Otto B and Ripple
49:36​ The Significance of SIGINT Plus Jed McCaleb VAST Quant and Elon
56:09​ Closing Comments

⚠️ Gold reclaims $5,100

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Your nervous system is not a machine; it is a symphony that has been played out of tune for decades.

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🧬VINDICATED! The Epstein Files Connect Gates, Pandemics & Censorship to a Globalist Blueprint for a Biosecurity State🧬

Every warning. Every documentary. Every article. Every post that got us banned. All of it was true. Now what? What can we do? Read on, share this Substack, help us save lives! The Light is shining! ✨

Well, well, well… look what the cat dragged in.

Actually, scratch that. Look what the Department of Justice finally dragged out of Jeffrey Epstein’s email inbox and dumped on the world’s doorstep like a rotting corpse nobody wanted to claim. Yep, that’s right. The Epstein files. It’s hilarious how the “Democratic hoax” and “fantasy” client list we were all told didn’t exist suddenly became a very real, very unsealed document.

For years—years—they called us conspiracy theorists. They slapped “misinformation” labels on our posts faster than Pfizer could print liability waivers. They kicked us off platforms, lied about us in the media, and shadow-banned our reach. Meanwhile, the real conspiracy—the one typed out in black-and-white emails between billionaires, bankers, and a convicted pedophile—was sitting in a government vault, waiting to prove us right.

And now? Now the receipts are public.

The release of Jeffrey Epstein’s files has done far more than expose a network of elite pedophilia and blackmail—it has vindicated truth-tellers like us and countless others who were smeared, censored, de-platformed, and persecuted for warning about the sinister agendas of the globalist elite. The documents reveal shocking connections between Epstein, Bill Gates, pandemic planning, and the systematic suppression of anyone who dared to connect the dots.

We weren’t crazy. We were just early. And they hated us for it.

Epstein, Gates, and the Pandemic “Business Model” They Built Together

One of the most damning revelations from Epstein’s files is his partnership with Bill Gates. Forget the carefully crafted PR spin about “regretting” those meetings. These weren’t casual dinners. These were planning sessions.

Back in 2015, Gates and Epstein exchanged emails about “preparing for pandemics” and strategies to “involve the WHO.” Gates wrote: I hope we can pull this off.”

How’s that for a chill down your spine?

This eerily foreshadowed the 2019 Event 201 simulation—a pandemic exercise hosted by the Gates Foundation, Johns Hopkins, and the World Economic Forum that just happened to model a global coronavirus outbreak… just months before COVID-19 ”mysteriously” emerged in Wuhan. Funny how that works, isn’t it?

But let’s rewind even further, to the real blueprint—the financial architecture that made the pandemic response not just possible, but profitable.

The story crystallizes in a chilling 2011 email exchangeJuliet Pullis, a JPMorgan executive under then-chairman Jes Staley, emailed Jeffrey Epstein with a list of detailed questions. The source? “The JPM team that is putting together some ideas for Gates.

The questions were precise: What are the objectives? Is anonymity key? Who directs the investments and grants? This wasn’t JPMorgan consulting an expert; it was a trillion-dollar bank asking a convicted felon to architect a billion-dollar philanthropic fund for Bill Gates.

This wasn’t JPMorgan consulting a philanthropic expert. This was a trillion-dollar bank asking a convicted felon to architect a billion-dollar philanthropic fund for one of the richest men on Earth. Let that marinate for a moment.

Epstein’s reply was fluent and commanding. He described a donor-advised fund with a “stellar board” and ties to the Gates-Buffett “Giving Pledge.” He noted the billions already pledged and identified the gap: “They all have a tax advisor, but have no real clue on how to give it away.” His solution? JPM would be an integral part. Not advisor… operator, compliance. Staley’s response: We need to talk.

By July 2011, the plan evolved. In an email to Staley, copying Boris Nikolic (Gates’ chief science advisor), Epstein laid out the core pitch: A silo based proposal that will get Bill more money for vaccines.”

