Tag
#bank profitability
Articles tagged with "bank profitability"
Rates & Macro
Yield on Earning Assets: What It Is and How to Calculate It
In Q4 2022, the average yield on earning assets across U.S. community banks sat around 4.3%. By Q4 2023 it had climbed to roughly …
Read
UBPR & Ratios
Noninterest Income: Benchmarks, Examiner Focus, and Fee Mix
Across community banks in aggregate, noninterest income accounts for roughly 15–20% of total revenue; at the median community bank it is closer to 10%. …
Read
UBPR & Ratios
ROA vs. ROE for Banks: Profitability Ratios Explained
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 …
Read
UBPR & Ratios
Why Bank Efficiency Ratios Differ: Peer Context
In 2023 and 2024, the median efficiency ratio for U.S. community banks rose from about 66% to nearly 69%, not because banks got worse …
Read
Educational
How to Analyze a Bank's NIM: Drivers and Compression
A bank's margin moves for a handful of reasons, and the call report shows which one is at work. How to split net interest …
Read