TheDinarian

News • Business • Investing & Finance

💥Derivatives Time Bomb - Is YOUR Bank on this list?💥

November 29, 2022

(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

Rank	Derivatives	Bank Name
1	$57,022,286,000,000	JPMorgan Chase Bank
2	$49,972,812,000,000	Goldman Sachs Bank USA
3	$45,886,112,000,000	Citibank
4	$22,666,325,000,000	Bank of America
5	$11,484,983,000,000	Wells Fargo Bank
6	$2,271,601,000,000	State Street Bank and Trust Company
7	$1,511,176,232,000	HSBC Bank USA
8	$1,256,045,000,000	The Bank of New York Mellon
9	$785,851,064,000	U.S. Bank
10	$562,254,385,000	PNC Bank
11	$408,003,666,000	Western Alliance Bank
12	$348,162,229,000	TD Bank
13	$337,438,775,000	The Northern Trust Company
14	$323,341,000,000	Truist Bank
15	$248,211,478,000	Citizens Bank
16	$169,821,079,000	Fifth Third Bank
17	$166,118,000,000	Regions Bank
18	$164,279,392,000	Capital One
19	$138,928,879,000	MUFG Union Bank
20	$136,584,106,000	KeyBank
21	$119,319,000,000	Morgan Stanley Bank
22	$80,046,532,000	The Huntington National Bank
23	$71,801,453,000	BOKF
24	$71,067,700,000	UBS Bank USA
25	$70,439,741,000	Manufacturers and Traders Trust Company
26	$64,010,768,000	BMO Harris Bank
27	$62,538,000,000	Comerica Bank
28	$57,886,053,000	Capital One Bank (USA)
29	$55,011,418,000	Santander Bank, N.A.
30	$39,054,000,000	Morgan Stanley Private Bank
31	$35,449,747,000	First Horizon Bank
32	$35,174,468,000	City National Bank
33	$30,277,000,000	Deutsche Bank Trust Company Americas
34	$29,888,000,000	Silicon Valley Bank
35	$25,190,124,000	Flagstar Bank, FSB
36	$25,115,000,000	Ally Bank
37	$24,504,922,000	East West Bank
38	$22,990,198,000	Zions Bancorporation, N.A.
39	$21,761,651,000	SouthState Bank
40	$20,197,273,000	First-Citizens Bank & Trust Company
41	$18,492,774,000	Bank of the West
42	$18,133,467,000	First Financial Bank
43	$16,489,866,000	Webster Bank
44	$16,023,928,000	Synovus Bank
45	$15,784,000,000	Barclays Bank Delaware
46	$15,478,020,000	Valley National Bank
47	$15,054,290,000	TD Bank USA
48	$13,602,525,000	First National Bank of Pennsylvania
49	$13,284,746,000	Pacific Coast Bankers' Bank
50	$12,791,030,000	Old National Bank
51	$11,313,312,000	Signature Bank
52	$10,370,870,000	Fulton Bank
53	$10,125,176,000	Associated Bank
54	$9,408,332,000	MidFirst Bank
55	$8,667,361,000	Hancock Whitney Bank
56	$8,261,631,000	Umpqua Bank
57	$7,289,884,000	Lake Forest Bank & Trust Company
58	$7,289,584,000	Israel Discount Bank of New York
59	$7,207,000,000	USAA Federal Savings Bank
60	$6,945,914,000	First Republic Bank
61	$6,345,726,000	TIAA, FSB
62	$5,951,468,000	Atlantic Union Bank
63	$5,736,320,000	Silvergate Bank
64	$5,631,436,000	BankUnited
65	$5,487,943,000	Tristate Capital Bank
66	$5,279,227,000	Texas Capital Bank
67	$5,255,900,000	Principal Bank
68	$5,218,655,000	Pinnacle Bank
69	$5,109,521,000	Safra National Bank of New York
70	$4,971,704,000	Frost Bank
71	$4,945,853,000	Rockland Trust Company
72	$4,744,979,000	Wilmington Savings Fund Society, FSB
73	$4,589,237,000	PlainsCapital Bank
74	$4,458,503,000	Arvest Bank
75	$4,414,007,000	UMB Bank
76	$4,198,107,000	Discover Bank
77	$4,082,042,000	Cedar Rapids Bank and Trust Company
78	$3,968,428,000	Eastern Bank
79	$3,953,699,000	NexBank
80	$3,948,743,000	Northpointe Bank
81	$3,910,116,000	Sallie Mae Bank
82	$3,889,105,000	First Interstate Bank
83	$3,851,858,000	Bremer Bank
84	$3,805,850,000	City National Bank of Florida
85	$3,767,255,000	Berkshire Bank
86	$3,673,300,000	Wintrust Bank
87	$3,555,609,000	SoFi Bank
88	$3,500,000,000	Beal Bank USA
89	$3,415,168,000	Bank of Hawaii
90	$3,350,117,000	Cadence Bank
91	$3,312,754,000	First Hawaiian Bank
92	$3,238,143,000	Raymond James Bank
93	$3,184,928,000	CIBC Bank USA
94	$3,106,909,000	Provident Bank
95	$3,063,710,000	United Community Bank
96	$3,030,649,000	Wells Fargo National Bank West
97	$2,997,550,000	Brookline Bank
98	$2,863,869,000	NBT Bank
99	$2,857,449,000	Commerce Bank
100	$2,749,691,000	Centier Bank
101	$2,734,397,000	S&T Bank
102	$2,733,592,000	First Merchants Bank
103	$2,676,763,000	Dime Community Bank
104	$2,642,970,000	Washington Federal Bank
105	$2,597,359,000	The Washington Trust Company, of Westerly
106	$2,541,002,000	OceanFirst Bank
107	$2,453,624,000	FirstBank
108	$2,411,325,000	First Commonwealth Bank
109	$2,398,559,000	Gateway First Bank
110	$2,245,012,000	Amerant Bank
111	$2,108,438,000	Ameris Bank
112	$2,092,261,000	Trustmark National Bank
113	$2,077,174,000	Simmons Bank
114	$1,962,521,000	First United Bank and Trust Company
115	$1,948,772,000	Bankers Trust Company
116	$1,838,039,000	Renasant Bank
117	$1,826,841,000	Veritex Community Bank
118	$1,801,342,000	WesBanco Bank, Inc.
119	$1,786,123,000	Cathay Bank
120	$1,784,620,000	Customers Bank
121	$1,782,942,000	Lakeland Bank
122	$1,781,999,000	Third Federal Savings and Loan Association of Cleveland
123	$1,687,506,000	Salem Five Cents Savings Bank
124	$1,666,677,000	Cambridge Savings Bank
125	$1,624,219,000	Peapack-Gladstone Bank
126	$1,622,763,000	Bank of Hope
127	$1,542,260,000	Barrington Bank & Trust Company
128	$1,519,751,000	City National Bank of West Virginia
129	$1,500,000,000	Beal Bank
130	$1,476,690,000	Northwest Bank
131	$1,458,807,000	Banner Bank
132	$1,438,297,000	Pacific Premier Bank
133	$1,429,056,000	First Business Bank
134	$1,410,012,000	Johnson Bank
135	$1,387,261,000	First American Bank
136	$1,385,289,000	Flushing Bank
137	$1,370,157,000	Mechanics Bank
138	$1,347,561,000	Columbia State Bank
139	$1,343,943,000	Cambridge Trust Company
140	$1,315,277,000	RBC Bank, (Georgia)
141	$1,305,273,000	Texas Exchange Bank
142	$1,268,497,000	Peoples Bank
143	$1,264,189,000	1st Source Bank
144	$1,261,115,000	United Fidelity Bank, fsb
145	$1,257,705,000	Liberty Bank
146	$1,231,328,000	Union Bank and Trust Company
147	$1,226,303,000	Apple Bank for Savings
148	$1,216,735,000	PeoplesBank
149	$1,211,814,000	Busey Bank
150	$1,204,200,000	River City Bank
151	$1,171,805,000	Southside Bank
152	$1,142,727,000	The Federal Savings Bank
153	$1,124,667,000	Univest Bank and Trust Co.
154	$1,122,722,000	Five Star Bank
155	$1,110,431,000	Union Savings Bank
156	$1,101,126,000	Sunflower Bank
157	$1,100,499,000	WaterStone Bank, SSB
158	$1,074,733,000	Byline Bank
159	$1,072,573,000	Leader Bank
160	$1,055,043,000	Horizon Bank
161	$1,037,509,000	Enterprise Bank & Trust
162	$1,035,790,000	Plains Commerce Bank
163	$1,033,473,000	United Bank
164	$1,012,787,000	HarborOne Bank
165	$1,005,784,000	First Bank
166	$1,000,000,000	New York Community Bank
167	$950,000,000	Luther Burbank Savings
168	$912,889,000	NBH Bank
169	$909,246,000	First National Bank of Omaha
170	$887,095,000	Citizens Business Bank
171	$823,704,000	Seacoast National Bank
172	$823,076,000	Woodforest National Bank
173	$817,002,000	Independent Bank
174	$807,938,000	Origin Bank
175	$789,440,000	NBKC Bank
176	$779,569,000	Lake City Bank
177	$775,000,000	Metro City Bank
178	$772,241,000	The Camden National Bank
179	$770,319,000	Kearny Bank
180	$770,234,000	Bar Harbor Bank & Trust
181	$737,236,000	Mercantile Bank
182	$736,908,000	Bank of England
183	$709,921,000	Needham Bank
184	$690,176,000	North American Savings Bank, F.S.B.
185	$686,118,000	Premier Bank
186	$664,433,000	Pioneer Bank
187	$659,407,000	Stifel Bank and Trust
188	$645,499,000	Great Southern Bank
189	$621,106,000	CrossFirst Bank
190	$620,687,000	Columbia Bank
191	$616,879,000	Heritage Bank
192	$611,607,000	Hinsdale Bank & Trust Company
193	$608,776,000	Quontic Bank
194	$604,849,000	HomeStreet Bank
195	$600,000,000	ChoiceOne Bank
196	$592,586,000	Firstrust Savings Bank
197	$588,058,000	EagleBank
198	$586,530,000	Independent Bank
199	$571,240,000	Town Bank
200	$559,974,000	Quad City Bank and Trust Company
201	$553,177,000	First Community Bank of Tennessee
202	$550,401,000	Bell Bank
203	$538,243,000	The Central Trust Bank
