Tag
#net interest margin
Articles tagged with "net interest margin"
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 …
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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%. …
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Rates & Macro
Interest Rate Risk and Duration in Banks Explained
At the end of 2022, U.S. banks were sitting on roughly $620 billion in unrealized losses on their securities portfolios, the product of buying …
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Liquidity & Funding
Deposit Beta & Cost of Funds: What Bank Analysts 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 …
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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 …
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