Brittany Kleinpaste

speaker

16 appearances 1 recordings 1 series first heard Jul 2026 last heard 23 Jul

Brittany Kleinpaste’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Jul 2026 with 1.

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ABA Banking Journal Podcast · Why it might be time to revisit a key FDIC ratio · 23 Jul 2026 podcast

And the 2% is set off of using provisions as the loss estimate for those two failure periods.

So the provisions, the higher actual losses experienced, so it's pushing or elevating that 2% to a more significant level than what the FDIC might find if they did a reassessment of actual funds necessary to cover the industry in a safe manner through another crisis.

So our expectation would be that if the FDIC made these small changes to their modeling and took a deeper dive, you may be able to make the argument for a ratio that's below 2% but still above the 1.35%.

Yes, thanks, Evan.

Very similar to what Pat was just saying, we've had a passage of time now, and all we're doing is recommending that the FDIC reassess.

So when the FDIC first ran the assessment, looking at the data that they had available, which was provisions,

Now we're 40 years later.

We have realized losses reported.

So we know what the failures during those time periods actually cost the banking industry.

Provisions should be always higher than your expected losses.

So we've asked in this piece that these be relooked at.

And the 2% is set off of using provisions as the loss estimate for those two failure periods.

So the provision would be higher actual losses experienced.

So it's pushing or elevating that 2% to a more significant level than what the FDIC might find if they did a reassessment.

of actual funds necessary to cover the industry in a safe manner through another crisis.

So our expectation would be that if the FDIC made these small changes to their modeling and took a deeper dive, you may be able to make the argument for a ratio that's below 2%, but still above the 1.35%.

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