You have $10,000,000 in starting capital. Attract deposits, make loans, and earn the spread between what you pay savers and what you charge borrowers. Park spare cash at the Fed for the funds rate. Watch your capital ratio: if it runs out, the regulators take the keys.
How a bank earns: pay low on deposits, charge more on loans, and invest idle reserves at the Fed. The catch: raise deposit rates to pull in funds, but that eats your margin. Cut loan rates to win borrowers, but thinner spreads and bad credit bite. Over-lend and your capital ratio falls toward the regulatory line. Unlock new deposit and loan products, debit and credit cards (earn interchange on spend), and a mortgage desk where you set rates, sell loans to the agencies, and buy MBS.
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A simulation, not financial advice. All rates and figures are made up.