Regulatory Capital Rules (Part I): Regulatory Capital, Minimum Regulatory Capital Ratios, Capital Adequacy, Transition Provisions

430 organizations filed 458 public comments on Regulatory Capital Rules (Part I): Regulatory Capital, Minimum Regulatory Capital Ratios, Capital Adequacy, Transition Provisions, at the Office of the Comptroller of the Currency. The comment window closed 5027d ago.

Abstract

The Office of the Comptroller of the Currency (OCC), Board of Governors of the Federal Reserve System (Board), and the Federal Deposit Insurance Corporation (FDIC) (collectively, the agencies) are seeking comment on three Notices of Proposed Rulemaking (NPR) that would revise and replace the agencies' current capital rules. In this NPR, the agencies are proposing to revise their risk-based and leverage capital requirements consistent with agreements reached by the Basel Committee on Banking Supervision (BCBS) in ``Basel III: A Global Regulatory Framework for More Resilient Banks and Banking Systems'' (Basel III). The proposed revisions would include implementation of a new common equity tier 1 minimum capital requirement, a higher minimum tier 1 capital requirement, and, for banking organizations subject to the advanced approaches capital rules, a supplementary leverage ratio that incorporates a broader set of exposures in the denominator measure. Additionally, consistent with Basel III, the agencies are proposing to apply limits on a banking organization's capital distributions and certain discretionary bonus payments if the banking organization does not hold a specified amount of common equity tier 1 capital in addition to the amount necessary to meet its minimum risk- based capital requirements. This NPR also would establish more conservative standards for including an instrument in regulatory capital. As discussed in the proposal, the revisions set forth in this NPR are consistent with section 171 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), which requires the agencies to establish minimum risk-based and leverage capital requirements. In connection with the proposed changes to the agencies' capital rules in this NPR, the agencies are also seeking comment on the two related NPRs published elsewhere in today's Federal Register. The two related NPRs are discussed further in the SUPPLEMENTARY INFORMATION.

Commenters (430)

• Mortgage Bankers Associationtrade assoc.

  5 filings · confidence 97%
• Community National Bank of Senecaunverified attribution

  4 filings · confidence 70%
• First National Bank Cloverdaleunverified attribution

  4 filings · confidence 70%
• Inc 2.unverified attribution

  4 filings · confidence 70%
• American Bankers Associationtrade assoc.

  3 filings · confidence 97%
• Citizens National Bank Hendersonunverified attribution

  2 filings · confidence 70%
• Community National Bank Senecaunverified attribution

  2 filings · confidence 70%
• F.N.B. Corporationunverified attribution

  2 filings · confidence 70%
• First Citizens National Bankunverified attribution

  2 filings · confidence 70%
• First National Bankunverified attribution

  2 filings · confidence 70%
• First National Bank - Trinityunverified attribution

  2 filings · confidence 70%
• First National Bank Ronceverteunverified attribution

  2 filings · confidence 70%
• First State Bank Union Cityunverified attribution

  2 filings · confidence 70%
• Florida International Bankers Associationtrade assoc.

  2 filings · confidence 85%
• Inc. (5)unverified attribution

  2 filings · confidence 70%
• Minnesota Bankers Associationtrade assoc.

  2 filings · confidence 85%
• The First National Bank of Harveyvilleunverified attribution

  2 filings · confidence 70%
• The National Bank & Trust Companyunverified attribution

  2 filings · confidence 70%
• & State Street Corporationunverified attribution

  1 filing · confidence 70%
• & The Financial Services Roundtabletrade assoc.

  1 filing · confidence 85%
• & The Financial Services Roundtable (3)trade assoc.

  1 filing · confidence 85%
• 1st National Bank of Scotiaunverified attribution

  1 filing · confidence 70%
• 1st New Mexico Bank of Silver City & 1st New Mexico Financial Corporationunverified attribution

  1 filing · confidence 70%
• Alliance Banktrade assoc.

  1 filing · confidence 85%
• Alliance Bank Sulphur Springstrade assoc.

  1 filing · confidence 85%
• AMB Financial Corp.unverified attribution

  1 filing · confidence 70%
• American Insurance Associationtrade assoc.