Not “more research for pandemics.” Not “better public health infrastructure.” More money for vaccines.” This is the unambiguous language of capital formation, not charity. It reveals the structure’s intended output planning reached the highest levels.

In August 2011, Mary Erdoes, CEO of JPMorgan’s $2+ trillion Asset & Wealth Management division, emailed Epstein (while on vacation) with additional operational questions.

Epstein’s reply was breathtaking in scope:

  • Scale: “Billions of dollars” in two years, “tens of billions by year 4.”

  • Structure: Donors choose from “silos” like mutual funds.

  • The Kicker: However, we should be ready with an offshore arm — especially for vaccines.”

An offshore arm. For vaccines. For a charitable vehicle. Let that sink in.

So, by the time the world was panicking in March 2020, the financial machinery was already built. The investment vehicles, the donor-advised funds, the reinsurance products at places like Swiss Re, and even the simulation playbooks were dusted off and ready to go.

The pandemic wasn’t an interruption to their business—it was the Grand Opening.

Epstein’s role extended far beyond trafficking; he was a facilitator and blackmail operative for the global elite. The same forces that orchestrated the COVID-19 power grab—the mask mandates, lockdowns, censorship, and coercive mRNA push—are the ones who silenced critics like us.

Gates, despite his documented ties to Epstein (multiple flights on the “Lolita Express” after Epstein’s 2008 conviction), walks freely. He’s on TV. He’s advising governments. He’s still funding “global health initiatives” and pushing digital IDs, vaccine passports, and climate lockdowns.

Meanwhile, people like our friend, Joby Weeks, are under house arrest without charges, and voices like ours were de-platformed, demonetized, and destroyed for saying this very thing.

We told you. You knew it in your gut. Now you have the emails.

Censorship: The Elite’s “Misinformation” Label to Cover Their Crimes

The Epstein files expose not just criminal behavior, but the playbook for the systematic suppression of truth. While Epstein’s powerful friends were being protected by the FBI, the DOJ, and the media, platforms like Facebook (Meta), YouTube (Google), and Twitter went to war against anyone talking about it.

Think about the sheer audacity.

We were banned from social media for calling COVID-19 a “fake pandemic” and exposing the vaccine injury data that’s now undeniable.

Below is a screenshot of the first Facebook post that was taken down and then used as “Exhibit A” in their “reports” about how bad we were, naming us the 3rd most dangerous people on earth after Dr Joseph Mercola and Bobby Kennedy in the digital hit list they called the “Disinformation Dozen.” They attacked us, lied about us, and pressured the media, social media, and population at large to do the same: attack, threaten, and cast us out.

We were labeled “dangerous” for sharing emails, documents, and research that the DOJ and the CDC have now confirmed.

It was never about “safety.” It was about narrative control.

The same institutions that turned a blind eye to Epstein’s crimes for decades—the same ones that let him “commit suicide” in a maximum-security prison with cameras conveniently malfunctioning—suddenly became the ruthless hall monitors of “acceptable discourse,” ensuring only their approved stories could be told.

Big Tech, Big Media, and Big Government are all part of the same protection racket. They shielded Epstein’s client list, and now they shield the architects of the pandemic debacle. Independent journalists, researchers, and health advocates like us, who connected these dots, were systematically de-platformed, demonetized, and destroyed.

Why? Because we were right, and that was the greatest threat of all.

When you’re over the target, that’s when the flak gets heaviest. And brothers and sisters, we were getting shelled.

They Lied About Us While Protecting the Real Criminals

Let’s be crystal clear about what happened here.

We have spent decades exposing the cancer industry, Big Pharma’s corruption, and the suppression of natural health solutions. We produced The Truth About Cancer docu-series, reaching millions worldwide. We warned about vaccine injuries, censorship, and the coming medical tyranny years before COVID-19.

And what did they do? They called us “Conspiracy Theorists,” “Anti-Vaxxers,” and “Killers.” Dangerous.

