#community banking
Articles tagged with "community banking"
Nonperforming Loans and the NPL Ratio Explained
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 performing. …
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 reached 3.3% annualized, a level that would be catastrophic for …
When a Normal LDR Hides Bank Funding Risk
Three large 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 …
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 …
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 …
The Texas Ratio as a Failure Warning: Origins and Limits
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 …
CAMELS Rating System: What Each Component Measures
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 …
UBPR: How to Read the FFIEC Uniform Bank Performance Report
The UBPR is the FFIEC's quarterly ratio, trend and peer-percentile report on every FDIC-insured bank, built from its call report. Any bank's UBPR is …
How to Read a Bank Call Report, Schedule by Schedule
A bank call report is the quarterly financial statement every FDIC-insured bank must file with federal regulators. Learn what is inside, why it matters, …