The NBID network continued its rapid expansion in April and now has 613 total banks in the network with 206 fully onboarded. In April, NBID welcomed 45 new banks and activated 24 new members. Across Q1 as a whole, NBID welcomed 184 new banks and activated 81 new members. Here's your monthly snapshot of network activity and market developments.
NETWORK AT A GLANCE
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Members
| Total Banks (+8%)* |
613 |
| Q1 2026 |
184 |
| April 2026 |
45 |
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Onboarded
| Total Banks (+13%)* |
206 |
| Q1 2026 |
81 |
| April 2026 |
24 |
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*Percent increase since March 2026 Network Update
NETWORK ACTIVITY (DEPOSITOR MIX BY $)
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Business
|
Consumer
|
Local Govt
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Nonprofit
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REGULATORY FIRESIDE CHAT
NBID hosted a fireside chat on what regulation in 2026 means for community and regional banks. Read panelists' key takeaways:
| 01 |
The regulatory tone has shifted.
The panelists discussed how agencies are refocusing exams on material financial risk. The OCC, FDIC, and Fed are aligned on reducing burden for community banks.
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| 02 |
Reciprocal deposits are becoming a baseline expectation.
Panelists agreed that reciprocal deposits are no longer a nice-to-have, but a core part of running a safe and sound institution.
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| 03 |
The Keeping Deposits Local Act could significantly expand reciprocal capacity.
The proposed tiered system would allow up to 50% of total liabilities for institutions under $1B.
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| 04 |
AI is welcome, with governance.
The panelists discussed how regulators expect explainability, board oversight, and sound risk management. Updated FFIEC guidance is on the way.
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Watch the Recording →
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UPCOMING NBID EVENTS
NBID is on the road this May, attending 9 conferences across 8 states. If you will be at any of the below, we would love to connect. Come find us at our booth!
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MAY 4–7
FIS Emerald 2026
Orlando, FL
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BOOTH
#60
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MAY 6–8
2026 LBA Convention & Exposition
Louisiana Bankers Association
Colorado Springs, CO
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BOOTH
#40
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MAY 6–8
2026 NBA Annual Convention
Nebraska Bankers Association
La Vista, NE
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BOOTH
#22
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MAY 6–8
NJBankers 120th Annual Conference
New Jersey Bankers Association
New Orleans, LA
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BOOTH
#7
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MAY 12–15
2026 CBA Annual Conference & Directors Forum
California Bankers Association
Maui, HI
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BOOTH
#4
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MAY 18–20
2026 OBA Leadership Forum and Annual Convention
Oklahoma Bankers Association
Oklahoma City, OK
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BOOTH
#28
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MAY 19–21
IBA Mega Conference
Indiana Bankers Association
Indianapolis, IN
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BOOTH
#123
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MAY 20–22
2026 TBA Annual Convention
Texas Bankers Association
Dallas, TX
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BOOTH
#412
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MAY 20–22
2026 Banker Summit
Colorado and Arizona Bankers Associations
Colorado Springs, CO
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BOOTH
TBD
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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.
† As of 2026 Q1 FFIEC Call Reports.