  1 filing · confidence 85%
• American National Bank Ardmoreunverified attribution

  1 filing · confidence 70%
• American National Bank Fox Citiesunverified attribution

  1 filing · confidence 70%
• American National Bank of Texasunverified attribution

  1 filing · confidence 70%
• American National Bank of Texas (2)unverified attribution

  1 filing · confidence 70%
• American National Bank- +330 Similar Letters Receivedunverified attribution

  1 filing · confidence 70%
• American National Bankshares Inc. & American National Bank & Trust Co.unverified attribution

  1 filing · confidence 70%
• Ames National Corporationunverified attribution

  1 filing · confidence 70%
• ANB Bank & Sturm Financial Groupunverified attribution

  1 filing · confidence 70%
• Arkansas State Bank Departmentunverified attribution

  1 filing · confidence 70%
• Artesia National Bankunverified attribution

  1 filing · confidence 70%
• Artesia National Bank (2)unverified attribution

  1 filing · confidence 70%
• Ballinger National Bankunverified attribution

  1 filing · confidence 70%
• Ballston Spa National Bankunverified attribution

  1 filing · confidence 70%
• Bank First Nationalunverified attribution

  1 filing · confidence 70%
• Bay View Federal Savings & Loan Associationtrade assoc.

  1 filing · confidence 85%
• Beverly Cooperative Bankunverified attribution

  1 filing · confidence 70%
• Bradford National Bankunverified attribution

  1 filing · confidence 70%
• Braintree Cooperative Bankunverified attribution

  1 filing · confidence 70%
• Brenham National Bankunverified attribution

  1 filing · confidence 70%
• Broadway Bancshares Inc.unverified attribution

  1 filing · confidence 70%
• Brown & Company Bankunverified attribution

  1 filing · confidence 70%
• Buena Vista National Bankunverified attribution

  1 filing · confidence 70%
• Buena Vista National Bank (10)unverified attribution

  1 filing · confidence 70%
• Buena Vista National Bank (11)unverified attribution

  1 filing · confidence 70%
• Buena Vista National Bank (12)unverified attribution

  1 filing · confidence 70%
• Buena Vista National Bank (13)unverified attribution

  1 filing · confidence 70%
• Buena Vista National Bank (14)unverified attribution

  1 filing · confidence 70%
• Buena Vista National Bank (15)unverified attribution

  1 filing · confidence 70%
• Buena Vista National Bank (16)unverified attribution

  1 filing · confidence 70%
• Buena Vista National Bank (17)unverified attribution

  1 filing · confidence 70%
• Buena Vista National Bank (18)unverified attribution

  1 filing · confidence 70%
• Buena Vista National Bank (19)unverified attribution

  1 filing · confidence 70%
• Buena Vista National Bank (2)unverified attribution

  1 filing · confidence 70%
• Buena Vista National Bank (3)unverified attribution

  1 filing · confidence 70%
• Buena Vista National Bank (4)unverified attribution

  1 filing · confidence 70%
• Buena Vista National Bank (5)unverified attribution

  1 filing · confidence 70%
• Buena Vista National Bank (6)unverified attribution

  1 filing · confidence 70%
• Buena Vista National Bank (7)unverified attribution

  1 filing · confidence 70%
• Buena Vista National Bank (8)unverified attribution

  1 filing · confidence 70%
• Buena Vista National Bank (9)unverified attribution

  1 filing · confidence 70%
• California Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Cambridge Trust Companyunverified attribution

  1 filing · confidence 70%
• Camden National Corporationunverified attribution

  1 filing · confidence 70%
• Canandaigua National Bank & Trustunverified attribution

  1 filing · confidence 70%
• Cardinal Financial Corporationunverified attribution

  1 filing · confidence 70%
• Carolina Financial Corporationunverified attribution

  1 filing · confidence 70%
• Carolina Financial Corporation (2)unverified attribution

  1 filing · confidence 70%
• Carolina Financial Corporation (3)unverified attribution

  1 filing · confidence 70%
• Carroll County Trust Companyunverified attribution

  1 filing · confidence 70%
• Central Mortgage Companyunverified attribution

  1 filing · confidence 70%
• Citizens Banking Corporationunverified attribution

  1 filing · confidence 70%
• Citizens National Bank - Athensunverified attribution

  1 filing · confidence 70%
• Citizens National Bank of Texasunverified attribution

  1 filing · confidence 70%
• Citizens National Bank of Texas (2)unverified attribution

  1 filing · confidence 70%
• Citizens Savings & Loan Associationtrade assoc.

  1 filing · confidence 85%
• Citizens Security Bank & Trust Co.unverified attribution

  1 filing · confidence 70%
• Clawson & Staubes LLCunverified attribution

  1 filing · confidence 70%
• Clear Lake Bank & Trust Co.unverified attribution

  1 filing · confidence 70%
• Colorado Association of Mechanical & Plumbing Contractorstrade assoc.

