Guides on banking data, walkthroughs of FFIEC and UBPR metrics, and commentary on what's moving inside the call report filings.
The same analysis, for your commute — FFIEC call report data, UBPR metrics, and regulatory trends, in plain English.
Between Q1 2022 and Q4 2023, the Fed funds target rate rose 525 basis points. The median community bank saw its cost of funds climb roughly 180 basis points over the same stretch — a deposit beta near 34%. But that median …
At year-end 2025, U.S. banks were sitting on **$306.1 billion** in unrealized losses on investment securities. That number is down from the 2022–2023 peak, …
Tell someone a bank has a 3.5% [net interest margin](https://www.bankregreports.com/blog/what-is-net-interest-margin/) and you have told them almost nothing. Is that good? Depends entirely on whether …
At the peak of the 2008 credit cycle, the industry-wide noncurrent loan rate hit 5.4% — nearly one in twenty loan dollars had stopped …
In the fourth quarter of 2009, the net charge-off rate for U.S. commercial banks hit 3.0% annualized — a level that would be catastrophic …
JPMorgan Chase Bank, N.A. alone holds more assets than the entire U.S. banking system did in 1995. That single figure — over $4 trillion …
In the Fed's 2023 stress test, the severely adverse scenario assumed unemployment climbing to 10%, commercial real estate prices dropping 40%, and a broad …
Pull up JPMorgan Chase Bank, N.A. on the FFIEC call report and you see a $3.4 trillion institution. Pull up JPMorgan Chase & Co. …
Three banks failed in 2023 with loan-to-deposit ratios that looked fine on the surface. The ratio was not their problem — their deposit composition …
The FDIC reported an aggregate industry ROA of 1.24% for Q4 2025. In that same quarter, dozens of community banks posted ROE well above …