All New Bank Star-Ratings Now Available
The U.S. banking industry closed 2025 with a strong full‑year performance-higher assets, earnings, margins, and deposits-yet the fourth quarter data revealed soft spots, including weaker income, rising problem‑loan categories, and a growing reliance on uninsured deposits. Community banks outperformed the…
CD Specials and Strategy Drive Deposit Growth
Acquisitions can produce explosive deposit growth, but organic growth requires targeted strategies like promotional CDs and local outreach. Many high‑growth banks rely on limited‑time, locally targeted CD specials to avoid rate‑shopping bots and to control inflows. While it is difficult…
President Lincoln Didn’t Bank Here
In observance of Presidents’ Day, we take a trip back to the civil war era. In 1860, there were an estimated 8,000 state banks, each circulating its own currency. National Banks and our Nation’s dual banking system didn’t come into…