In “How to Start a Bank from Scratch in the US,” Tim and Tina unpack what people mean when they say “let’s start a bank,” and why the reality is far more complex than most assume. They walk through the core pieces of building a de novo bank in 2026: choosing a charter path, forming an organizing group, raising serious capital, hiring experienced leadership, and meeting the compliance expectations that come with holding other people’s money.

They also dig into the approval pipeline and the agencies involved, what regulators look for in a business plan, and the most common reasons new bank efforts stall out. Expect a clear, research driven conversation about timelines, governance, risk controls, deposit insurance, and the brutal operational overhead that starts long before you open the doors. Educational only, not legal advice.