204	$533,167,000	BankSouth
205	$525,187,000	The Canandaigua National Bank and Trust Company
206	$523,877,000	Libertyville Bank & Trust Company
207	$500,759,000	Schaumburg Bank & Trust Company
208	$493,243,000	Chemung Canal Trust Company
209	$490,518,000	Towne Bank
210	$467,429,000	Civista Bank
211	$452,005,000	Broadway National Bank
212	$449,978,000	Oakstar Bank
213	$447,221,000	Commercial Bank
214	$446,270,000	Prosperity Bank
215	$445,712,000	Carter Bank & Trust
216	$445,303,000	Northrim Bank
217	$443,571,000	City Bank
218	$440,286,000	Wheaton Bank & Trust
219	$435,534,000	Citizens and Farmers Bank
220	$431,297,000	Bangor Savings Bank
221	$426,279,000	MainStreet Bank
222	$423,028,000	MVB Bank, Inc
223	$418,160,000	Peoples Security Bank and Trust Company
224	$415,532,000	Sandy Spring Bank
225	$414,169,000	Bank Rhode Island
226	$405,788,000	ESSA Bank & Trust
227	$405,001,000	West Bank
228	$401,548,000	MidWestOne Bank
229	$400,000,000	ConnectOne Bank
230	$395,795,000	Midland States Bank
231	$392,488,000	NATIONAL COOPERATIVE BANK, N.A.
232	$381,832,000	Bridgewater Bank
233	$381,399,000	First Farmers Bank & Trust Co.
234	$380,835,000	Village Bank and Trust
235	$379,413,000	Republic Bank & Trust Company
236	$378,715,000	First Federal Bank
237	$369,084,000	Magnolia Bank, Incorporated
238	$365,000,000	Capitol Federal Savings Bank
239	$364,960,000	One American Bank
240	$362,502,000	Dollar Bank, Federal Savings Bank
241	$358,460,000	Northbrook Bank and Trust Company
242	$358,000,000	Farmers and Merchants Bank
243	$350,216,000	Middlesex Savings Bank
244	$345,595,000	Alerus Financial
245	$342,113,000	University Bank
246	$340,044,000	First Internet Bank of Indiana
247	$339,111,000	Equity Bank
248	$337,500,000	Sturgis Bank & Trust Company
249	$336,029,000	FirstBank
250	$335,246,000	BNC National Bank
251	$335,188,000	Old Plank Trail Community Bank
252	$330,830,000	Stock Yards Bank & Trust Company
253	$329,279,000	SmartBank
254	$328,461,000	Summit Community Bank, Inc
255	$326,282,000	Beach Community Bank
256	$319,154,000	Vast Bank
257	$319,046,000	Merchants Bank of Indiana
258	$313,844,000	Alpine Bank
259	$308,410,000	ServisFirst Bank
260	$301,207,000	First Citizens Community Bank
261	$300,721,000	German American Bank
262	$300,000,000	Metropolitan Commercial Bank
263	$290,788,000	Centennial Bank
264	$290,000,000	Spencer Savings Bank, SLA
265	$285,711,000	Premier Valley Bank
266	$285,639,000	Old Second National Bank
267	$266,109,000	First Federal Savings and Loan Association of Lakewood
268	$265,803,000	1st Security Bank of Washington
269	$264,462,000	PCSB Bank
270	$262,745,000	First Savings Bank
271	$255,301,000	West Gate Bank
272	$248,313,000	Progress Bank and Trust
273	$248,098,000	Newburyport Five Cents Savings Bank
274	$247,562,000	Dubuque Bank and Trust Company
275	$241,977,000	St. Charles Bank & Trust Company
276	$241,714,000	Mid Penn Bank
277	$240,853,000	Crystal Lake Bank and Trust Company
278	$236,743,000	American National Bank
279	$236,240,000	INLAND BANK & TRUST
280	$232,000,000	Banco Popular de Puerto Rico
281	$229,996,000	Androscoggin Savings Bank
282	$228,595,000	Bristol County Savings Bank
283	$228,291,000	Heartland Bank and Trust Company
284	$227,681,000	CommunityBank of Texas, N.A.
285	$226,688,000	NEXTIER BANK
286	$226,410,000	Extraco Banks
287	$224,942,000	Amarillo National Bank
288	$224,479,000	North Easton Savings Bank
289	$223,691,000	Katahdin Trust Company
290	$222,037,000	Bankwell Bank
291	$220,805,000	The Bank of Tioga
292	$220,350,000	Orrstown Bank
293	$213,042,000	Traditions Bank
294	$207,062,000	BayCoast Bank
295	$204,844,000	CapStar Bank
296	$202,886,000	FVCbank
297	$202,711,000	Evolve Bank & Trust
298	$200,929,000	First Financial Bank
299	$200,000,000	Tradition Capital Bank
300	$198,049,000	Armed Forces Bank
301	$197,860,000	First Bank
302	$196,642,000	Arizona Bank & Trust
303	$192,892,000	Bank Iowa
304	$191,868,000	Presidential Bank, FSB
305	$187,345,000	Gulf Coast Bank and Trust Company
306	$181,530,000	Central Pacific Bank
307	$180,067,000	Manufacturers Bank
308	$177,219,000	Meridian Bank
309	$177,085,000	Sunwest Bank
310	$176,531,000	HTLF Bank
311	$172,427,000	Citizens & Northern Bank
312	$172,000,000	Charles Schwab Bank, SSB
313	$170,503,000	The State Bank and Trust Company
314	$169,069,000	UniBank for Savings
315	$166,643,000	Mizuho Bank (USA)
316	$165,918,000	Minnesota Bank & Trust
317	$160,997,000	Burke & Herbert Bank & Trust Company
318	$160,474,000	LendingClub Bank
319	$160,047,000	Midwest BankCentre
320	$159,428,000	Ion Bank
321	$158,364,000	Fremont Bank
322	$158,056,000	The Farmers National Bank of Canfield
323	$156,828,000	BayFirst National Bank
324	$155,934,000	Glacier Bank
325	$154,442,000	FIDELITY BANK
326	$154,409,000	Southern States Bank
327	$151,875,000	Peoples Bank
328	$151,395,000	Cornerstone Bank
329	$150,850,000	Malvern Bank N.A.
330	$150,698,000	Glens Falls National Bank and Trust Company
331	$147,740,000	Union Savings Bank
332	$147,142,000	Genesee Regional Bank
333	$147,064,000	Westfield Bank, FSB
334	$146,802,000	State Bank Financial
335	$146,536,000	Beverly Bank & Trust Company
336	$143,478,000	Kish Bank
337	$140,746,000	BankNewport
338	$140,735,000	First International Bank & Trust
339	$136,537,000	Macatawa Bank
340	$134,958,000	New Mexico Bank & Trust
341	$133,800,000	Pacific National Bank
342	$132,818,000	Goldwater Bank, N.A.
343	$130,276,000	Ameriserv Financial Bank
344	$129,350,000	Pinnacle Bank
345	$127,667,000	First State Bank
346	$127,545,000	Pathfinder Bank
347	$126,685,000	Summit Bank
348	$126,245,000	Penn Community Bank
349	$125,113,000	Central National Bank
350	$123,701,000	Capital City Bank
351	$123,437,000	Hanmi Bank
352	$122,662,000	Northway Bank
353	$120,751,000	Washington State Bank
354	$118,690,000	Colonial Savings, F.A.
355	$115,438,000	American Bank
356	$113,935,000	Hickory Point Bank and Trust
357	$113,756,000	First National Bank
358	$113,740,000	Community State Bank
359	$112,926,000	Willamette Valley Bank
360	$112,673,000	IncredibleBank
361	$111,514,000	First Bank & Trust
362	$111,070,000	Centreville Bank
363	$109,855,000	Morton Community Bank
364	$109,644,000	Washington Trust Bank
365	$109,597,000	Professional Bank
366	$109,168,000	Gorham Savings Bank
367	$109,000,000	Blue Foundry Bank
368	$107,855,000	Ledyard National Bank
369	$107,718,000	The Bank of Tampa
370	$107,427,000	First Fidelity Bank
371	$107,375,000	International Bank of Commerce
372	$105,008,000	Citizens First Bank
373	$103,162,000	Florida Capital Bank
374	$103,012,000	The Guilford Savings Bank
375	$102,496,000	Fall River Five Cents Savings Bank
376	$101,024,000	Avidia Bank
377	$100,111,000	b1BANK
378	$100,000,000	OneUnited Bank
378	$100,000,000	The Fountain Trust Company
380	$99,725,000	CTBC Bank Corp. (USA)
381	$99,136,000	The Bank of Missouri
382	$98,549,000	First State Bank Nebraska
383	$98,110,000	CoastalStates Bank
384	$96,218,000	Guaranty Bank
385	$95,952,000	Minnwest Bank
386	$95,000,000	First Financial Northwest Bank
386	$95,000,000	First National Bank & Trust Company
388	$93,622,000	First Mid Bank & Trust
389	$93,241,000	Newtown Savings Bank
390	$91,360,000	First Financial Bank
391	$91,140,000	Stockman Bank of Montana
392	$89,760,000	Lincoln Savings Bank
393	$87,715,000	Midwest Community Bank
394	$87,453,000	Beneficial State Bank
395	$87,419,000	InsBank
396	$86,533,000	Pacific Western Bank
397	$86,364,000	State Bank of the Lakes
398	$86,064,000	CHARTER WEST BANK
399	$86,049,000	Town And Country Bank
400	$85,978,000	Lakeside Bank
401	$85,756,000	Neighbors Bank
402	$85,341,000	First Western Trust Bank
403	$84,538,000	BancFirst
404	$84,390,000	F&M Bank
405	$83,002,000	Heritage Bank, Inc.
406	$82,414,000	Blackhawk Bank & Trust
407	$81,986,000	The Dart Bank
408	$81,795,000	Rollstone Bank & Trust
409	$81,569,000	The Park Bank
