Regional Banks

Extracted Attributes

• Asset Range (US)

  $50.0 billion to $500.0 billion in domestic assets under management (AUM)

• Primary Functions

  Disbursement of MGNREGA wages, distribution of pensions, and para-banking services

• Total Count (India)

  28 Regional Rural Banks (following consolidation from 43)

• Primary Regulator (India)

  Ministry of Finance, Government of India

• Crisis Management Strategy

  Pretend and Extend (used to avoid realizing massive losses in commercial real estate)

• Ownership Structure (India)

  Central Government (50%), Sponsoring Bank (35%), and State Government (15%)

Timeline

• Establishment of Prathama Bank, the first Regional Rural Bank in India, headquartered in Moradabad, Uttar Pradesh. (Source: Wikipedia)

  1975-10-02

• The Government of India enacts the Regional Rural Banks Act, formalizing the creation of RRBs. (Source: Wikipedia)

  1976-01-01

• Forecasted growth for the U.S. regional banking industry driven by a steepening yield curve and M&A acceleration. (Source: Web Search (John Hancock Investment Management))

  2025-01-01

• Implementation of the 'One State-One RRB' strategy by the Indian Finance Ministry to consolidate 43 RRBs into 28. (Source: Wikipedia)

  2025-05-01

Regional rural bank

The Regional Rural Banks (RRBs) are government owned scheduled commercial banks of India that operate at the regional level in different states of India. These banks are under the ownership of the Ministry of Finance, Government of India, Sponsored Bank and concerned State Government in the ratio of 50:35:15 respectively. They were created to serve rural areas with basic banking and financial services. However, RRBs also have urban branches. The Government of India enacted the Regional Rural Banks Act in 1976, which led to the establishment of the first five RRBs on 2 October 1975. The first RRB was Prathama Bank, which was sponsored by Syndicate Bank and had its headquarters in Moradabad, Uttar Pradesh. The area of operation is limited to the area notified by the government of India covering, and it covers one or more districts in the State. RRBs perform various functions such as providing banking facilities to rural and semi-urban areas, carrying out government operations like disbursement of wages of MGNREGA workers and distribution of pensions, providing para-banking facilities like locker facilities, debit and credit cards, mobile banking, internet banking, and UPI services. There are currently 28 Regional Rural Banks across India; the 'One State-One RRB' strategy, which aims to rationalize costs and streamline operations by consolidating 43 RRBs into 28 banks, it was put into action by the finance ministry from May 1, 2025.

Web Search Results

• Regional Banks in the US Industry Analysis, 2025 - IBISWorld

  Regional banks are composed of commercial banks that have between $50.0 billion and $500.0 billion in domestic assets under management (AUM) and operations are not limited to one state. Banks that fall into this threshold offer the same services as the commercial banking industry. In addition, regional banks have a significantly smaller scope of operations compared with large commercial banks that operate nationwide. #### Trends and Insights [...] The geographic spread of regional banks is closely related to the distribution of population across the country. For this reason, regional banks choose to locate themselves throughout the Southeast since it contains the largest population. Regional banks compete extensively with other companies within the financial services sector for top-tier talent. Due to this, wage expenses for regional banks are high and employee acquisition is vital. [...] ### What is the forecast growth of the Regional Banks industry in the United States over the next 5 years? Over the next five years, the Regional Banks industry in the United States is expected to grow. ### What does the Regional Banks industry in the United States include? Receiving deposits from customer and Issuing consumer, commercial and industrial loans are part of the Regional Banks industry in the United States.

• America's Best Regional Banks and Credit Unions 2025

  Regional banks and credit unions are the financial backbone of communities nationwide. They serve as vital engines at the local level as they support small businesses, fund projects and ensure easy access to essential banking services. With intimate knowledge of local economies, these banks often form strong bonds with customers, enabling them to better meet their needs. [...] | ★★★★½ | Bank Forward | Bank | 221 | Fargo, ND | MN, ND | | ★★★★ | Bank Midwest | Bank | 180 | Spirit Lake, IA | IA, MN, SD | | ★★★★½ | Bank of Ann Arbor | Bank | 335 | Ann Arbor, MI | MI | | ★★★★½ | Bank of Belleville | Bank | 58 | Belleville, IL | IL | | ★★★★½ | Bank of Botetourt | Bank | 132 | Buchanan, VA | VA | | ★★★★ | Bank of Bridger | Bank | 132 | Bridger, MT | MT, WY | | ★★★★★ | Bank of Central Florida | Bank | 99 | Lakeland, FL | FL | [...] | ★★★★ | Avidia Bank | Bank | 257 | Hudson, MA | MA | | ★★★★ | Baker-Boyer National Bank | Bank | 185 | Walla Walla, WA | WA | | ★★★★½ | Ballston Spa National Bank | Bank | 124 | Ballston Spa, NY | NY | | ★★★★★ | BancFirst | Bank | 1879 | Oklahoma City, OK | OK | | ★★★★ | Banco do Brasil Americas | Bank | 247 | Miami, FL | FL | | ★★★★½ | Bangor Savings Bank | Bank | 1055 | Bangor, ME | ME, NH | | ★★★★½ | Bank & Trust Company | Bank | 79 | Litchfield, IL | IL |

• Five reasons why 2025 could be another strong year for U.S. ...

  The S&P Regional Banks Select Industry Index tracks the regional banking segment of the broad U.S. equity market. It is not possible to invest directly in an index. Basis points: One hundred basis points equals one percent. Price to earnings (P/E) is a valuation measure comparing the ratio of a stock’s price with its earnings per share. Price/book is the ratio of a stock’s price to its book value per share. Earnings per share (EPS) is a measure of how much profit a company has generated [...] We believe that U.S. regional banks are poised to benefit from several tailwinds in 2025, including a steepening yield curve, green shoots in loan activity, an acceleration in mergers and acquisitions (M&As), easing of the regulatory environment, and waning credit concerns. We believe these factors, coupled with attractive valuations, warrant an equity allocation to U.S. regional banks in the current environment. Susan A. Curry, [...] Beyond the five tailwinds mentioned above, regional banks’ current equity valuations support our positive 2025 outlook for the industry. Regional bank stocks recently traded at a price-to-forward earnings multiple of about 11.83x based on what we view as conservative earnings estimates; on a price-to-book value basis, they recently traded at 1.15x.1 These valuations represent a discount compared with historical averages as well as a substantial discount relative to the overall market. These

• U.S. Regional Banks | Public.com

  # U.S. Regional Banks Publicly-traded regional banks, or mid-sized financial institutions. 33 stocks ## Stocks Commerce Bancshares Prosperity Bancshares Popular Bank OZK OZK First Citizens BancShares FCNCA Zions Bancorp ZION Wintrust Financial WTFC Citizens Financial Group CFG U.S. Bancorp USB Cullen/Frost Bankers CFR UMB Financial UMBF PNC Financial Services PNC F.N.B. Corp. FNB First Financial Bankshares FFIN Home BancShares HOMB Comerica CMA M&T Bank MTB [...] read the ETP’s prospectus carefully before investing. [...] Own your future. Build your portfolio.

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