  1 filing · confidence 85%
• Colorado Association of Realtorstrade assoc.

  1 filing · confidence 85%
• Colorado Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Comanche National Bank (1)unverified attribution

  1 filing · confidence 70%
• Comanche National Bank (10)unverified attribution

  1 filing · confidence 70%
• Comanche National Bank (2)unverified attribution

  1 filing · confidence 70%
• Comanche National Bank (3)unverified attribution

  1 filing · confidence 70%
• Comanche National Bank (4)unverified attribution

  1 filing · confidence 70%
• Comanche National Bank (5)unverified attribution

  1 filing · confidence 70%
• Comanche National Bank (6)unverified attribution

  1 filing · confidence 70%
• Comanche National Bank (7)unverified attribution

  1 filing · confidence 70%
• Comanche National Bank (8)unverified attribution

  1 filing · confidence 70%
• Comanche National Bank (9)unverified attribution

  1 filing · confidence 70%
• Commerce Union Bankunverified attribution

  1 filing · confidence 70%
• Commercial Bank & Trust Co.unverified attribution

  1 filing · confidence 70%
• Commercial Banking Companyunverified attribution

  1 filing · confidence 70%
• Commercial National Bankunverified attribution

  1 filing · confidence 70%
• Community Bank Corporationunverified attribution

  1 filing · confidence 70%
• Community Bankers Association of Illinoistrade assoc.

  1 filing · confidence 85%
• Community Bankers Association of Illinois (2)trade assoc.

  1 filing · confidence 85%
• Community Bankers Association of Ohiotrade assoc.

  1 filing · confidence 85%
• Community Banking Company of Fitzgeraldunverified attribution

  1 filing · confidence 70%
• Community Development Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Community National Bankunverified attribution

  1 filing · confidence 70%
• Community National Bank & Trustunverified attribution

  1 filing · confidence 70%
• Community National Bank Cedar Fallsunverified attribution

  1 filing · confidence 70%
• Community National Bank Hondounverified attribution

  1 filing · confidence 70%
• Community National Bank in Senecaunverified attribution

  1 filing · confidence 70%
• Community National Bank Midlandunverified attribution

  1 filing · confidence 70%
• Community National Bank Rossvilleunverified attribution

  1 filing · confidence 70%
• Community National Bank Waterloounverified attribution

  1 filing · confidence 70%
• Concordia Bank & Trust Co.unverified attribution

  1 filing · confidence 70%
• Conference of State Bank Supervisorstrade assoc.

  1 filing · confidence 85%
• Connecticut Department of Bankingunverified attribution

  1 filing · confidence 70%
• Consumer Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Continental National Bank of Miamiunverified attribution

  1 filing · confidence 70%
• Cornerstone National Bankunverified attribution

  1 filing · confidence 70%
• Council of Community Banking Associationstrade assoc.

  1 filing · confidence 85%
• Council of Federal Home Loan Bankstrade assoc.

  1 filing · confidence 85%
• CRE Finance Counciltrade assoc.

  1 filing · confidence 85%
• CRO Counciltrade assoc.

  1 filing · confidence 85%
• Denver Metro Chamber of Commerce & Affiliatestrade assoc.

  1 filing · confidence 85%
• DNB National Bankunverified attribution

  1 filing · confidence 70%
• Donegal Mutual Insurance Companyunverified attribution

  1 filing · confidence 70%
• Durden Banking Companyunverified attribution

  1 filing · confidence 70%
• Durden Banking Company (2)unverified attribution

  1 filing · confidence 70%
• Economic Alliance-Snohomish Countytrade assoc.

  1 filing · confidence 85%
• Emprise Finanical Corporationunverified attribution

  1 filing · confidence 70%
• Ephrata National Bankunverified attribution

  1 filing · confidence 70%
• Exchange National Bankunverified attribution

  1 filing · confidence 70%
• Farmers and Merchants National Bankunverified attribution

  1 filing · confidence 70%
• Farmers National Bank of Griggsvilleunverified attribution

  1 filing · confidence 70%
• Fayette County National Bankunverified attribution

  1 filing · confidence 70%
• Federation Banktrade assoc.

  1 filing · confidence 85%
• Federation Bank (2)trade assoc.

  1 filing · confidence 85%
• Fidelity Federal Savings & Loans Associationtrade assoc.

  1 filing · confidence 85%
• Fidelity Financial Corporationunverified attribution

  1 filing · confidence 70%
• Fifth District Savings Bankunverified attribution

  1 filing · confidence 70%
• FinSer Corporationunverified attribution

  1 filing · confidence 70%
• First Alliance Banktrade assoc.