410	$81,153,000	Community Financial Services Bank
411	$80,424,000	Banc of California
412	$79,750,000	Cornerstone Bank
413	$79,734,000	South Shore Bank
414	$79,579,000	Saco & Biddeford Savings Institution
415	$78,985,000	The Greenwood's State Bank
416	$78,797,000	Fortis Private Bank
417	$78,659,000	Security Bank of Kansas City
418	$78,620,000	Pentucket Bank
419	$78,367,000	Carrollton Bank
420	$77,644,000	Merchants Bank
421	$77,342,000	Fairfield County Bank
422	$77,235,000	Nebraskaland Bank
423	$76,474,000	Westfield Bank
424	$76,000,000	Luminate Bank
425	$75,573,000	Wood & Huston Bank
426	$75,133,000	Northfield Bank
427	$75,126,000	The Freedom Bank of Virginia
428	$74,586,000	First Bank
429	$73,790,000	Cf Bank
430	$73,529,000	Kirkpatrick Bank
431	$73,054,000	North Shore Bank of Commerce
432	$72,629,000	U. S. Century Bank
433	$71,322,000	Hardin County Savings Bank
434	$70,399,000	Webster Five Cents Savings Bank
435	$70,312,000	BankPlus
436	$69,609,000	Illinois Bank & Trust
437	$69,448,000	Bank of Sun Prairie
438	$68,784,000	Intrust Bank
439	$68,525,000	CNB Bank
440	$68,257,000	Opportunity Bank of Montana
441	$67,850,000	Colorado Federal Savings Bank
442	$67,661,000	Northwest Bank
443	$67,406,000	Exchange Bank
444	$67,166,000	Bryant Bank
445	$66,942,000	Fidelity Bank
446	$66,565,000	FirstBank Puerto Rico
447	$65,940,000	Northstar Bank
448	$65,805,000	Paramount Bank
449	$65,494,000	Texana Bank
450	$65,040,000	Wisconsin Bank & Trust
451	$64,121,000	Southern Bank and Trust Company
452	$63,727,000	Truxton Trust Company
453	$63,519,000	First Dakota National Bank
454	$63,182,000	Axos Bank
455	$62,802,000	The First National Bank of Fort Smith
456	$62,361,000	Cape Cod Co-operative Bank
457	$62,346,000	Rhinebeck Bank
458	$62,325,000	The Bank of Canton
459	$62,072,000	CIBM Bank
460	$61,749,000	Huntingdon Valley Bank
461	$61,392,000	Wilson Bank and Trust
462	$60,641,000	Horizon Bank
463	$60,337,000	First Federal Bank, A FSB
464	$60,000,000	Brentwood Bank
465	$59,461,000	MountainOne Bank
466	$59,382,000	Tri City National Bank
467	$57,974,000	Kitsap Bank
468	$57,651,000	The Park National Bank
469	$54,025,000	CorTrust Bank
470	$53,865,000	First Bank & Trust
471	$53,302,000	Magyar Bank
472	$52,737,000	FIRST COMMERCIAL BANK
473	$52,557,000	Kennebec Savings Bank
474	$52,154,000	Home Bank
475	$51,929,000	Guardian Savings Bank
476	$51,829,000	Shore United Bank, N.A.
477	$51,309,000	Austin Capital Bank SSB
478	$50,830,000	Citizens State Bank
479	$50,440,000	Susser Bank
480	$50,409,000	Bankers' Bank
481	$50,258,000	Bank of Utah
482	$50,080,000	Parkside Financial Bank & Trust
483	$50,000,000	Chesapeake Bank
483	$50,000,000	Iowa Trust & Savings Bank
483	$50,000,000	Lincoln Park Savings Bank
483	$50,000,000	TS Bank
487	$48,664,000	First PREMIER Bank
488	$48,328,000	St. Louis Bank
489	$47,940,000	Cache Valley Bank
490	$47,373,000	Ixonia Bank
491	$47,228,000	Mechanics Cooperative Bank
492	$44,845,000	Signature Bank
493	$43,944,000	Peoples Bank
494	$43,572,000	Uwharrie Bank
495	$43,564,000	The State Bank
496	$43,549,000	Access Bank
497	$43,300,000	Oriental Bank
498	$43,221,000	River Bank & Trust
499	$43,064,000	Machias Savings Bank
500	$42,956,000	State Bank of Cross Plains
501	$42,497,000	Peoples Bank of Alabama
502	$41,650,000	First Reliance Bank
503	$41,351,000	Community Bank of Mississippi
504	$41,000,000	Banesco USA
505	$40,949,000	Bank of Colorado
506	$40,809,000	Primis Bank
507	$40,060,000	Main Street Bank
508	$40,000,000	42 North Private Bank
508	$40,000,000	First US Bank
510	$39,329,000	Lake Area Bank
511	$39,244,000	Rocky Mountain Bank
512	$38,721,000	Bison State Bank
513	$38,347,000	Community First National Bank
514	$38,283,000	Flanagan State Bank
515	$38,265,000	Chickasaw Community Bank
516	$37,745,000	Arbor Bank
517	$37,500,000	Cenlar FSB
518	$37,428,000	Bank of Springfield
519	$37,294,000	Harvest Bank
520	$37,200,000	Cass Commercial Bank
521	$36,609,000	West Michigan Community Bank
522	$35,795,000	First Missouri State Bank of Cape County
523	$35,771,000	The First National Bank of Middle Tennessee
524	$35,520,000	Capital Community Bank
525	$35,303,000	Gate City Bank
526	$34,881,000	Red River Bank
527	$34,729,000	Old Missouri Bank
528	$34,257,000	Mascoma Bank
529	$33,786,000	The Fidelity Bank
530	$33,602,000	Southern First Bank
531	$33,465,000	FNCB Bank
532	$33,061,000	Passumpsic Savings Bank
533	$32,840,000	Landmark National Bank
534	$31,801,000	Home Loan Investment Bank, F.S.B.
535	$31,490,000	Peoples Bank and Trust Company
536	$31,393,000	The Farmers & Merchants Bank
537	$31,356,000	Oxford Bank
538	$31,144,000	Park State Bank
539	$30,292,000	Nicolet National Bank
540	$30,152,000	1st National Bank
541	$30,000,000	FNBC Bank
541	$30,000,000	Olympia Federal Savings and Loan Association
543	$29,735,000	Community National Bank
544	$29,627,000	Transportation Alliance Bank, Inc. d/b/a TAB Bank
545	$29,129,000	INB
546	$28,862,000	BOC Bank
547	$28,689,000	Central National Bank
548	$28,200,000	Four Corners Community Bank
549	$27,781,000	American Bank of Missouri
550	$27,602,000	The Old Point National Bank of Phoebus
550	$27,602,000	Village Bank
552	$27,492,000	Great Midwest Bank, S.S.B.
553	$27,475,000	Deerwood Bank
554	$27,367,000	Oakworth Capital Bank
555	$27,211,000	Choice Financial Group
556	$27,045,000	The Ohio Valley Bank Company
557	$26,702,000	Country Club Bank
558	$26,490,000	First State Bank of St. Charles, Missouri
559	$25,809,000	Academy Bank
560	$25,524,000	Fidelity Co-operative Bank
561	$25,461,000	WebBank
562	$25,335,000	Emigrant Bank
563	$25,098,000	Bank3
564	$25,000,000	First Federal Savings and Loan Association of Lorain
564	$25,000,000	Reading Co-operative Bank
566	$24,907,000	Cincinnati Federal
567	$24,896,000	Bravera Bank
568	$24,731,000	CIBC National Trust Company
569	$24,675,000	Bank of Little Rock
570	$24,548,000	First National Bank Alaska
571	$24,255,000	Hometown Bank
572	$24,000,000	Pennian Bank
573	$23,900,000	State Bank of Reeseville
574	$23,657,000	Prime Meridian Bank
575	$23,600,000	McHenry Savings Bank
576	$23,471,000	The First National Bank and Trust Company
577	$23,445,000	CFG Community Bank
578	$23,442,000	Allied First Bank,sb
579	$23,425,000	DeWitt Bank & Trust Co.
580	$23,408,000	Bank of Jackson Hole
581	$23,272,000	Brazos National Bank
582	$23,035,000	First United Bank
583	$22,935,000	United Bank
584	$22,766,000	Gold Coast Bank
585	$22,500,000	Crest Savings Bank
585	$22,500,000	Stifel Bank
587	$22,485,000	Citizens Bank of Las Cruces
588	$22,478,000	The First Bank
589	$22,354,000	Anderson Brothers Bank
590	$22,008,000	TexasBank
591	$21,919,000	American National Bank & Trust
592	$21,276,000	Pan American Bank & Trust
593	$21,217,000	Fortress Bank
594	$21,000,000	Synchrony Bank
595	$20,824,000	Southern Michigan Bank & Trust
596	$20,745,000	American Bank of Commerce
597	$20,670,000	Bank of New Hampshire
598	$20,441,000	First Federal Bank of Kansas City
599	$20,108,000	Security First Bank
600	$20,019,000	Washington County Bank
601	$20,011,000	Cattlemens Bank
602	$20,000,000	Atlantic Community Bankers Bank
602	$20,000,000	First Seacoast Bank
602	$20,000,000	The Bank of Glen Burnie
602	$20,000,000	The Juniata Valley Bank
602	$20,000,000	Unity Bank
607	$19,973,000	Triad Bank
608	$19,847,000	Cross Keys Bank
609	$19,801,000	Paragon Bank
610	$19,744,000	North State Bank
611	$19,724,000	D. L. Evans Bank
612	$19,640,000	TIB
613	$19,260,000	CedarStone Bank
614	$19,094,000	Waukesha State Bank
615	$19,060,000	The Cape Cod Five Cents Savings Bank
616	$19,050,000	Washington Financial Bank
617	$19,000,000	The First National Bank and Trust Co., Chickasha, Oklahoma
618	$18,991,000	Saratoga National Bank and Trust
619	$18,592,000	First State Bank and Trust Company, Inc.
620	$18,558,000	Citizens National Bank of Texas
621	$18,545,000	Blackhawk Bank
622	$18,505,000	The Union Bank Company