They said we were killing people with “misinformation.”

Facebook banned us. YouTube deleted our videos. Legacy media ran hit pieces. PayPal froze our accounts.

All while Bill Gates—a man with documented ties to Jeffrey Epstein, who flew on his plane multiple times after Epstein’s conviction, who got STDs from Russian girls Epstein provided for him for which Gates asked Epstein’s help getting him antibiotics to slip secretly to his then wife, Melinda, so that she would not know about his inexcusable and perverted escapades—yes, THAT Bill Gates—was at the same time, being platformed on every major news network as the world’s health oracle.

All while Anthony Fauci—who funded gain-of-function research in Wuhan through Peter Daszak and EcoHealth Alliance, who lied under oath to Congress, who flip-flopped on masks, lockdowns, and vaccines—was treated like a saint. Time Magazine’s “Guardian of the Year.”

All while Pfizer—a company with a $2.3 billion criminal fine for fraudulent marketing, bribery, and kickbacks—was given blanket immunity from liability and billions in taxpayer dollars to produce a vaccine in record time with no long-term safety data.

Were we the dangerous ones?

No.

We were the truthful ones. And that made us the enemy.

The Weaponized Institutions: From Epstein’s Blackmail to Your Digital ID

Epstein’s operation was never just about blackmail for perversion; it was blackmail for control. The files show his cozy ties to intelligence agencies (Mossad, CIA), financial giants like JPMorgan and Deutsche Bank, and political leaders across the globe.

This is the same cabal now pushing:

  • The Great Reset

  • Digital IDs

  • Central Bank Digital Currencies (CBDCs)

  • 15-minute cities

  • Carbon credit social scoring

  • Vaccine passports

Let’s connect the dots they desperately don’t want you to see:

Financial Control:

JPMorgan banked Epstein for years despite clear red flags—over $1 billion in suspicious transactions flagged internally and ignored. They knew. They didn’t care. They paid a $290 million fine and moved on.

Now, banks like Bank of America, Chase, and PayPal de-bank conservatives, truckers, health freedom advocates, and anyone who questions the narrative. Canadian truckers. Gun shops. Crypto entrepreneurs. The goal is the same: punish dissent and control economic life.

CBDCs are the endgame—a digital leash on every citizen. Programmable money that can be turned off, restricted, or expired. Social credit by another name.

Medical Tyranny:

The FDA, CDC, and WHO—utterly captured by Big Pharma—lied about:

  • COVID origins (Wuhan lab leak dismissed as conspiracy theory)

  • Vaccine efficacy (”95% effective” turned into “you need boosters forever”)

  • Natural immunity (ignored despite being superior)

  • Early treatments (ivermectin, hydroxychloroquine, vitamin D censored and mocked)

They attacked natural health advocates just as they’ve done for decades with cancer cures, detox protocols, and anything that threatens Big Pharma profits. They are not health agencies; they are profit-enforcement arms dressed in lab coats.

Political Corruption:

Epstein’s blackmail ensured elite immunity. His client list includes presidents, princes, CEOs, scientists, and media moguls.

Meanwhile, true dissidents—Julian Assange (tortured in prison for journalism), Edward Snowden (exiled for exposing mass surveillance), and journalists like us—face persecution, imprisonment, debanking, slanderous hit pieces, and/or constant character assassination.

Two systems of justice: one for them, one for you. One for Epstein’s friends, one for truth-tellers.

The Way Forward: They’re Exposed. Now It’s Time to Build.

The Epstein files are more than proof; they are a declaration that the system is rotten to its core. But here’s the beautiful part: they vindicate us completely.

Every warning. Every documentary. Every article. Every post that got us banned. All of it was true.

The globalists’ grip is weakening. The truth—the real, ugly, documented truth—is erupting from the very files they tried to hide. They labeled us liars, but the emails show they were the architects. They silenced us, they censored us, but that only made our voices more necessary.

