Article
Banking Trends: How Banks Fund Their Lending
Economic Insights — Since the Great Financial Crisis, banks have increasingly relied on deposits for their funding. But their lending has changed, too, and this has implications for the entire banking industry.
Featured Work
Working Paper
Who Remains Unbanked in the United States and Why?
WP 25-02/R – This paper conducts a detailed exploration of the factors associated with unbanked status among U.S. households and how these relationships evolved between 2015 and 2019.
Article
Fintech Conference Explores Innovations, Regulation, and the Future of Finance
The Philadelphia Fed’s Ninth Annual Fintech Conference took place on November 12 and 13. This conference series helps lead the conversation on what financial innovations mean for the future.
Article
Do Decentralized Ownership and Token-Based Financing Make Digital Platforms More Efficient?
Research in Focus — Joseph Abadi of the Philadelphia Fed and his coauthor compare traditional digital platforms with innovative ones whose tokens can be used for transacting and governance.
Featured Data
Institutions in the Third District
This interactive tool summarizes information about banks and holding companies within the Third District (comprising eastern and central Pennsylvania, southern New Jersey, and Delaware) and provides each institution’s location and asset size as of the most recent quarter.
Updated: 14 Nov ’25
Third District Banking Conditions
Third District Banking Conditions is a semiannual report comparing the trends of Third District community banks with their national peers.
Updated: 15 Sep ’25
Large Bank Credit Card and Mortgage Data
The Large Bank Consumer Credit Data are based on Y-14M credit card and mortgage data provided by the largest financial institutions in the United States.
Updated: 17 Oct ’25