The ROAD to Housing Act became law on July 11, 2026. It replaced the reciprocal deposit cap that community banks have worked under since 2018, and the industry announcements that celebrated it did not say what the new limit is. Here is the number, the statute it sits in, and what it does to your brokered deposit line.
We analyzed all 3,110 FDIC-insured banks between $100M and $2B in assets. The median bank grew deposits 11.5% over three years. What sits around that number is the real story.
The biggest banks in America and a Texas-led consortium of community banks are both racing to put deposits on blockchain rails. Here is what a tokenized deposit actually is, why the GENIUS Act forced the issue, and what a community bank board should do about it this year.
The count of independent community banks keeps falling. Here is the current number, pulled straight from FDIC data, and why it matters for deposit competition.