UBPR & Ratios
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Bank Regulatory Data Analysis: Getting More From Benchmarks
When the Fed moved 525 basis points in 18 months, deposit beta for community banks averaged roughly 40 percent, meaning for every dollar of …
MDRM Codes Explained: What Community Bankers Should Know
Your examiner walks in with a spreadsheet showing your net interest margin sitting 40 basis points below peer. They pulled that peer data from …
Net Interest Margin: Community Bank Benchmarks and Trends
The median net interest margin for community banks in the $1B–$10B asset range sat at roughly 3.3–3.5% entering 2025, below the margins many institutions …
FFIEC Call Report Data: What It Contains and How to Use It
When the Fed moved 525 basis points in 18 months, deposit beta for community banks averaged roughly 40% through the full cycle, meaning for …
Efficiency Ratio Benchmarks by Asset Size: Community Banks
Where U.S. banks fall on the efficiency ratio (lower is better) - most cluster in the 50-70% range.
Community Banking Trends: What the Regulatory Data Shows
The 2022–2024 rate cycle is over, but its effects are still running through community bank balance sheets in ways that differ significantly from what …
Bank Valuation: Price-to-Book and Earnings Metrics
Most community banks trading in M&A transactions right now are changing hands at 1.2–1.6× tangible book value. A year ago, that range sat closer …
Why Bank Regulatory Data Is Harder to Use Than You Think
Your ALCO package is due Friday. You want to show the board how your cost of deposits compares to fifteen peers, a straightforward ask. …
Community Bank Peer Benchmarks for ALCO and Exam Prep
This is the benchmark companion to [Bank Peer Group Analysis: How Peer Groups and Percentiles Work](/blog/bank-peer-group-analysis/). That post explains the mechanics. This one gives …
Bank Holding Companies Explained: Structure and Regulation
Holding companies with $3 billion or more in assets file the FR Y-9C with the Federal Reserve, roughly 350 to 400 of them. Smaller …