623	$18,405,000	Cross River Bank
624	$18,356,000	American National Bank and Trust Company
625	$18,199,000	RiverWood Bank
626	$18,167,000	First Security Bank
627	$18,000,000	Gouverneur Savings and Loan Association
628	$17,723,000	First Bank
629	$17,471,000	First State Bank
630	$17,168,000	Devon Bank
631	$17,167,000	Superior National Bank
632	$17,163,000	Frontier Bank
633	$17,152,000	BankWest, Inc.
634	$17,026,000	Bank Five Nine
635	$17,013,000	First State Bank of Uvalde
636	$16,939,000	United Community Bank
637	$16,614,000	Fidelity Bank
638	$16,572,000	Monona Bank
639	$16,525,000	The First State Bank
640	$16,298,000	Springs Valley Bank & Trust Company
641	$16,285,000	Signature Bank of Arkansas
642	$15,955,000	Wilson & Muir Bank & Trust Company
643	$15,910,000	Decorah Bank & Trust Company
644	$15,797,000	Enterprise Bank and Trust Company
645	$15,625,000	Bank of Tennessee
646	$15,455,000	First State Bank
647	$15,341,000	Mutual Federal Bank
648	$15,050,000	The Lyons National Bank
649	$15,041,000	Core Bank
650	$15,000,000	Fulton Savings Bank
650	$15,000,000	Grand Bank for Savings, FSB
650	$15,000,000	Northeast Bank
650	$15,000,000	The Bancorp Bank
654	$14,837,000	Mid-Missouri Bank
655	$14,718,000	The First Bank and Trust Company
656	$14,717,000	First State Bank
657	$14,682,000	Lincoln FSB of Nebraska
658	$14,645,000	Republic Bank
659	$14,514,000	CNB St Louis Bank
660	$14,489,000	Ulster Savings Bank
661	$14,371,000	Western State Bank
662	$14,277,000	Piermont Bank
663	$14,250,000	Legends Bank
664	$14,075,000	Pinnacle Bank - Wyoming
665	$13,935,000	City Bank & Trust Co.
666	$13,909,000	Ohio State Bank
667	$13,650,000	Institution for Savings in Newburyport and Its Vicinity
668	$13,591,000	Tompkins Community Bank
669	$13,500,000	First Bank
670	$13,449,000	Bank of Idaho
671	$13,393,000	Liberty Bank Minnesota
672	$13,376,000	Dieterich Bank
673	$13,204,000	Cattle Bank and Trust
674	$13,088,000	First Citizens Bank
675	$13,046,000	The Nodaway Valley Bank
676	$13,027,000	State Bank
677	$12,972,000	American Bank of Oklahoma
678	$12,845,000	South Central Bank, Inc.
679	$12,800,000	Dundee Bank
680	$12,649,000	Montgomery Bank
681	$12,546,000	Bank of Marin
682	$12,476,000	Farmers & Stockmens Bank
683	$12,391,000	Heritage Bank
684	$12,341,000	Patriot Bank
685	$12,214,000	West Town Bank & Trust
686	$12,000,000	Farmers State Bank of Calhan
687	$11,968,000	Mid-America Bank
688	$11,948,000	First Community Bank
689	$11,730,000	Community First Bank
690	$11,714,000	The Peoples State Bank
691	$11,550,000	Ocean Bank
692	$11,311,000	The National Bank of Indianapolis
693	$11,176,000	Northwest Bank of Rockford
694	$11,137,000	National Bank of Commerce
695	$11,120,000	Wayne Bank
696	$11,078,000	American Bank & Trust
697	$11,065,000	The Bank of Commerce
698	$11,051,000	Relyance Bank
699	$11,014,000	Pioneer Bank
700	$10,973,000	CBI Bank & Trust
701	$10,913,000	Envision Bank
702	$10,906,000	First Community Bank
703	$10,858,000	The Old Fort Banking Company
704	$10,806,000	First National Bank, Ames, Iowa
704	$10,806,000	Sabine State Bank and Trust Company
706	$10,738,000	First National Community Bank
707	$10,659,000	Bank of Washington
708	$10,575,000	VISIONBank
709	$10,530,000	Waterford Bank, N.A.
710	$10,509,000	American Federal Bank
711	$10,409,000	Triad Business Bank
712	$10,288,000	Idaho First Bank
713	$10,215,000	Guaranty Bank and Trust Company
714	$10,148,000	Inwood National Bank
715	$10,036,000	Frandsen Bank & Trust
716	$10,021,000	Midwest Bank
717	$10,003,000	Cashmere Valley Bank
718	$10,000,000	Ballston Spa National Bank
718	$10,000,000	Eastern Michigan Bank
718	$10,000,000	FNB Oxford Bank
718	$10,000,000	Intercredit Bank
718	$10,000,000	Mauch Chunk Trust Company
718	$10,000,000	Merchants & Farmers Bank & Trust Company
718	$10,000,000	Salisbury Bank and Trust Company
718	$10,000,000	The City National Bank of Metropolis
718	$10,000,000	West Alabama Bank & Trust
727	$9,955,000	Bank Independent
728	$9,927,000	Liberty Savings Bank, F.S.B.
729	$9,919,000	The Dime Bank
730	$9,871,000	STAR Financial Bank
731	$9,735,000	Wyoming Community Bank
732	$9,689,000	American Savings Bank, FSB
733	$9,670,000	Marine Bank
734	$9,591,000	CB&S Bank, Inc.
735	$9,548,000	Home State Bank
736	$9,543,000	Security Bank USA
737	$9,483,000	Community National Bank
738	$9,381,000	Hawthorn Bank
739	$9,360,000	FM Bank
740	$9,049,000	First Fed Bank
740	$9,049,000	First National Bank
742	$9,027,000	JD Bank
743	$9,000,000	Farmers Bank & Trust
744	$8,750,000	Capital Bank
745	$8,719,000	Denver Savings Bank
746	$8,699,000	Enterprise Bank
747	$8,504,000	Bruning Bank
748	$8,415,000	Blue Ridge Bank
749	$8,390,000	United Bank of Michigan
750	$8,368,000	Kirkwood Bank & Trust Co.
751	$8,357,000	First Westroads Bank, Inc.
752	$8,352,000	Cornerstone Bank
753	$8,197,000	The Farmers Bank
754	$8,142,000	Bank of Ann Arbor
755	$8,105,000	First Federal Savings Bank
756	$8,099,000	Bank of Travelers Rest
757	$7,862,000	Central Bank
758	$7,822,000	Bank First, N.A.
759	$7,798,000	Security State Bank & Trust
760	$7,782,000	Independent Bank
761	$7,658,000	Vermillion State Bank
762	$7,656,000	Hills Bank and Trust Company
763	$7,654,000	The Citizens National Bank of Bluffton
764	$7,650,000	TrailWest Bank
765	$7,583,000	The Shelby County State Bank
766	$7,550,000	First Community Bank
767	$7,500,000	Peach State Bank & Trust
768	$7,477,000	Home Federal Savings Bank
769	$7,441,000	Eagle Bank and Trust Company
770	$7,425,000	SouthStar Bank, S.S.B.
771	$7,414,000	The Torrington Savings Bank
772	$7,406,000	Fortifi Bank
773	$7,376,000	Great Plains National Bank
774	$7,365,000	Farmers and Merchants Bank of St. Clair
775	$7,362,000	Community First Bank of Indiana
776	$7,353,000	River Valley Community Bank
777	$7,348,000	Armstrong Bank
778	$7,340,000	Live Oak Banking Company
779	$7,282,000	Abbeville Building & Loan (A State-Chartered Savings Bank)
780	$7,194,000	Warsaw Federal Savings and Loan Association
781	$7,184,000	Dime Bank
782	$7,141,000	Bank of the Pacific
783	$7,112,000	Fidelity Bank & Trust
784	$7,083,000	Providence Bank & Trust
785	$6,985,000	American National Bank of Minnesota
786	$6,972,000	Dogwood State Bank
787	$6,771,000	Great North Bank
788	$6,763,000	First Community Bank
789	$6,728,000	HomeTown Bank
790	$6,675,000	Border Bank
791	$6,638,000	PeoplesBank, a Codorus Valley Company
792	$6,635,000	Axiom Bank
793	$6,560,000	Farmers and Merchants Trust Company of Chambersburg
794	$6,544,000	SAVIBANK
795	$6,497,000	First American Bank
796	$6,451,000	Trustar Bank
797	$6,445,000	Global Bank
798	$6,401,000	The Equitable Bank, S.S.B.
799	$6,396,000	First State Community Bank
800	$6,376,000	The First National Bank of Granbury
801	$6,355,000	Resource Bank
802	$6,344,000	Commerce State Bank
802	$6,344,000	Royal Business Bank
804	$6,313,000	Bluestone Bank
805	$6,310,000	SpiritBank
806	$6,265,000	Merchants & Planters' Bank
807	$6,224,000	The Farmers Bank, Frankfort, Indiana
808	$6,175,000	First Bank Chicago
809	$6,061,000	The Jacksboro National Bank
810	$6,000,000	Amalgamated Bank of Chicago
810	$6,000,000	Bessemer Trust Company
810	$6,000,000	Lake Shore Savings Bank
813	$5,917,000	Starion Bank
814	$5,884,000	CNB Bank and Trust, N.A.
815	$5,848,000	The First National Bank in Carlyle
816	$5,836,000	Oostburg State Bank
817	$5,825,000	First Vision Bank of Tennessee
818	$5,763,000	First Northern Bank of Wyoming
819	$5,733,000	Metro Bank
820	$5,706,000	Banterra Bank
821	$5,661,000	Peoples State Bank
822	$5,618,000	Cornerstone National Bank & Trust Company
823	$5,604,000	Equitable Bank
824	$5,593,000	Community Bank
825	$5,513,000	Manufacturers Bank & Trust Company
826	$5,510,000	Jackson County Bank
827	$5,495,000	Peoples Bank
828	$5,432,000	1st State Bank
829	$5,396,000	Focus Bank
830	$5,383,000	Citizens Bank
831	$5,376,000	Jefferson Bank
