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A comment on Why America will soon see a wave of bank mergers. Parent comment

Re:Why America will soon see a wave of bank mergers by bradleyjg on Tuesday May 02, 2023 @04:20PM (#35793575)
Increasingly banks are only lending to a different parts of the federal government anyway-—deploying their cash on treasuries and agency debt. They are being driven to this by the risk weighted capital adequacy requirements.

The whole thing resembles an ever more intricate Rube Goldberg machine.

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Re:Why America will soon see a wave of bank mergers by JumpCrisscross on Tuesday May 02, 2023 @06:27PM (#35795066)
> increasingly banks are only lending to a different parts of the federal government anyway-—deploying their cash on treasuries and agency debt

This is incorrect. In 2022, the largest increases were in credit cards (+17.4%), commercial and industrial loans (+14.5%), consumer loans (+11.6%), commercial real estate loans (+11.3%) and real estate loans (+10.1%) [1]. Treasury and agency security holdings across American banks were majorly added between 2019 and 2021, and then spent down as balance sheets swapped. (They remain, of course, a commanding fraction of bank assets for obvious reasons.)

[1] https://www.federalreserve.gov/releases/h8/current/

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Re:Why America will soon see a wave of bank mergers by bradleyjg on Tuesday May 02, 2023 @06:36PM (#35795134)
What‘s the decade by decade trend?
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