The largest US regional banks began this year with less cash on hand than at any time since the 2008 financial crisis, leaving them ill-prepared for a rush of deposit withdrawals that led to the collapse of Silicon Valley Bank and Signature Bank.
As they adapted to rising interest rates, the 30 banks with assets between $50bn and $250bn cut the percentage of their assets held in cash to an average 7 per cent at the start of 2023, from 13 per cent a year before, according to Federal Deposit Insurance Corporation data.
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