832	$5,352,000	Edmonton State Bank
833	$5,304,000	EAGLE.bank
834	$5,272,000	Norway Savings Bank
835	$5,229,000	American State Bank
836	$5,188,000	Troy Bank & Trust Company
837	$5,180,000	First Liberty Bank
838	$5,105,000	First State Bank
839	$5,095,000	Quail Creek Bank
840	$5,000,000	First National Bank of Kansas
840	$5,000,000	Royal Banks of Missouri
840	$5,000,000	The Bennington State Bank
843	$4,998,000	FCB Banks
844	$4,928,000	Jersey Shore State Bank
845	$4,917,000	HNB First Bank
846	$4,900,000	Herring Bank
847	$4,890,000	RiverHills Bank
848	$4,888,000	Citizens National Bank, N.A.
849	$4,832,000	Bank OZK
850	$4,810,000	Citizens State Bank of Waverly, Inc.
851	$4,789,000	Winchester Savings Bank
852	$4,751,000	PriorityOne Bank
853	$4,722,000	Community Resource Bank
854	$4,712,000	State Bank of Southwest Missouri
855	$4,670,000	The Port Washington State Bank
856	$4,654,000	Southwest Bank
857	$4,632,000	First National Bank of Gillette
858	$4,627,000	Guadalupe Bank
859	$4,624,000	Peoples National Bank , N.A.
860	$4,613,000	Dallas Capital Bank
861	$4,592,000	American Heritage Bank
862	$4,573,000	Ohnward Bank & Trust
863	$4,484,000	Forest Park National Bank and Trust Company
864	$4,471,000	Availa Bank
865	$4,440,000	First National Bank of Brookfield
866	$4,420,000	SouthTrust Bank, N.A.
867	$4,250,000	First State Bank & Trust Company
868	$4,192,000	First State Bank
869	$4,191,000	First Federal Savings Bank of Twin Falls
870	$4,180,000	FirstBank Southwest
871	$4,152,000	Bank of Hays
872	$4,093,000	Farmers State Bank
873	$4,088,000	Byron Bank
874	$4,060,000	Citizens State Bank of Roseau
875	$4,053,000	Blue Ridge Bank
876	$4,032,000	The State Bank of Faribault
877	$4,027,000	City State Bank
878	$4,000,000	Texas Heritage Bank
878	$4,000,000	The Fidelity Deposit and Discount Bank
880	$3,988,000	Citizens Bank & Trust Company of Vivian, Louisiana
881	$3,987,000	The Bank of Forest
882	$3,922,000	Citizens Bank of Kansas
883	$3,876,000	First National Bank
884	$3,846,000	Vision Bank
885	$3,749,000	Chambers Bank
886	$3,745,000	Mountain View Bank of Commerce
887	$3,694,000	Grundy Bank
888	$3,685,000	Community National Bank
889	$3,672,000	American Bank
890	$3,661,000	McClain Bank
891	$3,650,000	Goodfield State Bank
892	$3,645,000	BankVista
893	$3,603,000	Bank of the Flint Hills
894	$3,592,000	Luana Savings Bank
895	$3,540,000	Alliant Bank
895	$3,540,000	Isabella Bank
897	$3,506,000	The Gunnison Bank and Trust Company
898	$3,471,000	Northview Bank
899	$3,457,000	First Bankers Trust Company
900	$3,407,000	Somerset Trust Company
901	$3,403,000	Legacy Bank
902	$3,400,000	Mid America Bank
903	$3,370,000	WNB FINANCIAL, N.A.
904	$3,356,000	First State Bank
905	$3,324,000	De Witt Savings Bank
906	$3,322,000	First Midwest Bank of the Ozarks
906	$3,322,000	SULLIVAN BANK
908	$3,318,000	NBC OKLAHOMA
909	$3,259,000	BankFirst
910	$3,227,000	HomeTrust Bank
911	$3,225,000	Platte Valley Bank
912	$3,190,000	Grand River Bank
913	$3,185,000	Alliance Bank
914	$3,152,000	Madison County Bank
915	$3,148,000	Palmetto State Bank
916	$3,141,000	Century Bank and Trust
917	$3,138,000	Farmers Bank & Trust Company
918	$3,133,000	First Midwest Bank of Dexter
919	$3,132,000	Premier Bank
920	$3,121,000	First Bank Elk River
921	$3,107,000	First Federal Savings Bank of Champaign Urbana
922	$3,099,000	The Honesdale National Bank
923	$3,094,000	Bank of Abbeville & Trust Company
924	$3,093,000	First Federal Bank
925	$3,047,000	First Central State Bank
926	$3,031,000	Bank of Franklin County
927	$3,029,000	Woodsville Guaranty Savings Bank
928	$3,024,000	First Oklahoma Bank
929	$3,013,000	State Savings Bank
930	$2,990,000	Farmers Savings Bank
931	$2,947,000	Community Savings Bank
932	$2,943,000	The First National Bank of Moose Lake
933	$2,916,000	FirstCapital Bank of Texas
934	$2,887,000	Bath Savings Institution
935	$2,853,000	Citizens Bank of Ada
936	$2,807,000	The Bippus State Bank
937	$2,800,000	Central Savings Bank
938	$2,796,000	Legends Bank
939	$2,785,000	Citizens State Bank of Loyal
940	$2,777,000	People's Bank of Seneca
941	$2,770,000	Guaranty Bank & Trust, N.A.
942	$2,759,000	Security National Bank of Omaha
943	$2,746,000	United Bank of Iowa
944	$2,730,000	Middletown Valley Bank
945	$2,721,000	State Savings Bank
946	$2,690,000	BankIowa
947	$2,684,000	The Roscoe State Bank
948	$2,616,000	Commercial Bank & Trust Co.
949	$2,610,000	International Bank of Commerce
950	$2,606,000	Lee Bank
951	$2,600,000	Badger Bank
952	$2,587,000	Timberland Bank
953	$2,527,000	Iowa Savings Bank
954	$2,511,000	TriStar Bank
955	$2,411,000	First Community Bank
956	$2,380,000	Ennis State Bank
957	$2,366,000	United Community Bank
958	$2,362,000	Heritage Community Bank
959	$2,345,000	First Federal Bank
960	$2,344,000	Hiawatha National Bank
961	$2,342,000	Marion County State Bank
962	$2,334,000	F & M Bank
963	$2,329,000	FORTE BANK
964	$2,314,000	Sauk Valley Bank & Trust Company
965	$2,280,000	The Fairfield National Bank
966	$2,277,000	Woodland Bank
967	$2,252,000	The First National Bank of Bemidji
968	$2,247,000	Woodlands National Bank
969	$2,236,000	Nebraska Bank of Commerce
970	$2,216,000	Waumandee State Bank
971	$2,200,000	The Bank of Clarendon
972	$2,135,000	AbbyBank
973	$2,133,000	Bank Forward
973	$2,133,000	Citizens State Bank
975	$2,119,000	Reliance Bank
976	$2,110,000	Progressive Bank
977	$2,107,000	Citizens Community Federal
978	$2,087,000	TBK BANK, SSB
978	$2,087,000	The Citizens National Bank of Meridian
980	$2,067,000	First Nebraska Bank
981	$2,061,000	Old Dominion National Bank
982	$2,059,000	FirstBank of Nebraska
983	$2,047,000	Anchor D Bank
984	$2,046,000	Lake Elmo Bank
985	$2,039,000	Citizens Community Bank
986	$2,038,000	Mechanics Bank
987	$2,029,000	Eagle Bank
988	$2,017,000	Platte Valley Bank
989	$2,000,000	North Valley Bank
990	$1,974,000	Heritage Bank of the Ozarks
991	$1,955,000	Norwood Co-operative Bank
992	$1,931,000	First Farmers & Merchants Bank
993	$1,916,000	Riverside Savings Bank, SSB
994	$1,903,000	Bank of Wisconsin Dells
995	$1,895,000	Provident State Bank, Inc.
996	$1,892,000	American Business Bank
997	$1,885,000	Sentry Bank
998	$1,883,000	Pine Country Bank
999	$1,829,000	Pinnacle Bank
1000	$1,826,000	The First National Bank of River Falls
1001	$1,823,000	American State Bank & Trust Company of Williston
1001	$1,823,000	DMB Community Bank
1003	$1,800,000	West Plains Bank and Trust Company
1004	$1,736,000	First Whitney Bank and Trust
1005	$1,734,000	The Western State Bank
1006	$1,723,000	Citizens Bank
1007	$1,716,000	First National Bank of Pulaski
1008	$1,715,000	Homeland Community Bank
1009	$1,709,000	Think Mutual Bank
1010	$1,627,000	Bank of Eastern Oregon
1011	$1,606,000	Hometown Bank
1012	$1,604,000	Community Trust Bank, Inc.
1013	$1,600,000	The Savings Bank
1014	$1,594,000	Citizens Bank Minnesota
1015	$1,590,000	Horicon Bank
1016	$1,587,000	County Bank
1017	$1,583,000	Sunrise Banks
1018	$1,581,000	Farmers & Merchants State Bank
1019	$1,579,000	Valley Bank of Ronan
1020	$1,564,000	CUSB Bank
1021	$1,557,000	The Bank of Denver
1021	$1,557,000	WOODTRUST BANK
1023	$1,555,000	Great American Bank
1024	$1,553,000	South Story Bank & Trust
1025	$1,550,000	Osgood Bank
1025	$1,550,000	Security Savings Bank
1027	$1,549,000	Foresight Bank
1028	$1,526,000	Southern Heritage Bank
1029	$1,521,000	LifeStore Bank
1030	$1,513,000	GNBank
1031	$1,509,000	CenterBank
1032	$1,508,000	Phelps County Bank
1033	$1,500,000	Bank of Monticello
1034	$1,495,000	First Southern State Bank
1035	$1,492,000	Union State Bank
1036	$1,488,000	Settlers Bank
1037	$1,442,000	American Bank and Trust Company
1038	$1,434,000	Central State Bank
1039	$1,432,000	Bank of Deerfield
1040	$1,431,000	American Bank of Beaver Dam
1041	$1,428,000	Royal Bank
1042	$1,426,000	Commercial Bank
1043	$1,417,000	Lake Central Bank
1044	$1,406,000	Hilltop National Bank
1045	$1,393,000	Exchange Bank