Epstein did not kill himself. COVID-19 was not natural. The vaccines were not safe or effective. The censorship was not about protecting you—it was about protecting them.

And now? Now it’s time to use this vindication as fuel. Not for revenge, but for revolution. A revolution of truth, health, freedom, and justice.

They tried to bury us. They didn’t know we were seeds.

The Epstein files are a smoking gun. A paper trail. A confession written in emails, financial structures, and offshore accounts.

They prove what we’ve been saying all along:

  • The system is rigged.

  • The elites are criminals.

  • The pandemic was planned.

  • The censorship was coordinated.

And we were right. 👍

Source

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💳Citi’s Strategy to Dominate Institutional Payments💳

Citi's Institutional Payments Strategy

Citi’s Strategy to Dominate Institutional Payments is built on a foundation of technological innovation, strategic simplification, and a laser focus on institutional clients. The bank has transitioned from a fragmented global retail bank to a streamlined provider of high-margin institutional services, with its Treasury and Trade Solutions (TTS) and Securities Services segments now considered its "crown jewel." This shift, led by CEO Jane Fraser, involved exiting 14 international consumer markets and slashing decades of "tech debt" through a multi-billion-dollar partnership with **Google Cloud**, creating a modern, unified data and cloud infrastructure.

At the core of Citi’s dominance in institutional payments is Citi Token Services, a blockchain-powered platform launched in September 2023. This service converts client deposits into digital tokens, enabling 24/7, real-time cross-border payments, automated trade finance, and just-in-time liquidity management. By using private blockchain technology managed entirely by Citi, clients avoid the need to host their own nodes. The solution has been successfully piloted with Maersk and a canal authority, demonstrating how smart contracts can reduce transaction times from days to minutes—mirroring the functions of traditional bank guarantees and letters of credit.

Citi is further strengthening its position through strategic partnerships, such as its collaboration with Coinbase to expand digital asset payment solutions for institutional clients, enabling seamless fiat-to-crypto transitions. The bank is also leveraging generative AI to automate regulatory compliance, improve cash forecasting by 50%, and reduce operational case times by 90%, directly enhancing the efficiency and reliability of its payment services.

With a global network spanning 95 countries and a focus on real-time, transparent, and programmable financial services, Citi is redefining the institutional payments landscape. Its strategy—centered on infrastructure modernization, digital asset innovation, and client-centric automation—positions it to capture market share from both traditional banks and fintechs, particularly as cross-border instant payments become the norm by 2028.

As blockchain infrastructure inches closer to the core of global finance, a consequential debate is taking shape inside banks and among institutional investors.

What form of digital money will ultimately dominate on-chain settlement?

Stablecoins have so far captured the spotlight, buoyed by rapid adoption and growing regulatory attention. But a different shift is underway inside the banking sector, where executives are increasingly confident that tokenized bank deposits, and not privately issued stablecoins, could become the preferred on-chain dollar for institutional and wholesale use.

“We don’t start with the asset,” Biswarup Chatterjee, global head of partnerships and innovation, Citi Services at Citi, told PYMNTS. “We typically start with our client need, and then we look at the pros and cons of each type of asset or financing instrument.”

For institutional money, innovation can often begin with constraint.

“When you’re dealing with money as a financial institution, you’re acting in a fiduciary capacity,” Chatterjee said, framing why safety and soundness dominate early conversations with clients.

From that perspective, the critical questions around new digital instruments are regulatory and operational before they are technological. Are these assets well-regulated? Do they operate within clearly defined legal frameworks? Can they be governed with the same rigor as traditional deposits or securities?

For institutions that manage systemic liquidity, and their clients, those questions are becoming non-negotiable. Within that context, tokenized deposits are what is emerging as a natural evolution of existing bank money.

“Within the bank’s network, tokenized deposits are an efficient way for our clients to be able to get that 24/7, always-on availability,” Chatterjee said.

