A narrow bank is a financial institution that issues demandable liabilities and invests in assets that have no nominal interest rate and credit risk.

TNB is “The Narrow Bank”

TNB seeks to serve institutional customers by offering safe depository services at attractive interest rates.


  • The Fed refuses to do business with the safest bank on earth – and depositors pay the price.
    November 28, 2018

    “If you live in Connecticut, there’s a new bank in town whose only business goal is to pay its depositors a rate very close to the Federal Reserve’s IOER (interest on excess…

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  • The Fed wants to veto state banking authorities. But is that legal?
    November 14, 2018

    “The Federal Reserve has recently used a once-obscure policy lever to thwart two efforts at financial innovation. In one case, a new credit union hoped to serve marijuana-related businesses; in the second,…

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  • Why The ‘Narrow Bank’ Regulatory Discussion Signals Upcoming Disruption.
    November 5, 2018

    “The global financial crisis reminded banks that,while bad credit can be a cancer- like slow killer, a liquidity crunch can be a sudden executioner. The result was new regulations that…

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