1046	$1,378,000	Home Bank and Trust Company
1047	$1,375,000	Bloomsdale Bank
1048	$1,364,000	First New Mexico Bank, Las Cruces
1049	$1,355,000	Southwest Missouri Bank
1050	$1,352,000	Five Star Bank
1051	$1,344,000	Reliance Savings Bank
1052	$1,336,000	Farmers Savings Bank
1053	$1,319,000	BNA Bank
1054	$1,300,000	The Peoples Community Bank
1055	$1,288,000	Elkhorn Valley Bank & Trust
1056	$1,257,000	WCF Financial Bank
1057	$1,252,000	South Louisiana Bank
1058	$1,247,000	PremierBank
1059	$1,238,000	The Hershey State Bank
1060	$1,217,000	Bank of The Rockies
1061	$1,211,000	Home Federal Savings and Loan Association of Grand Island
1061	$1,211,000	Peoples Trust Company of St. Albans
1063	$1,210,000	Exchange Bank and Trust Company, Natchitoches, Louisiana
1064	$1,202,000	United Bank of Union
1065	$1,159,000	Collins State Bank
1066	$1,148,000	Community State Bank of Rock Falls
1067	$1,142,000	HomeBank
1068	$1,130,000	Grand Rapids State Bank
1069	$1,124,000	Security First Bank of North Dakota
1070	$1,120,000	Alliance Bank
1070	$1,120,000	First Bank Richmond
1072	$1,106,000	ESB Financial
1073	$1,099,000	Elysian Bank
1074	$1,088,000	United Valley Bank
1075	$1,084,000	Apple River State Bank
1076	$1,081,000	First Security Bank and Trust Company
1077	$1,073,000	Bank of Milton
1078	$1,064,000	Southern Bank
1079	$1,061,000	Sound Community Bank
1080	$1,043,000	Central Bank Illinois
1081	$1,036,000	Profinium, Inc.
1082	$1,026,000	The City National Bank of Sulphur Springs
1083	$1,021,000	Austin Bank, Texas
1084	$1,018,000	Farmers Savings Bank
1085	$1,010,000	Mound City Bank
1086	$1,000,000	First National Bank in Okeene
1087	$988,000	Wells Bank
1088	$979,000	The Citizens Bank
1089	$964,000	Frontier Bank
1090	$963,000	TruCommunity Bank
1091	$958,000	StonehamBank, A Co-operative Bank
1092	$948,000	North Dallas Bank & Trust Co.
1093	$945,000	Wolf River Community Bank
1094	$944,000	Arcadian Bank
1095	$940,000	Hoosier Heartland State Bank
1096	$935,000	Citizens Alliance Bank
1097	$933,000	Vantage Bank
1098	$921,000	Marquette Bank
1098	$921,000	The American National Bank of Texas
1100	$898,000	Concordia Bank & Trust Company
1101	$892,000	Citizens First Bank
1102	$890,000	LincolnWay Community Bank
1103	$880,000	Citizens Tri-County Bank
1104	$879,000	Farmers Trust and Savings Bank
1105	$861,000	CNB Bank, Inc.
1106	$844,000	First State Bank of Middlebury
1107	$840,000	Premier Bank Rochester
1108	$835,000	Field & Main Bank
1109	$833,000	Farmers State Bank
1110	$831,000	BANKWEST
1111	$821,000	Harmony Bank
1112	$815,000	Charter Bank
1113	$795,000	NSB Bank
1114	$789,000	Woodford State Bank
1115	$784,000	Bank of Lake Mills
1116	$783,000	Sycamore Bank
1117	$780,000	First State Bank
1118	$761,000	First Robinson Savings Bank
1119	$756,000	Denmark State Bank
1120	$755,000	First Citizens State Bank
1121	$749,000	Lea County State Bank
1122	$744,000	Community Partners Savings Bank
1123	$730,000	Flagship Bank Minnesota
1124	$724,000	Iowa State Bank
1125	$721,000	Citizens State Bank
1125	$721,000	Sterling State Bank
1127	$710,000	Citizens Bank
1128	$709,000	Farmers State Bank
1129	$694,000	Village Bank
1130	$687,000	Cornerstone Community Bank
1130	$687,000	Two Rivers Bank & Trust
1132	$680,000	Premier Bank
1133	$675,000	Security State Bank of Kenyon
1134	$654,000	Ridgewood Savings Bank
1135	$651,000	Builtwell Bank
1136	$650,000	River Bank
1137	$649,000	Park Bank
1138	$641,000	F&M Bank
1139	$640,000	Municipal Trust and Savings Bank
1140	$638,000	First Keystone Community Bank
1141	$637,000	1st United Bank
1142	$618,000	First Bank, Upper Michigan
1143	$615,000	Rayne Building and Loan Association
1144	$605,000	City Bank & Trust Co.
1144	$605,000	First Community Bank
1146	$602,000	First State Bank of DeKalb County
1147	$598,000	Custer Federal State Bank
1147	$598,000	Exchange State Bank
1149	$593,000	The Peoples Bank
1150	$591,000	The Farmers State Bank of Westmoreland
1151	$590,000	GNB Bank
1152	$572,000	Union State Bank
1153	$566,000	Ozark Bank
1154	$565,000	Security Bank
1155	$560,000	Greenville National Bank
1156	$558,000	Union State Bank
1157	$552,000	ProGrowth Bank
1158	$540,000	TruBank
1159	$531,000	The Bank of Elk River
1160	$524,000	First State Bank
1161	$519,000	CBBC Bank
1162	$515,000	Lake Region Bank
1163	$510,000	North Shore Bank, a Co-operative Bank
1164	$503,000	Halstead Bank
1165	$500,000	First Northern Bank of Dixon
1165	$500,000	First State Bank
1167	$499,000	Dean Co-operative Bank
1168	$496,000	Westbury Bank
1169	$495,000	Union State Bank of Hazen
1170	$488,000	The National Bank of Blacksburg
1171	$487,000	First Independence Bank
1172	$485,000	Heritage Bank
1172	$485,000	Peoples Savings Bank of Rhineland
1174	$484,000	Federation Bank
1174	$484,000	South Ottumwa Savings Bank
1176	$477,000	First National Bank in Olney
1177	$475,000	Grant County Bank
1178	$470,000	FreedomBank
1179	$458,000	United Citizens Bank of Southern Kentucky
1180	$454,000	Chelsea Groton Bank
1181	$444,000	State Bank & Trust Co.
1182	$404,000	Security Federal Savings Bank of McMinnville
1183	$396,000	National Exchange Bank and Trust
1184	$395,000	The Miners State Bank
1185	$392,000	Lyons Federal Bank
1186	$390,000	Bellevue State Bank
1187	$388,000	Bridge Community Bank
1188	$374,000	Commercial Trust Company of Fayette
1189	$370,000	First Missouri State Bank
1189	$370,000	Leighton State Bank
1191	$365,000	PEOPLES BANK OF MIDDLE TENNESSEE
1191	$365,000	The Clinton National Bank
1193	$362,000	Territorial Savings Bank
1194	$352,000	Guthrie County State Bank
1195	$350,000	MRV Banks
1196	$344,000	Raccoon Valley Bank
1197	$340,000	The First National Bank of Pandora
1198	$321,000	The Citizens Bank
1199	$319,000	Chesapeake Bank of Maryland
1200	$318,000	Citizens State Bank Norwood Young America
1201	$316,000	Farmers and Merchants Union Bank
1202	$308,000	Reliance State Bank
1203	$306,000	Cleveland State Bank
1204	$304,000	Third Coast Bank, SSB
1205	$291,000	Golden Belt Bank, FSA
1206	$290,000	Citizens Community Bank
1207	$287,000	First State Bank and Trust
1208	$285,000	Mercer Savings Bank
1208	$285,000	Town & Country Bank
1210	$282,000	Interaudi Bank
1211	$280,000	First New Mexico Bank of Silver City
1212	$273,000	Patriots Bank
1213	$256,000	First Farmers & Merchants National Bank
1214	$250,000	Merchants & Farmers Bank of Greene County, Alabama
1215	$243,000	Security Bank of Pulaski County
1216	$242,000	Connecticut Community Bank
1217	$240,000	First National Bank in New Bremen
1218	$223,000	Peoples Savings Bank
1219	$221,000	Premier Bank
1220	$217,000	Farmers State Bank of Alto Pass, Ill.
1221	$212,000	Milford Federal Bank
1222	$210,000	Cornerstone State Bank
1223	$200,000	North American Banking Company
1224	$192,000	Citizens Bank of Rogersville
1225	$188,000	Capitol Bank
1226	$176,000	Success Bank
1227	$174,000	Woodlands Bank
1228	$172,000	People's Bank and Trust Company of Pickett County
1229	$171,000	Bank of Luxemburg
1229	$171,000	The Stephenson National Bank and Trust
1231	$170,000	The Union Bank
1232	$153,000	State Bank of Graymont
1233	$150,000	Bank of Prairie du Sac
1233	$150,000	Connections Bank
1235	$147,000	The National Bank of Middlebury
1236	$138,000	Midwest Heritage Bank, FSB
1237	$128,000	Farmers State Bank
1238	$112,000	The Harvard State Bank
1239	$106,000	Savings Bank of Mendocino County
1240	$87,000	Spring Valley City Bank
1241	$78,000	Marathon Bank
1242	$76,000	Home State Bank
1243	$64,000	Coulee Bank
1244	$62,000	Green Belt Bank & Trust
1245	$54,000	Consumers National Bank
1246	$14,000	The Citizens State Bank
1247	$9,000	Citizens First Bank
1247	$9,000	Keystone Savings Bank
1249	$6,000	Century Bank and Trust
1249	$6,000	Peoples Bank and Trust Company
1251	$4,000	Holcomb Bank
1252	$1,000	Peoples Exchange Bank
1253	$0	1st Advantage Bank
1253	$0	1st Bank in Hominy
1253	$0	1st Bank of Sea Isle City