The Race to Define the On-Chain Dollar for Institutional Use

By anchoring decisions in client economics and workflows, banks are positioning themselves less as promoters of specific technologies and more as integrators tasked with assembling the right mix of tools for each use case. Institutional clients are not simply looking for digital replicas of existing money; they are grappling with the friction of moving funds across use cases and jurisdictions.

“There’s this constant need to transform money across its various forms and shapes,” Chatterjee said, adding that payments, working capital and financing increasingly overlap, and inefficiencies emerge when money cannot move fluidly between those roles.

By representing deposits on distributed ledgers, banks can offer real-time movement of money across accounts, entities and geographies without leaving the regulated perimeter. For enterprises and institutions, this promises faster settlement, improved liquidity management and reduced operational friction, all without introducing new balance sheet or counterparty risks.

In this sense, tokenized deposits may turn out to be less disruptive than they appear. They modernize the plumbing of banking rather than bypassing it, extending familiar money into programmable environments.

Regulation, Interoperability and the Velocity of Money

The moment money exits a bank’s direct network, however, the strengths of tokenized deposits begin to fade. Cross-border payments, underbanked regions and counterparties outside major financial institutions can expose gaps in reach and efficiency when it comes to tokenized deposits.

This is where Chatterjee said he sees a role for stablecoins, not as competitors to banks, but as connective tissue.

“When money leaves the bank’s network and goes out into the external ecosystem, that’s where we see the role of stablecoins coming in,” he said, assuming they operate in a “very safe and sound and regulated manner.”

The result is likely to represent not a binary choice but a continuum. Just as checks, wires, cash and instant payments coexist today, digital money is likely to fragment into specialized forms optimized for different environments.

At the heart of the impact financial blockchain is having on digital money’s evolution lies a deceptively simple question: What makes money “good”?

For Chatterjee, the answer hinges on universal acceptance and trust.

“What makes a currency strong … has a lot to do with universal acceptance,” he said.

Assets that cannot be readily transferred or accepted risk becoming stranded, unable to circulate productively; while trust is fundamental to the value and stability of money, no matter its form. That logic applies equally to tokenized deposits and stablecoins. Without trust and transferability, neither is likely to function as a true institutional settlement asset.

Despite the focus on tokens and technology, Chatterjee was clear about where long-term value resides. It is not in the token itself, but in service.

“Client service and the client experience is what is going to drive the winning proposition,” he said.

Source 1

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New Allegations Link Former National Intelligence Leaders Clapper and O’Sullivan to UFO Shoot-Down and Retrieval Program

Written by Christopher Sharp - 24 January 2026

Multiple sources have told Liberation Times that, during the Obama administration, senior intelligence figures James Clapper and Stephanie O’Sullivan oversaw a program relating to Unidentified Anomalous Phenomena (UAP) within the Office of the Director of National Intelligence. 

The sources allege the effort involved the shootdown and recovery of exotic vehicles thought to be of non-human origin.

Three separate sources told Liberation Times that Clapper allegedly ran the program alongside O’Sullivan, dating back to his tenure as Under Secretary of Defense for Intelligence from 2007 to 2010

During that period, O’Sullivan led the CIA’s Directorate of Science and Technology before being promoted in 2009 to become the agency’s third-most senior officer.

One source alleged to Liberation Times that Clapper and O’Sullivan oversaw a program codenamed ‘Golden Domes,’ which the source claimed was jointly run by the CIA and the United States Air Force (USAF), where Clapper previously served.

The source further alleged that the program could detect and track UAP even when ‘cloaked’ and as they physically manifested.

The same source claimed the program employed a mix of electronic and laser-based capabilities intended to bring down what the source described as ‘exotic non-human vehicles.’

Sources were unable to offer Liberation Times a clear explanation for why the U.S. government would choose to engage UAP, including whether any such actions were taken routinely, in specific circumstances, or in relation to any potential understandings or rules of engagement involving other purported non-human factions.

In the recently released documentary ‘The Age of Disclosure’, James Clapper alleged that a secretive USAF program had been actively monitoring UAP, particularly over the highly classified Area 51 facility in Nevada - an epicentre of cutting-edge military development and testing.

