FDIC Podcast

Latest Episodes:

Relationship Lending in the Digital Age Jan 24, 2023

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In an age when most people access banking through digital channels, is there a future for old-school relationship lending? In this episode, we discuss whether the explosion of financial technology spells the end of human-to-human banking.

Banking in Rural America Jan 06, 2023

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Banking in rural America can be a very different experience than banking in cities and suburbs. In this episode, we speak with Donna Gambrell who leads Appalachian Community Capital and Kent Curtis of First Southwest Community Bank in rural Colorado. Together, they describe the unique banking needs for those who live and work in less populated areas across our country.

Deposit Insurance Explained (Part Two) Nov 29, 2022

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In the second in our two-part podcast series, FDIC’s Chief of Deposit Insurance Martin Becker returns to discuss the risks consumers need to keep in mind when it comes to deposit insurance—from companies that misrepresent their products as ‘FDIC-insured’ to legitimate firms offering pass-through deposit insurance coverage.

The Unbanked and Underbanked Oct 26, 2022

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96 percent of all U.S. households had at least one bank or credit union account in 2021 and the percentage of unbanked households fell to a record low. FDIC Analysts Keith Ernst and Karyen Chu describe the findings of the FDIC’s 2021 National Survey of Unbanked and Underbanked Households and the work being done to bring more people into the financial fabric of our nation.

Deposit Insurance Explained (Part One) Aug 17, 2022

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Federal deposit insurance is at the heart of FDIC’s mission. But who is protected and what products are covered by deposit insurance? FDIC’s Chief of Deposit Insurance Martin Becker answers some of the frequently asked questions about what deposit insurance is…and what it isn’t.

The Risks of Banking Jul 21, 2022

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In the banking world, risk is a fact of life. Identifying and managing those risks are critical functions of bankers and bank regulators alike. But what are the risks to our banks?
In our latest episode of the FDIC Podcast, we break down the potential challenges for the banking system —from rising interest rates and inflation to cyber threats, illicit activity and climate-related risks.

We invite you to listen as FDIC researchers Kathy Kalser and Krishna Patel discuss the new 2022 Risk Review, our latest comprehensive summary of the emerging risks to FDIC-insured institutions and the FDIC’s Deposit Insurance Fund.

The Impact of Minority Banks Jun 17, 2022

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In the history of our country, minority banks were created to serve people and places that were denied access to the mainstream banking system. Today, these banks are still making a big impact in communities of color. Nicole Elam of the National Bankers Association and economists Karyen Chu and Kristen Broady discuss how these institutions are ‘punching above their weight’ in 2022.

Banking in Indian Country May 18, 2022

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In this episode of the FDIC Podcast, we look at banking in Indian Country with two bankers who lead Native-owned and operated institutions and who work and lend in communities, where if not for these banks, there may not be a bank at all —Tom Ogaard of Native American Bank and Susan Plumb of Bank of Cherokee County.

Looking Back on 2021 Mar 08, 2022

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In this episode of the FDIC Podcast, we look back on 2021 to see how our nation’s banks fared in a year that was still very much impacted a global pandemic and its economic consequences. FDIC senior financial analysts Pat Mitchell and Meg Hanrahan break down the latest annual report card on the condition of the U.S. banking system.

Minority and Community Development Banking Feb 15, 2022

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In the first episode ofour new series, Banking on Inclusion, the FDIC’s Betty Rudolph and Nicole Elam of the National Bankers Association explore the world of Minority Depository Institutions (MDIs) and Community Development Financial Institutions (CDFIs). These ‘mission-driven banks’ play an outsized role in the economic life of the communities they serve.

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