All bank star-ratings are now based on June 30, 2019 financial data. (Credit union data will be updated in early September.) And, as a result, Bauer welcomes 104 banks to its top 5-Star category. There are 40 fewer recommended banks…
Month: August 2019
Why We Love a Good Vanilla
A bank’s Efficiency Ratio measures how much of its operating revenue is spent on overhead, so a lower ratio indicates greater efficiency. According to the FDIC Quarterly Banking Profile (QBP), the average bank efficiency ratio at March 31, 2019 was…
There is no Such Thing as Recession-Proof
We have been reporting a lot lately on different loan categories as we’ve been probing for cracks in the armor. Talks of an impending recession are getting louder and more prevalent, so we will continue that pursuit. This week, however,…
Who’s Afraid of Ghost …Malls ?
Commercial Real Estate (CRE) loans are comprised of multifamily (five or more) residential real estate, office buildings, shopping malls and most other structures that house businesses. Most of which have expanded along with the economy over the past several years.…
Fed Cuts Interest Rates. Now What?
By now you probably know that the Federal Reserve’s Open Market Committee lowered the Fed Funds target a quarter point on Wednesday (July 31st). The range is now between 2% and 2.25% with another quarter point cut widely expected before…