Clapper, a former Chief of USAF Intelligence, stated:

“When I served in the Air Force, there was an active program to track anomalous activities that we couldn’t otherwise explain - many of them connected with ranges out west, notably Area 51.”

In a recent interview with journalist Megyn Kelly, former intelligence official, USAF veteran, and UAP whistleblower David Grusch claimed that James Clapper managed a UAP program, stating:

“I'm a little bit disappointed as a fellow Air Force officer…. That's all he said in the documentary: that there was a program he was aware of. 

 

“In fact, without being inappropriate, I will say that General Clapper was well aware of the crash retrieval issue, managed the crash retrieval issue, and, when he was a DNI [Director of National Intelligence], USDI [Undersecretary of Defense for Intelligence and Security], DIA [Defense Intelligence Agency], he placed people in critical roles to manage this issue, both publicly - and I'll just say not publicly as well - and I'll allow the audience to distill what I'm saying at the, at the risk of being inappropriate or going too far with my discussion. 

 

“So General Clapper, Stephanie O’Sullivan, other folks in the IC [Intelligence Community] that are well aware of this issue, that were in rooms discussing this issue, I ask you to be greater leaders on this. I should not be the only former military officer and intelligence official that is being completely candid with the information that they were exposed to.”

Grusch’s lawyer, Charles McCullough III served as the Intelligence Community Inspector General, reporting directly to then–Director of National Intelligence James Clapper.

In that role, according to his biography, McCullough ‘oversaw intelligence officers responsible for audits, inspections, and investigations. Furthermore, he was responsible for inquiries involving the Office of the Director of National Intelligence as well as the entire Intelligence Community.’

                            Above: Charles McCullough, III and James Clapper

Grusch, in that same interview, also alleged that former Vice President Dick Cheney, who has since died, was the “closest person” to a “mob boss,” exerting “central leadership” over UAP-related activities.

Notably, Dick Cheney’s wife, Lynne Cheney, served on Lockheed Corporation’s board of directors from 1994 to 2001.

Against that backdrop, in written testimony to Congress, Lue Elizondo, the former director of the Pentagon’s Advanced Aerospace Threat Identification Program, claimed that Naval Air Station Patuxent River in Maryland was among the sites prepared in connection with an alleged transfer of UAP materials to Bigelow Aerospace from Lockheed Martin - an organisation long accused of involvement in an alleged UAP reverse-engineering program.

In a 2013 Fox News interview, Dick Cheney said he first met James Clapper around 25 years earlier, when Clapper was serving as a USAF intelligence officer in Korea.

James Clapper served as the fourth Director of National Intelligence under President Obama from August 2010 to January 2017. Before that, he was Under Secretary of Defense for Intelligence from 2007 to 2010 under President George W. Bush and Vice President Dick Cheney.

Clapper also previously served as Director of the National Geospatial-Intelligence Agency and Director of the Defense Intelligence Agency

In his book Facts and Fears, he recounts how he was assigned as the USAF senior resident officer at the National Security Agency (NSA) to represent Air Force interests. In February 1980, then-NSA Director Vice Admiral Bobby Inman presided over Clapper’s promotion to colonel, as he assumed responsibility for all Air Force personnel stationed at the NSA.

Clapper writes in his book that he served as an intermediary for Vice Admiral Bobby Inman, whom he describes as “an icon and a legend” and who has also been alleged to be a UAP gatekeeper.

Inman was clearly aware of the link between O’Sullivan’s former office and UAP-related matters. In a now-public phone call with NASA engineer Bob Oechsler, Inman said that Everett Hineman, then Deputy Director of the CIA’s Directorate of Science and Technology, would be “the best person” to ask whether any recovered UAP vehicles might be made available for technological research outside military channels.

Notably, former NSA administrator Mike Rogers has recalled in an interview that, while serving as Director of National Intelligence, Clapper unexpectedly ordered him and his team to review the NSA’s files and provide everything relating to UFOs.