  1 filing · confidence 85%
• First American National Bankunverified attribution

  1 filing · confidence 70%
• First Bank & Trust Company Mindenunverified attribution

  1 filing · confidence 70%
• First Citizens National Bank Dyersburgunverified attribution

  1 filing · confidence 70%
• First Horizon National Corporationunverified attribution

  1 filing · confidence 70%
• First M&F Corporationunverified attribution

  1 filing · confidence 70%
• First National Bank - Raymondunverified attribution

  1 filing · confidence 70%
• First National Bank & Trust Company of Ardmoreunverified attribution

  1 filing · confidence 70%
• First National Bank & Trust Company of Ardmore (2)unverified attribution

  1 filing · confidence 70%
• First National Bank & Trust Falls Cityunverified attribution

  1 filing · confidence 70%
• First National Bank Altavistaunverified attribution

  1 filing · confidence 70%
• First National Bank Crestonunverified attribution

  1 filing · confidence 70%
• First National Bank Grahamunverified attribution

  1 filing · confidence 70%
• First National Bank in Cimarronunverified attribution

  1 filing · confidence 70%
• First National Bank in Fredoniaunverified attribution

  1 filing · confidence 70%
• First National Bank in Hominyunverified attribution

  1 filing · confidence 70%
• First National Bank in Howellunverified attribution

  1 filing · confidence 70%
• First National Bank in Marlowunverified attribution

  1 filing · confidence 70%
• First National Bank in Marlow (2)unverified attribution

  1 filing · confidence 70%
• First National Bank in Philipunverified attribution

  1 filing · confidence 70%
• First National Bank in Wadenaunverified attribution

  1 filing · confidence 70%
• First National Bank in Wadena (2)unverified attribution

  1 filing · confidence 70%
• First National Bank Minnesotaunverified attribution

  1 filing · confidence 70%
• First National Bank of Bastropunverified attribution

  1 filing · confidence 70%
• First National Bank of Bastrop (2)unverified attribution

  1 filing · confidence 70%
• First National Bank of Battle Lakeunverified attribution

  1 filing · confidence 70%
• First National Bank of Bellville (2)unverified attribution

  1 filing · confidence 70%
• First National Bank of Bellville (3)unverified attribution

  1 filing · confidence 70%
• First National Bank of Bosque Countyunverified attribution

  1 filing · confidence 70%
• First National Bank of Clarksdaleunverified attribution

  1 filing · confidence 70%
• First National Bank of Griffinunverified attribution

  1 filing · confidence 70%
• First National Bank of Hamptonunverified attribution

  1 filing · confidence 70%
• First National Bank of Huntsvilleunverified attribution

  1 filing · confidence 70%
• First National Bank of Kansasunverified attribution

  1 filing · confidence 70%
• First National Bank of Laytonunverified attribution

  1 filing · confidence 70%
• First National Bank of Menahga & Sebekaunverified attribution

  1 filing · confidence 70%
• First National Bank of Moodyunverified attribution

  1 filing · confidence 70%
• First National Bank of Moody (2)unverified attribution

  1 filing · confidence 70%
• First National Bank of Moose Lakeunverified attribution

  1 filing · confidence 70%
• First National Bank of Muscatineunverified attribution

  1 filing · confidence 70%
• First National Bank of Muscatine (2)unverified attribution

  1 filing · confidence 70%
• First National Bank of Nokomisunverified attribution

  1 filing · confidence 70%
• First National Bank of Okawvilleunverified attribution

  1 filing · confidence 70%
• First National Bank of Pandoraunverified attribution

  1 filing · confidence 70%
• First National Bank of Picayuneunverified attribution

  1 filing · confidence 70%
• First National Bank of Scotiaunverified attribution

  1 filing · confidence 70%
• First National Bank of South Padre Islandunverified attribution

  1 filing · confidence 70%
• First National Bank of Steelvilleunverified attribution

  1 filing · confidence 70%
• First National Bank of Tennesseeunverified attribution

  1 filing · confidence 70%
• First National Bank of the Gulf Coastunverified attribution

  1 filing · confidence 70%
• First National Bank of the Rockiesunverified attribution

  1 filing · confidence 70%
• First National Bank of the Rockies (2)unverified attribution

  1 filing · confidence 70%
• First National Bank of Waterloounverified attribution

  1 filing · confidence 70%
• First National Bank Ruidosounverified attribution

  1 filing · confidence 70%
• First National Bank Rustonunverified attribution

  1 filing · confidence 70%
• First National Bank Scott Cityunverified attribution

  1 filing · confidence 70%
• First National Bank Walnut Ridgeunverified attribution

