1 in 4 Missouri banks is an NBID member
NBID, as a bank-owned network, exists to support and empower its member banks. Missouri is one of the top represented states in the network, and we are grateful to partner with you. This update shares where Missouri stands today, what your peers are saying, and what we are working on next.
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24% of Missouri banks are NBID member banks | 48% of Missouri deposits are at NBID member banks† | |
$145B Total Missouri Member Assets† | $12B Reciprocal Deposits Held On Missouri Member Banks’ Balance Sheets† | |
Represents NBID network as of September 30, 2026.
† As of 2026 Q2 FFIEC Call Reports.
Legacy networks often charge 10–15 bps. NBID’s 2–5 bps pricing means significant savings you can reinvest in your bank. |
Your customers stay yours. NBID provides a depositor portal branded to your bank, can embed in your digital banking experience, and has pioneered real-time reciprocal transactions, with no T+1 delay. | |||||
As a bank-owned network, NBID wins when you win. Your Regional Director is an extension of your team, from onboarding to deposit targets and ongoing sessions focused on your goals. |
Unlike legacy networks that are mostly private equity owned, NBID is owned by its member banks, who have oversight of their critical infrastructure, are eligible for a profit share, and form the majority of the Board. | |||||
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This innovation, delivered through NBID’s suite of next-generation core integrations, ensures depositors no longer lose days of interest. NBID has moved the roughly $500bn reciprocal market from T+1 to T accrual, a major milestone for the U.S. banking system.
The new capability allows depositors at member banks to earn interest on the same day they deposit funds, which has historically been missed by the T+1 processing offered by the integrations of most providers. The technology development was led by ModernFi, NBID’s network operator.
Read the press release →Unlike legacy networks, NBID lets you put your bank's branding on the portal your reciprocal customers use. Your logo, your colors, and more.
A sample look at how Depositor Portal Branding brings the bank-owned experience to life.
Since July, we’ve hosted bankers for dinner in eight cities across seven states, from New York to Birmingham. In 2027, we are coming to Missouri.
Where we’ve been in 2026
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Coming up in December
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Coming up in 2027 We are hosting a dinner in Missouri. Who’s in? We want to bring Missouri bankers together for an evening of peer conversation with the NBID team. Let us know if you’re interested and we will send details as soon as they are set.
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NBID will be in Missouri this December. If you’re attending the conference, we’d love to meet.
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DECEMBER 2–4
Missouri Bankers Association Executive Management Conference
Loews Kansas City Hotel, Kansas City, MO
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On October 7th, NBID, FIS and River City Bank shared what it takes to add NBID to Cash Manager, and what it has meant for a bank already running it. Here’s what we heard:
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As of October 7, 2026.
FDIC Finalizes Reciprocal Deposit Rule Update On September 1st, the FDIC published an interim final rule updating its reciprocal deposit regulations to conform with the 21st Century ROAD to Housing Act. The rule took effect immediately, and comments were due October 1st. |
Examiners Pointed Toward Material Financial Risk A final joint OCC and FDIC rule defines “unsafe or unsound practices” for the first time and directs examiners to focus on material financial risks. Documentation and process weaknesses alone no longer support a Matter Requiring Attention. Without a link to material financial harm, they are treated as observations. The rule takes effect November 2nd. |
Proposal Would Ease Sharing of Confidential Supervisory Information The OCC and FDIC proposed letting banks share confidential exam information with trusted business partners under a confidentiality agreement, without first asking the regulator. The comment period closed October 5th, and the agencies will now review the comments. |
Questions about the network or anything in this update? Your Missouri team is here to help.
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*NBID LLC is not a bank. Deposit insurance covers the failure of insured institutions, not NBID. Deposits are placed at FDIC-insured network institutions and are eligible for pass-through insurance up to $250,000 per institution. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply. A list of participating banks appears at https://www.nbid.com/bank-list.
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