New Bank Ratings Now Out, Based on March 31, 2026 Data
The banking sector is generally strengthening, with higher earnings, stable asset quality, and fewer problem banks, though some risks remain. For example, asset quality remained stable overall, with a slight improvement in total past-due and nonaccrual loans, though some loan…
Growing Stress in Single-Family Mortgage Portfolios
Rising mortgage stress was evident at the close of 2025, with nonperforming single-family home loans increasing to 2.02%. The Dallas region shows the highest risk, but Bauer has identified 52 banks nationwide with elevated residential real estate exposure. While most…
When Ambitious Lending Meets Credit Stress
In this week’s article, Bauer examines banks that entered 2026 with both high loan-to-deposit ratios and loan quality that is less than stellar, a combination that can heighten credit and liquidity risk. Using nonperforming assets, the Texas Ratio, and Bauer’s…