  1 filing · confidence 70%
• First National Bank Waverlyunverified attribution

  1 filing · confidence 70%
• First National Bank- Frankfortunverified attribution

  1 filing · confidence 70%
• First National Bank-Amesunverified attribution

  1 filing · confidence 70%
• First National Bank-Fox Valleyunverified attribution

  1 filing · confidence 70%
• First National Bank/First Frankfort Insuranceunverified attribution

  1 filing · confidence 70%
• First National Bankers Bankunverified attribution

  1 filing · confidence 70%
• First Newton National Bankunverified attribution

  1 filing · confidence 70%
• First Shore Federal Savings and Loan Associationtrade assoc.

  1 filing · confidence 85%
• First Southern National Bankunverified attribution

  1 filing · confidence 70%
• First State Bank and Trust Companyunverified attribution

  1 filing · confidence 70%
• First State Banking Corporationunverified attribution

  1 filing · confidence 70%
• First ULB Corp.unverified attribution

  1 filing · confidence 70%
• First United Bank and Trust Companyunverified attribution

  1 filing · confidence 70%
• First Victoria National Bankunverified attribution

  1 filing · confidence 70%
• First-Lockhart National Bank- +6 Similar Letters Receivedunverified attribution

  1 filing · confidence 70%
• Firstbank Corporationunverified attribution

  1 filing · confidence 70%
• FirstBank Holding Companyunverified attribution

  1 filing · confidence 70%
• Fishback Financial Corporationunverified attribution

  1 filing · confidence 70%
• Fisher Bancorp Inc.unverified attribution

  1 filing · confidence 70%
• Flaherty & Crumrine Incorporatedunverified attribution

  1 filing · confidence 70%
• Founders Financial Corporationunverified attribution

  1 filing · confidence 70%
• Futures Industry Associationtrade assoc.

  1 filing · confidence 85%
• Georgia Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Georgia Banking Companyunverified attribution

  1 filing · confidence 70%
• Glenville Bank Holding Companyunverified attribution

  1 filing · confidence 70%
• Government Finance Officers Associationtrade assoc.

  1 filing · confidence 85%
• Grand Forks Region Economic Development Corporationunverified attribution

  1 filing · confidence 70%
• Great Plains National Bankunverified attribution

  1 filing · confidence 70%
• Great Plains National Bank (2)unverified attribution

  1 filing · confidence 70%
• Great Southern National Bankunverified attribution

  1 filing · confidence 70%
• Greenfield Co-operative Bankunverified attribution

  1 filing · confidence 70%
• Guaranty Bank & Trust Companyunverified attribution

  1 filing · confidence 70%
• Gulf Coast Bank and Trust Companyunverified attribution

  1 filing · confidence 70%
• Hamlin National Bankunverified attribution

  1 filing · confidence 70%
• Haskell National Bankunverified attribution

  1 filing · confidence 70%
• Havana National Bankunverified attribution

  1 filing · confidence 70%
• Havana National Bank (2)unverified attribution

  1 filing · confidence 70%
• Heartland Bank and Trust Companyunverified attribution

  1 filing · confidence 70%
• Heartland Community Bankers Associationtrade assoc.

  1 filing · confidence 85%
• HomeBank & Trust Companyunverified attribution

  1 filing · confidence 70%
• Illinois Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Illinois League of Financial Institutionstrade assoc.

  1 filing · confidence 85%
• Inc. - Archboldunverified attribution

  1 filing · confidence 70%
• Inc. (3)unverified attribution

  1 filing · confidence 70%
• Inc. (4)unverified attribution

  1 filing · confidence 70%
• Inc. (6)unverified attribution

  1 filing · confidence 70%
• Inc.- +10 Similar Letters Receivedunverified attribution

  1 filing · confidence 70%
• Inc.(7)unverified attribution

  1 filing · confidence 70%
• Independent Bank Corp.unverified attribution

  1 filing · confidence 70%
• INDEPENDENT BANKERS ASSOCIATION OF TEXAStrade assoc.

  1 filing · confidence 85%
• Insurance Company Chief Financial Officersunverified attribution

  1 filing · confidence 70%
• Inter-State Federal Savings & Loan Associationtrade assoc.

  1 filing · confidence 85%
• International Bank of Chicagounverified attribution

  1 filing · confidence 70%
• INTRUST Financial Corporationunverified attribution

  1 filing · confidence 70%
• Investment Company Institutetrade assoc.