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

Link

Join the TheDinarian Community

To read more articles like this, sign up and join my community today

What else you may like…

Videos

Podcasts

Posts

Articles

thedinarian@thedinarian

July 30, 2025

🚨NEW: Watch @BoHines sit down with @CryptoAmerica_

Watch @BoHines sit down with @CryptoAmerica_ to discuss key details of the White House crypto report including anticipated new DOJ guidance, as well as fresh commentary on the @rstormsf trial, and the nomination of @BrianQuintenz to lead the @CFTC.

00:28:43

thedinarian@thedinarian

July 30, 2025

Why Invest In XRP?

Because Ripple Is EVERYWHERE!

This is on Wall Street... NY

00:00:06

thedinarian@thedinarian

July 30, 2025

👉"You're gonna be told that there is a craft on its way to Earth.

"That 100 fxxxing percent is the lie you are going to be told."

Jeremy Corbell in January 2025

00:02:38

thedinarian@thedinarian

October 31, 2024

👉 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.

thedinarian@thedinarian

59 minutes ago

In the latest episode of the XDC MENA Podcast, host Rebecah Dausen is joined by Amir Neghabian, founder of Vital Veda, to explore how blockchain is modernizing the way we approach Fitness.

Why you should tune in:
-Learn how decentralized systems can verify the authenticity of Fitness
-Discover how Web3 opens access to Fitness knowledge
-Understand XDC’s role in enabling trusted, wellness-driven ecosystems

🎥 Watch now:

thedinarian@thedinarian

1 hour ago

Still the best infographic about total #XRP circulation, updated. (SBI Holdings fiscal year end report)

~36b left in escrow..

thedinarian@thedinarian

1 hour ago

The @WhiteHouse cited Pyth in its latest report on digital financial technology, linking to the network’s research on building perpetual futures.

A small mention, but a meaningful signal that onchain finance is gaining visibility in the broader policy conversation.

As discussions around modernization and regulation continue, one thing is clear: transparent, real-time market data is no longer just a back-office detail. It’s foundational to the next chapter of global finance.

The price of everything, everywhere 🇺🇸

https://whitehouse.gov/wp-content/uploads/2025/07/Digital-Assets-Report-EO14178.pdf

thedinarian@thedinarian

July 28, 2025

PYTH: We'll Always Have Coldplay

Welcome back to The Epicenter, where crypto chaos meets corporate cringe.

But surprisingly, crypto has not been the most chaotic corner of the internet as of late.

That honor goes to the startup Astronomer, whose CEO’s cheating scandal broke the web in a glorious meme-fueled media frenzy. The company’s damage control? Hiring Gwyneth Paltrow as a “temporary spokesperson.” Do we think they’re grasping at straws or setting a new standard for PR?

Meanwhile, the markets didn’t blink. BTC is still flexing near its all-time highs. Michael Saylor’s bringing a bitcoin-adjacent money-market product to Wall Street. A pharma company just earmarked $700M to stack BNB, and analysts are calling time of death on the four-year crypto cycle. It’s a steady boom now, kittens.

A few things that are also worth noting: Winklevoss vs. JPMorgan, Visa’s take on stablecoins, and Robinhood’s Euro drama that defies the chillness of eurosummer.

Let’s get into it 👇

⛓️ The On-Chain Pulse: What’s Happening on the Front Lines of Finance

This week’s biggest news in crypto and all things digital assets

PR crisis? Just add Gwyneth; data company Astronomer tapped Gwyneth Paltrow as its “temporary spokesperson” amid a workplace cheating scandal—because nothing says damage control like Chris Martin’s ex-wife
Winklevoss twins claim JPMorgan blocked Gemini onboarding in retaliation for criticizing its new data access fees—JPM says it’s just trying to protect consumers
Michael Saylor is backing a new money-market-style fund that doesn’t hold Bitcoin directly, but taps its return profile to deliver high yields to Wall Street investors
Windtree Therapeutics—a Nasdaq-listed drug company—plans to buy up to $700M in BNB after the token hit a new ATH, raising eyebrows as it adds the fifth-largest crypto to its balance sheet
The 4-year crypto cycle is “officially dead,” according to experts, who now see a steadier boom driven by ETFs, institutional demand, and macro tailwinds
Bitcoin Cash surged past $580 this weekend, with analysts eyeing a breakout toward the $620–$680 range amid bullish chart patterns
Two brokers are battling to become Asia’s Robinhood as Hong Kong’s new stablecoin bill sparks optimism around a boom in regional crypto trading
Visa’s head of crypto says the payments giant isn’t sweating stablecoins, despite growing momentum across blockchain-based payment rails
Senator Elizabeth Warren slammed the GENIUS Act (to absolutely no one’s surprise) warning that crypto lobbying is setting up Americans to "pay the price" like they did before the 2008 financial crisis
XRP Mining just launched a mobile app that turns your smartphone into a passive income machine—no hardware, no skills, just daily mining rewards from your pocket

🗣️ Word on the Street: What the Experts are Saying

Stuff you should repost (or maybe even cough reword and take credit for)

Doug Colkitt argues that DeFi’s obsession with decentralization at all costs sacrifices performance, and what the space really needs is minimum viable decentralization (MVD)
Kinjal Shah of Blockchain Capital points to the latest charts showing that DEXs are flipping CEXs and the “DeFi mullet” is officially in style; think slick frontends, protocol backends, and a market moving at warp speed
David Sacks says this week marked a turning point for US AI policy, with Trump’s first major AI speech, a new White House Action Plan, and three executive orders signed into law
Emilie Choi of Coinbase says she doesn’t want to be the best female COO—just the best COO
Boring Business reminds us that em dashes have been ruined forever (we should probably hold a funeral)

Meme of the Week

🏦 Kiss my SaaS: What’s Changing the Game for Fintech

Things you should care about if you want to impress your coworkers

Estonia’s top tech founders are backing Lightyear, a European Robinhood rival that just raised $23M and dropped new AI features to help retail investors decode stock moves
Fintech and crypto groups are urging Trump to safeguard open banking rules, warning that rollbacks could jeopardize access to wallets, DeFi apps, and stablecoins amid mounting pressure from traditional banks
Robinhood stock is up 280% as the company leans into crypto and wealth management—but analysts are cooling off, citing overvaluation risks despite the growth
Meta is investing $14.3B into Scale AI and hiring its CEO, Alexandr Wang, as part of a sweeping AI push that marks one of the biggest talent acquisitions in the space this year
Mastercard’s 2024 Impact Report spotlights its efforts across financial inclusion, climate action, and digital access, framed around its “People, Prosperity & Planet” pillars

Closing Thoughts

From meme-fueled PR stunts to Bitcoin-backed money-market funds, this week reminded us that markets move fast—and headlines move faster. With Wall Street automating itself, fintechs beefing with banks, and even your smartphone becoming a miner, anything is possible. Stay curious, stay cynical, and as always—stay sharp and stay liquid. We’ll see you back here in two weeks.

— The Epicenter, powered by Pyth Network

Source

🙏 Donations Accepted 🙏

If you find value in my content, consider showing your support via:

💳 PayPal:
1) Simply scan the QR code below 📲
2) or visit https://www.paypal.me/thedinarian

🔗 Crypto – Support via Coinbase Wallet to: [email protected]

Read full Article

thedinarian@thedinarian

July 27, 2025

4 Fintech Companies 💸& Things To Know About 🤔

The fintech revolution is reshaping the way we manage, invest, and move money, breaking down traditional barriers and empowering individuals worldwide. As financial technology continues to evolve at a rapid pace, a select group of innovative companies are leading the charge by offering groundbreaking solutions that redefine banking, payments, and digital assets. Whether you’re a savvy investor, an industry professional, or simply curious about the future of finance, discovering these trailblazing fintech companies is essential to understanding today’s dynamic financial landscape.

Alina Invest - The AI Wealth Manager for GenZ Women

Alina is aimed at women under 25 who identify as beginner investors. They're an SEC-registered investment advisor that charges $120/year for membership. The service "buys and sells for you" and gives up notification updates of recent transactions like a wealth manager would.

👉 Getting people to invest early is crucial to building long-term wealth. One thing that holds them back is a lack of confidence and experience. Being targetted "for beginners" and people who live on TikTok should appeal. I love the sense of "we're buying and selling for you." Funds always do that, but making it an engagement mechanic is very smart. The risk here is that building a wealth business will take decades for the AUM to compound. But the next generations, Wealthfront or Betterment, will look something like Alina.

2. Blue layer - The Carbon project funding platform

Bluelayer allows Carbon project developers to take from feasibility studies to issuing credits, tracking inventory, and managing orders. Developers of reforestation, conservation, direct air capture, and other projects can also directly report to industry registries.

👉 Carbon investing and tax credits are heavily incentivized but need transparent data. By focusing on the developers, Bluelayer can ensure the data, reporting, and credits lifecycle is all managed at the source. This is smart.

3. Akirolabs - Modern Procurement for enterprise

Akiro is a "strategic" procurement platform aiming to help enterprise customers identify risks, value drivers, and strategic levers before issuing an RFP. It aims to bring in multiple stakeholders for complex purchasing decisions at multinationals.

👉 Procurement is a great wedge for multinational corporate transformation. Buying anything in an enterprise that uses large-scale ERPs is a nightmare of committees and spreadsheets. Turning an oil tanker-sized organization around is difficult, but the right suppliers can have a meaningful impact in the short term. That only works if you can buy from them. Getting people on the same page with a single platform is a great start.

4. NeoTax - Automated Tax R&D Credits

NeoTax allows companies to connect their engineering tools to calculate available tax advantages automatically. Once calculated, the tax fillings are clearly labeled with supporting evidence for the IRS.

👉 AWS and GCP log files and data are a goldmine. Last week, I covered Bilanc, which uses log files to figure out per-account unit economics. Now, we calculate R&D tax credits. The unlock here is LLM's ability to understand unstructured data. The hard part is understanding the moat, but time will tell.

In an era where technology and finance are increasingly intertwined, these four fintech companies stand out as catalysts for positive change. By driving progress in digital payments, asset management, lending, and decentralized finance, they are not only making financial services more accessible and efficient—they are also paving the way for a more inclusive and empowered global economy. Staying informed about their innovations can help you seize new opportunities and take part in the future of finance.

👀Things to know 👀

1. PayPal’s Q4 Results are weak sauce / Adyen’s revenue up 22%

PayPal issued low guidance and warned of a “transition year.” The stock is down 8% in extended trading despite PayPal reporting a 9% growth in revenue and 23% EBITDA. Gross profit is down 4% YoY. PayPal's total revenues were $29Bn for the year

Adyen reported 22% revenue growth and an EBITDA margin of 46% for the full year. Adyen's total revenues were $1.75bn for the full year. The margin was down from 55% the previous year, impacted by hiring ahead of growth.

🤔 PayPal’s Braintree (unbranded) is losing market share in the US, while Adyen is winning it. eCommerce is growing ~9 to 10% YoY, and PayPal’s transaction revenue grew by 6.7%. The higher interest rate environment meant interest on balances dragged up the total revenue figure. Their core business is losing market share. Adyen is outgrowing the market by ~12%.

