Total Bank Solutions

The page compares cash sweep programs and Money Market Funds (MMFs), including differences in structure, risk exposure, regulatory treatment, and operational impact.

Excess systemic liquidity and stagnant loan growth contributed to a record-low loans-to-deposits ratio of 56.9% in the second quarter. TBS reports increased demand for its FDIC-Insured Deposit Product (IDP).

The page outlines provisions allowing qualifying banks to classify eligible reciprocal deposits as non-brokered.

The page discusses the spring 2023 banking turmoil and notes that focusing on uninsured deposits is incomplete. It refers to an FDIC staff study from May 2026.

R&T and TBS announced a definitive agreement to combine. The combination would provide banks, credit unions, wealth managers, and trust institutions with a larger selection of products and services.

The combined fintech will have more than $220 billion in assets under administration and an expanded product offering for banks, credit unions, wealth managers, and trust institutions.

The page lists the role of executive vice president, strategic advisor, product.

Susan Cosgrove is CEO and Chair of the Board of Managers at R&T Deposit Solutions. Susan oversees the Executive Management Committee and functional areas and guides strategic direction, focusing on operational resiliency and security.

R&T Deposit Solutions aims to empower banks, depository institutions, trust and wealth managers, broker-dealers, and financial institutions.

Marie E. Chinnici-Everitt founded MCE Strategic Consulting, which specializes in marketing, branding, leadership communications, crisis communications, and public relations. She previously served as Managing Director and Chief Marketing Officer at DTCC.

The company provides administrative and recordkeeping services to participating banks and other financial institutions for sweep and deposit placement programs.

The company provides access to expanded deposit insurance and additional funding through its network.