  1 filing · confidence 85%
• Inwood National Bank (2)unverified attribution

  1 filing · confidence 70%
• Inwood National Bank (3)unverified attribution

  1 filing · confidence 70%
• Inwood National Bank (4)unverified attribution

  1 filing · confidence 70%
• Inwood National Bank (5)unverified attribution

  1 filing · confidence 70%
• Inwood National Bank (6)unverified attribution

  1 filing · confidence 70%
• Inwood National Bank (7)unverified attribution

  1 filing · confidence 70%
• Iowa Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Iowa First Bancshares Corporationunverified attribution

  1 filing · confidence 70%
• Jonestown Bank & Trust Co.unverified attribution

  1 filing · confidence 70%
• Junction National Bankunverified attribution

  1 filing · confidence 70%
• Kentucky Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Kress National Bankunverified attribution

  1 filing · confidence 70%
• Ledyard National Bankunverified attribution

  1 filing · confidence 70%
• Liberty National Bankunverified attribution

  1 filing · confidence 70%
• Litchfield National Bankunverified attribution

  1 filing · confidence 70%
• Louisiana Bankers Association (2)trade assoc.

  1 filing · confidence 85%
• LS3P Associates LTD (2)unverified attribution

  1 filing · confidence 70%
• LS3P Associates LTD.unverified attribution

  1 filing · confidence 70%
• Lubbock National Bankunverified attribution

  1 filing · confidence 70%
• Marion Bank & Trust Company- +3 Similar Letters Receivedunverified attribution

  1 filing · confidence 70%
• Maryland Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Massachusetts Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Massachusetts Housing Partnershiptrade assoc.

  1 filing · confidence 85%
• Mauch Chunk Trust Companyunverified attribution

  1 filing · confidence 70%
• McKenzie Banking Companyunverified attribution

  1 filing · confidence 70%
• Mechanics Cooperative Bankunverified attribution

  1 filing · confidence 70%
• Merchants National Bank of Sacramentounverified attribution

  1 filing · confidence 70%
• Midsize Bank Coalition of Americatrade assoc.

  1 filing · confidence 85%
• Midsize Bank Coalition of America (2)trade assoc.

  1 filing · confidence 85%
• Millbury National Bankunverified attribution

  1 filing · confidence 70%
• Miners National Bank of Evelethunverified attribution

  1 filing · confidence 70%
• Mississippi Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Missouri Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Missouri Bankers Association (2)trade assoc.

  1 filing · confidence 85%
• Moody National Bankunverified attribution

  1 filing · confidence 70%
• Mutual of Omaha Insurance Companyunverified attribution

  1 filing · confidence 70%
• National Asian American Coalitiontrade assoc.

  1 filing · confidence 85%
• National Asian American Coalition (2)trade assoc.

  1 filing · confidence 85%
• National Associationtrade assoc.

  1 filing · confidence 85%
• National Association of Affordable Housing Lenderstrade assoc.

  1 filing · confidence 85%
• National Association of Industrial Bankerstrade assoc.

  1 filing · confidence 85%
• National Association of Insurance Commissionerstrade assoc.

  1 filing · confidence 85%
• National Association of Mutual Insurance Companiestrade assoc.

  1 filing · confidence 85%
• National Association of REALTORStrade assoc.

  1 filing · confidence 85%
• National Bank of Commerceunverified attribution

  1 filing · confidence 70%
• National Consumer Cooperative Bankunverified attribution

  1 filing · confidence 70%
• Nationwide Mutual Insurance Companyunverified attribution

  1 filing · confidence 70%
• Nebraska Bankers Associationtrade assoc.

  1 filing · confidence 85%
• NebraskaLand National Bankunverified attribution

  1 filing · confidence 70%
• New Hampshire Bankers Associationtrade assoc.

  1 filing · confidence 85%
• New Jersey Bankers Associationtrade assoc.

  1 filing · confidence 85%
• New Mexico Bankers Associationtrade assoc.

  1 filing · confidence 85%
• New York Bankers Associationtrade assoc.

  1 filing · confidence 85%
• North American Banking Companyunverified attribution

  1 filing · confidence 70%
• North Carolina Bankers Associationtrade assoc.

  1 filing · confidence 85%
• North Dakota Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Northampton Cooperative Bankunverified attribution

  1 filing · confidence 70%
• Northwest Financial Corp.unverified attribution

  1 filing · confidence 70%
• Oklahoma Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Oklahoma Society of Certified Public Accountantstrade assoc.