🤔 The PayPal button (branded) is losing to SHOP Pay and Apple Pay. The branded experience from Apple and Shopify is delightful for users; it’s fast and helps with small details like delivery tracking. That experience translates to higher conversion (and more revenue) for merchants.

🤔 The lack of a single global platform hurts PayPal, but it helps Adyen. In the earnings call, the new CEO admitted their mix of platforms like Venmo, PayPal, and Braintree are holding them back. They aim to combine and simplify, but that’s easier said than done.

🤔 Making a single platform from PayPal, Venmo, and Braintree won’t be easy. There’s a graveyard of payment company CEOs who tried to make “one platform” from things they acquired years ago. It’s crucial if they’re going to grow that they get their innovation edge back. Adyen has one platform in every market.

🤔 PayPal’s UK and European acquiring business is a bright spot. The UK and EU delivered 20% of overall revenue, growing 11% YoY. Square and Toast don’t have market share here, while iZettle, which PayPal acquired in 2018, is a strong market player. Overall though, it’s yet another tech stack and business that’s not part of a single global platform.

2. Iran used Santander and Lloyds Bank to evade sanctions.

The two banks provided accounts to UK front companies secretly owned by an Iranian petrochemicals company. PCC has used these entities to receive funds from Iranian entities in China, concealed with trustee agreements and nominee directors.

🤔 This is the headline every bank CEO fears. Oof. Shares of both banks have been down since the news broke, but this will no doubt involve crisis calls, committees, appearing in front of the regulator, and, finally, some sort of fine.

🤔 The "risk-based approach" has been arbitraged. A UK company with relatively low annual revenue would look "low risk" at onboarding. One business the FT covered looked like a small company at a residential address to compliance staff. They'd likely apply branch-level controls instead of the enterprise-grade controls you'd see for a large corporation.

🤔 Hiring more staff won't fix this problem; it's a mindset and technology challenge. In theory, all of the skill and technology that exists to manage risks with large corporate customers (in the transaction banking divisions) are available to the other parts of a bank. In practice, they're not. Most banks lack a single data set and the ability for compliance officers in one team to see data from another part of the org. Getting the basics right with data and tooling is incredibly hard and will involve a multi-year effort.

🤔 These things are rarely the failure of an individual or department; the issue is systemic. While two banks are named in this headline, the issue is everywhere. Banks need more data and better data to train better AI and machine learning. That all needs to happen in real-time as a compliment to the human staff. Throwing bodies at this won't solve the visibility issue teams have.

🙏 Donations Accepted 🙏

If you find value in my content, consider showing your support via:

💳 PayPal:

1) Simply scan the QR code below 📲
2) or visit https://www.paypal.me/thedinarian

🔗 Crypto – Support via Coinbase Wallet to: [email protected]

Or Buy me a coffee: https://buymeacoffee.com/thedinarian

Your generosity keeps this mission alive, for all! Namasté 🙏 Crypto Michael ⚡ The Dinarian

Read full Article

thedinarian@thedinarian

July 27, 2025

What is XAH and Xahau?

If you're new to XRP, you may have noticed some of us discussing another network named 'Xahau'.

It's Like XRP ... But Different

The Xahau network was created in 2023, and its starting point was the open-source code for the XRP Ledger. A small team of researchers and entrepreneurs decided to add smart contracts to the network code.

The XRP Ledger has no smart contract capabilities, by default.

To integrate smart contracts, the team decided to use an architecture that includes 'WASM' or 'web assembly' code. Each account can have up to 10 'hooks' installed that are triggered for transactions that match specific criteria. They can run before or after a transaction is processed. This enables a variety of use cases that do not involve the need to change the network's core code.

Hooks

A 'hook' is what is known as a smart contract that can be triggered in relation to a specific account and its transactions.

The term arises from the programming world, where it generally means "code that runs based on triggering conditions." In Xahau's case, it indicates code that is run before, or after, a transaction is processed.

Each hook must be installed on a specific account by the party that controls the account - i.e., the secret key holder.

What Can XAH Do That XRP Cannot?

The primary benefit from the use of hooks, is that the core network code does not need to be changed every time a new use case is identified. This means that additional use cases can be addressed immediately, with no requirement for intervening steps, such as:

Community review
Community approval
Amendment voting

All of those steps are eliminated with the use of hooks; new use cases can be addressed as fast as the code can be developed.

To read more about how hooks enables Xahau to handle more use cases than even the XRPL, you can read this article:

XAH: King of Use Cases

Key Differences From XRP

Other unique differences from the XRP Ledger include:

Much smaller supply ~612 million coins vs. 100 billion coins
XAH hodlers are rewarded at 4% of their account balance. There are no rewards for XRP.
Governance participants are incentivized
Payment channels available for user-created tokens (IOUs)
URI tokens instead of NFT tokens

Who's Who of Xahau?

The list of those that are either founders, or closely associated with the founding organizations, is extensive. Here are the names of three organizations mentioned in the whitepaper, or their current moniker:

Xaman (a.k.a. XRPL Labs)
Gatehub
InFTF (Inclusive Financial Technology Foundation)

There exists a long list of impressive developers, architects, and technologists among the Xahau inner circle. But the three names that people associate most prominently with the leadership of the Xahau network are Wietse Wind, Richard Holland, and Denis Angell. The links to their 'X' accounts are:

Wietse Wind

Richard Holland

Denis Angell

Friend Or Foe?

This topic is one of the most contentious.

While Ripple, the company with the largest stake of XRP, showed interest in hooks early on, they ultimately decided to advocate for a different approach; the use of an EVM-based solution (Ethereum Virtual Machine) to handle smart contracts on the XRP Ledger. This decision was met with consternation by the Xaman team that had worked with them for several years to advocate for the use of hooks.

You can read more about the 'business politics' part of this topic here:

Peanut Butter Manifesto Revisited

So how do Xahau fans view the relationship between XRP and XAH?

The Xahau team - and many of its community members - advocate for the use of a 'dual-chain' solution to implement smart contracts. This can be accomplished by the use of 'listener' software, along with native Xahau hooks.

A proof of concept, developed by Denis Angell, has demonstrated that bi-lateral communication can work with a simple approach.

From an economic standpoint, every chain that has its own digital asset is a competitor; but the simple way to think about Xahau, is that a 'bunch of XRP geeks' decided to implement smart contracts on their own version of the XRP Ledger.

The team emphasized transparency along the way, and initially received support from the primary XRP stakeholder, Ripple. They published Xahau as open-source code that could, in theory, be back-engineered and integrated with the XRP Ledger. You can clearly observe the team's idealistic mindset in early marketing mistakes, where they named their digital asset 'XRP Plus' in an effort to emphasize the way that they viewed their creation. While this resulted in confusion - and even suspicion - in its early days, the team quickly pivoted, and named their digital asset 'XAH', which became its ticker symbol.

Synergy effects between the two camps speak to a genuine camaraderie, with many Xahau developers being open and willing to help with changes to the core XRP Ledger protocol. You can find many examples of this open dialogue on the 'X' platform.

How To Purchase XAH

If you wish to speculate by buying XAH directly, it is available in a variety of convenient locations, depending on where you are located. If you're in a country that is supported by Bitrue, you can directly purchase or trade XAH by using that exchange.

On January 20th, 2025, Bitmart announced that it supports trading of XAH for customers in their list of supported countries; And in late March, another major exchange announced that they would be supporting XAH trading pairs: Coinex.

If you're located in the United States, you can purchase XAH directly from a vendor known as 'C14'. The xApp for C14 is located in the Xaman wallet.

XRP Ledger geeks can also purchase XAH IOUs on the XRPL Dex and then convert them to 'real' XAH using a Gatehub bridge. This is available in countries that Gatehub supports.

Which XAH Accounts Should I Follow?

On the 'X' platform, there exists two major community groups for XAH fans:

In addition to the Xahau notables I've already mentioned in this article, my advice is to take a look at who is posting in the above two communities. There are many impressive leaders and entrepreneurs included. You should be able to find multiple 'X' accounts that reflect your interests.

Xahau Development Roadmap

Xahau leaders have published a roadmap for 2025 that lists their various goals for the ecosystem:

To read a detailed explanation for each item, refer to this: Xahau Roadmap Super Thread

One of the most incredible waypoints listed is 'JavaScript Hooks Implementation.' 🤯

JavaScript!

With the 'JavaScript Hooks Implementation', Xahau is making history; it will enable anybody that knows JavaScript to easily create and install a smart contract. While networks like Ethereum are impressive early movers, they require developers to learn a new language and syntax.

Xahau will soon open 'crypto smart contracts' to a group of developers that number in the tens of millions.

Project L-10K

Project L-10K is one of the most important items in the pipeline. L-10K refers to the effort to boost the throughput of Xahau consensus to over 10,000 transactions per ledger! This will benefit hosted projects such as Evernode, and future issued assets. Heading up the effort is Richard Holland, who provided a progress update to the community in late May of 2025:

To learn more about this ambitious effort, you can watch his full presentation here:

https://x.com/Hodor/status/1925266688653787619

The Future Of Defi And Payments

Once you've seen the extensive list of use cases that XAH easily handles, it's truly inspiring. Xahau is everything that you love about XRP, plus a long list of more things to love. ❤️

Be an early adopter of XAH and the Xahau network! Join the community groups listed and follow the accounts that seem to reflect your own interest - speculator, developer, or crypto fan. You have a place in our community, no matter what your background or interests are. Welcome to the future of crypto Defi and Payments.

Sources:

https://en.wikipedia.org/wiki/WebAssembly

https://docs.xahau.network/readme/what-is-different

https://xahau.network/Xahau-Whitepaper.pdf

https://docs.xahau.network/

NOTE: Payment channels for IOUs is currently in amendment status for the XRP Ledger, authored by Denis Angel here:

https://github.com/XRPLF/XRPL-Standards/discussions/287

https://x.com/angell_denis/status/1826617270552191040

https://c14.money/blog/xaman-c14

https://www.bitrue.com/trade/xah_usdt

https://coinex-announcement.zendesk.com/hc/en-us/articles/36042461173780-CoinEx-Will-List-XAH-Xahau-on-Mar-27-2025

https://support.gatehub.net/hc/en-us/articles/15282264784530-How-to-transfer-GateHub-issued-tokens-between-the-XRP-Ledger-and-Xahau-network