#community banking
Articles tagged with "community banking"
Deposit Beta & Cost of Funds: What Bank Analysts Actually Measure
Between Q1 2022 and Q4 2023, the Fed funds target rate rose 525 basis points. The median community bank saw its cost of funds …
Bank Peer Group Analysis: A Practical Guide
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 …
Nonperforming Loans and the NPL Ratio: What the Number Actually Tells You
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 …
What Is the Net Charge-Off Rate? A Bank Credit Guide
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 …
What Is the Loan-to-Deposit Ratio? A Bank Guide
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 …
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 …
What Is the Bank Efficiency Ratio? Formula, Benchmarks, and What Moves It
In 2023, the median efficiency ratio for U.S. community banks crossed 65% for the first time in a decade — not because banks got …
What Is Net Interest Margin? A Bank Profitability Guide
Net interest margin is the single most important measure of a bank's core profitability — the spread it earns between lending out money and …
What Is the Texas Ratio? A Bank Failure Warning Sign
The Texas Ratio is one of the simplest and most reliable early-warning signals for bank failure. Learn what it measures, how to calculate it …
The CAMELS Rating System Explained: A Guide for Bankers
Every FDIC-insured bank receives a CAMELS rating after examination. This composite score from 1 to 5 affects regulatory oversight, deposit insurance premiums, and growth …