  1 filing · confidence 85%
• Oklahoma State Banking Departmentunverified attribution

  1 filing · confidence 70%
• Optima Bank & Trust Companyunverified attribution

  1 filing · confidence 70%
• Oregon Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Ozarks Federal Savings & Loan Associationtrade assoc.

  1 filing · confidence 85%
• Ozarks Federal Savings & Loan Association (2)trade assoc.

  1 filing · confidence 85%
• Panola National Bankunverified attribution

  1 filing · confidence 70%
• Pennsylvania Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Peoples National Bank of Moraunverified attribution

  1 filing · confidence 70%
• Persons Banking Companyunverified attribution

  1 filing · confidence 70%
• Peshtigo National Bankunverified attribution

  1 filing · confidence 70%
• PlainsCapital Corporationunverified attribution

  1 filing · confidence 70%
• Planters Bank & Trust Companyunverified attribution

  1 filing · confidence 70%
• Principal Financial Groupunverified attribution

  1 filing · confidence 70%
• Property Casualty Insurers Association Of Americatrade assoc.

  1 filing · confidence 85%
• Ramsey National Bankunverified attribution

  1 filing · confidence 70%
• Reading Co-operative Bankunverified attribution

  1 filing · confidence 70%
• Regions Financial Corp. & SunTrust Banksunverified attribution

  1 filing · confidence 70%
• Salem Co-operative Bankunverified attribution

  1 filing · confidence 70%
• Savannah River Banking Companyunverified attribution

  1 filing · confidence 70%
• Savings Institute Bank & Trusttrade assoc.

  1 filing · confidence 85%
• SCBT Financial Corporationunverified attribution

  1 filing · confidence 70%
• Security National Bank of Omahaunverified attribution

  1 filing · confidence 70%
• Silvergate Capital Corporationunverified attribution

  1 filing · confidence 70%
• South Carolina Bankers Associationtrade assoc.

  1 filing · confidence 85%
• South Carolina Bankers Association (2)trade assoc.

  1 filing · confidence 85%
• South Dakota Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Southeast National Bankunverified attribution

  1 filing · confidence 70%
• Southwest National Bankunverified attribution

  1 filing · confidence 70%
• Southwest National Bank-Oklahoma- +4 Similar Letters Receivedunverified attribution

  1 filing · confidence 70%
• Springs Valley Bank & Trust Companyunverified attribution

  1 filing · confidence 70%
• State National Bank (1)unverified attribution

  1 filing · confidence 70%
• State National Bank (2)unverified attribution

  1 filing · confidence 70%
• State National Bank (3)unverified attribution

  1 filing · confidence 70%
• State National Bank (4)unverified attribution

  1 filing · confidence 70%
• State National Bank (5)unverified attribution

  1 filing · confidence 70%
• State National Bank of Texasunverified attribution

  1 filing · confidence 70%
• State of Connecticut Department of Bankingunverified attribution

  1 filing · confidence 70%
• State of Nebraska - Department of Banking & Financeunverified attribution

  1 filing · confidence 70%
• State of Oklahoma State Banking Departmentunverified attribution

  1 filing · confidence 70%
• State Street Corporationunverified attribution

  1 filing · confidence 70%
• Stroud National Bankunverified attribution

  1 filing · confidence 70%
• Subchapter S Bank Associationtrade assoc.

  1 filing · confidence 85%
• Systemic Risk Counciltrade assoc.

  1 filing · confidence 85%
• TCF Finanical Corporationunverified attribution

  1 filing · confidence 70%
• Tennessee Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Texas Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Texas Heritage National Bankunverified attribution

  1 filing · confidence 70%
• Texas Heritage National Bank (2)unverified attribution

  1 filing · confidence 70%
• TexStar National Bankunverified attribution

  1 filing · confidence 70%
• The Bank of Unionunverified attribution

  1 filing · confidence 70%
• The Baraboo National Bankunverified attribution

  1 filing · confidence 70%
• The Executive Council of State Community Bankers Associationstrade assoc.

  1 filing · confidence 85%
• The Financial Services Roundtabletrade assoc.

  1 filing · confidence 85%
• The Financial Services Roundtable & American Bankers Associationtrade assoc.

