It’s no secret that liquidity will remain at the forefront of examinations, increasing the need to prioritize building capacity to access reliable liquidity. Recent events in the banking industry have proven how critical it is to have the ability to obtain cash quickly without incurring a loss and at a reasonable cost to meet expected and unexpected cash flows.

Tapping into the security portfolio is likely off the table due to sizeable unrealized loss positions, so quick access at a reasonable cost leaves us with wholesale funding sources to fill liquidity needs (e.g., FHLBank, brokered deposits, deposit listing services, etc.). FHLBank Topeka is undoubtedly the fastest, most reliable and often cheapest funding source.

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