#community banking
Articles tagged with "community banking"
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 …
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 Acquisition Pricing: Deal Multiples and Benchmarks
This is the benchmark companion to Bank M&A Analysis: How to Evaluate a Deal from Call Reports. That post is the method. This one …
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 …
Bank Charter Types: National vs. State, and Why It Matters
Of the roughly 3,800 FDIC-insured commercial banks operating today, about 665 hold national charters. The other 3,100-plus are state-chartered, either members of the Federal …
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 …
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%. …
How to Read a Bank Balance Sheet (Schedule RC)
At the end of 2022, the banking industry's aggregate AOCI balance swung to negative $326 billion, about -14.7% of total reported equity, after touching …
De Novo Banks: How to Analyze a Bank With No Track Record
From 2010 through 2017, new bank charters in the United States nearly stopped: only about 30 opened in eight years, and just 15 after …