  1 filing · confidence 85%
• The First Citizens National Bank (2)unverified attribution

  1 filing · confidence 70%
• The First National Bank (2)unverified attribution

  1 filing · confidence 70%
• The First National Bank of Ballinger- +9 Similar Letters Receivedunverified attribution

  1 filing · confidence 70%
• The First National Bank of Bells-Savoyunverified attribution

  1 filing · confidence 70%
• The First National Bank of Central Texasunverified attribution

  1 filing · confidence 70%
• The First National Bank of Eagle Lakeunverified attribution

  1 filing · confidence 70%
• The First National Bank of Eagle Lake (2)unverified attribution

  1 filing · confidence 70%
• The First National Bank of Gilbertunverified attribution

  1 filing · confidence 70%
• The First National Bank of Girardunverified attribution

  1 filing · confidence 70%
• The First National Bank of McHenryunverified attribution

  1 filing · confidence 70%
• The First National Bank of Park Fallsunverified attribution

  1 filing · confidence 70%
• The First National Bank of Tahokaunverified attribution

  1 filing · confidence 70%
• The First National Bank of Talladegaunverified attribution

  1 filing · confidence 70%
• The Fountain Trust Companyunverified attribution

  1 filing · confidence 70%
• The Louisiana Bankers Associationtrade assoc.

  1 filing · confidence 85%
• The Milton Banking Companyunverified attribution

  1 filing · confidence 70%
• The National Bank of Georgiaunverified attribution

  1 filing · confidence 70%
• The National Bank of Texas at Fort Worthunverified attribution

  1 filing · confidence 70%
• The National Bankers Associationtrade assoc.

  1 filing · confidence 85%
• The Ohio Bankers Leaguetrade assoc.

  1 filing · confidence 85%
• The Old Point National Bank of Phoebusunverified attribution

  1 filing · confidence 70%
• The Rawlins National Bankunverified attribution

  1 filing · confidence 70%
• The Risk Management Associationtrade assoc.

  1 filing · confidence 85%
• The Risk Management Association (2)trade assoc.

  1 filing · confidence 85%
• The Stephenson National Bank & Trustunverified attribution

  1 filing · confidence 70%
• The Stephenson National Bank & Trust (2)unverified attribution

  1 filing · confidence 70%
• The Stephenson National Bank & Trust (3)unverified attribution

  1 filing · confidence 70%
• The Stephenson National Bank & Trust (4)unverified attribution

  1 filing · confidence 70%
• The Union National Bankunverified attribution

  1 filing · confidence 70%
• The Virginia Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Thomasville National Bankunverified attribution

  1 filing · confidence 70%
• Tower Bank & Trust Companyunverified attribution

  1 filing · confidence 70%
• Towne Mortgage Companyunverified attribution

  1 filing · confidence 70%
• Towne Mortgage Company (2)unverified attribution

  1 filing · confidence 70%
• Trustmark National Bankunverified attribution

  1 filing · confidence 70%
• UMB Financial Corporationunverified attribution

  1 filing · confidence 70%
• Union Bankunverified attribution

  1 filing · confidence 70%
• Union First Market Bankshares Corporationunverified attribution

  1 filing · confidence 70%
• Union State Bankunverified attribution

  1 filing · confidence 70%
• Union State Bank (2)unverified attribution

  1 filing · confidence 70%
• Union State Bank Arkansas Cityunverified attribution

  1 filing · confidence 70%
• United National Bankunverified attribution

  1 filing · confidence 70%
• University Bankunverified attribution

  1 filing · confidence 70%
• Univest Bank and Trust Co.unverified attribution

  1 filing · confidence 70%
• Utah Bankers Associationtrade assoc.

  1 filing · confidence 85%
• Valley National Bankunverified attribution

  1 filing · confidence 70%
• Virginia Association of Community Bankstrade assoc.

  1 filing · confidence 85%
• Warren Bank & Trust Company (1)unverified attribution

  1 filing · confidence 70%
• Warren Bank & Trust Company (10)unverified attribution

  1 filing · confidence 70%
• Warren Bank & Trust Company (2)unverified attribution

  1 filing · confidence 70%
• Warren Bank & Trust Company (3)unverified attribution

  1 filing · confidence 70%
• Warren Bank & Trust Company (4)unverified attribution

  1 filing · confidence 70%
• Warren Bank & Trust Company (5)unverified attribution

  1 filing · confidence 70%
• Warren Bank & Trust Company (6)unverified attribution

  1 filing · confidence 70%
• Warren Bank & Trust Company (7)unverified attribution

  1 filing · confidence 70%
• Warren Bank & Trust Company (8)unverified attribution

  1 filing · confidence 70%
• Warren Bank & Trust Company (9)unverified attribution

  1 filing · confidence 70%
• Western National Bankunverified attribution

  1 filing · confidence 70%
• Wisconsin Bankers Associationtrade assoc.

  1 filing · confidence 97%
• Woodhaven National Bankunverified attribution

  1 filing · confidence 70%