#ALCO
Articles tagged with "ALCO"
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.
Deposit Beta Analysis: Measuring Bank Rate Sensitivity
If you have sat through an ALCO meeting in the past few years, you have heard the term "deposit beta" more times than you …
Why FDIC, Call Report and Peer Data Differ for the Same Bank
Pull total assets for the same community bank from the FDIC BankFind suite, the FFIEC Call Report, and the UBPR, and you may get …
Comparing Credit Union and Bank Financials: What Changes
Your local credit union is competing directly for the same deposits and mortgage volume you are. In most community banking markets, one or two …
Credit Union Performance Analysis: Metrics and Benchmarks
NCUA data for Q1 2025 put the aggregate net worth ratio for federally insured credit unions at 10.95%, up from 10.61% a year earlier. …
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
As of early 2025, most community banks trading in M&A transactions were changing hands at 1.2–1.6× tangible book value. A year earlier, that range …
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: A Step-by-Step Guide. That post explains the mechanics. This one gives the community bank …
Bank Liquidity Risk: Key Metrics and How to Monitor Them
Silicon Valley Bank's collapse unfolded in 48 hours. The balance sheet had looked reasonable on paper for quarters. The failure was not a credit …