Upon being nominated as Director of National Intelligence by President Obama in 2010, Clapper was described as having developed close ties to the intelligence community during his long career and is particularly close to senior managers at the CIA.

In 2011, Clapper recommended that President Obama nominate Stephanie O’Sullivan as Principal Deputy Director of National Intelligence (PDDNI). 

Before her nomination, O’Sullivan served as the CIA’s Associate Deputy Director from December 2009 to February 2011, working alongside the Director and Deputy Director to provide overall leadership of the agency, with a particular focus on day-to-day management. 

                                                Above: Stephanie O’Sullivan

Before that, she served as the CIA’s Deputy Director of Science and Technology for 4 years. According to Liberation Times sources, the CIA’s Directorate of Science and Technology has and continues to be involved in coordinating UAP retrieval missions and safeguarding technologies derived from UAP-related research carried out by the Department of War (DoW) and its contractors.

Based on the best available open source information, previous Deputy Directors of the CIA’s Directorate of Science and Technology include:

  • Albert Wheelon 1963-1966

  • Carl Duckett 1966-1967

  • Leslie Dirks 1967-1982

  • R. Evan Hineman 1982-1989

  • James Hirsch 1989-1995

  • Ruth David 1995-1998

  • Gary Smith 1999-1999

  • Joanne Isham 1999-2001

  • Donald Kerr 2001-2005

  • Stephanie O’Sullivan 2005-2009

  • Glenn Gaffney 2009-2015

  • Dawn Meyerriecks 2015-2021

  • Todd Lowery 2021-present

In his book, ‘Facts and Fears’, Clapper writes that he knew O’Sullivan by reputation as a brilliant technical engineer, and that then-CIA Director Leon Panetta put her forward to him as his deputy - someone who could help cover his blind spots when CIA-related issues arose

Clapper describes the day of O’Sullivan’s confirmation to PDDNI - a title O’Sullivan jokingly referred to as ‘P-Diddy’ - as ‘an extremely happy one’. Their working relationship within the ODNI was extremely close, and Clapper has written that he learned to adopt the line “Stephanie speaks for me, even when we haven’t spoken.”

O’Sullivan entered the intelligence world after responding to a cryptic newspaper classified advert seeking an “ocean engineer”. That move led her to TRW, the defense contractor absorbed into Northrop Grumman, and later the Office of Naval Intelligence. Liberation Times sources allege that Northrop Grumman’s Tejon Ranch Radar Cross Section Facility in southern California is a site where UAPs are routinely retrieved.

Since her retirement from government in 2017, O’Sullivan now serves as a member of the Board of Trustees of the Aerospace Corporation and is on the Board of Directors of Battelle Memorial Institute. 

Battelle and The Aerospace Corporation have both been referenced publicly in connection with UAP programs

Sources also note that O’Sullivan sits on the board of HRL Laboratories, formerly Hughes Research Laboratories, part of the wider Hughes corporate legacy that is closely associated with the Hughes Glomar Explorer, the vessel later linked to the CIA’s effort to recover a sunken Soviet submarine.

Sources told Liberation Times that Stephanie O’Sullivan has been questioned by the Senate Select Committee on Intelligence about her alleged role in a UAP program

The sources further allege that she misled committee members, including then Senator Marco Rubio, now Secretary of State, by nervously claiming that she had no involvement.

Allegations of kinetic engagement have surfaced in other contexts. 

In written testimony submitted to Congress, journalist George Knapp relayed what he said he was told by figures linked to a former Russian Ministry of Defense UAP program: that Russian fighter aircraft were dispatched to intercept UAP on numerous occasions and, in a small number of cases, were ordered to fire. 

Knapp wrote that after several alleged incidents in which aircraft subsequently crashed, a standing order was issued instructing pilots to disengage and ‘leave the UFOs alone because, quote, “they could have incredible capacities for retaliation.”’ 

Source

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