#ALCO
Articles tagged with "ALCO"
CRE Concentration at Community Banks: The 300% Test
Picture a community bank whose CRE book is flat for two years while its CRE-to-capital ratio climbs anyway. It made no new CRE loans; …
Wholesale Funding and Community Bank Liquidity Risk
When brokered CDs start repricing faster than your loan book earns through, the ALCO room gets quiet in a specific way. Every treasurer at …
Community Bank Trend Analysis: What the Charts Show
When the Fed raised rates 525 basis points in about 16 months (March 2022 to July 2023), cumulative deposit beta for the median bank …
Bank Financial Analysis: A Practical Framework
When the Fed raised rates 525 basis points in about 16 months (March 2022 to July 2023), cumulative deposit beta for the median bank …
Bank Regulatory Data Analysis: Getting More From Benchmarks
When the Fed raised rates 525 basis points in about 16 months (March 2022 to July 2023), cumulative deposit beta for the median bank …
Interest Rate Risk: Key Metrics and Regulatory Data
If you have sat in an ALCO meeting since 2022, you know what the rate shock felt like from the inside. Net interest margins …
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 and rose to about 3.7% …
FFIEC Call Report Data: What It Contains and How to Use It
When the Fed raised rates 525 basis points in about 16 months (March 2022 to July 2023), cumulative deposit beta for the median bank …
Why FFIEC CDR Bulk Data Falls Short for Bank Peer Analysis
A community bank CFO pulling together an ALCO package has a reasonable expectation that publicly reported Call Report data should produce consistent peer benchmarks. …
FDIC Summary of Deposits: Branch Market Share Analysis
Every June 30, the FDIC takes a branch-level snapshot of deposit balances at every insured institution in the country. The resulting dataset, the FDIC …