U.S. consumers are making great strides in reigning in their collective debt. This was evidenced by a 5.1% decrease in consumer loans during the 12 month period that ended June 30, 2025. The credit card portion of those loans is…
Home Sweet Home Loans to Watch
As interest rates go down, home sales will undoubtedly go up. While most banks are handling their mortgage loans very well, there are always exceptions. Bauer is closely watching for any cracks in both residential real estate loan concentration and…
Are Your Deposits Fully Insured?
Not all banks are required to estimate the uninsured deposits they hold, but those that are reported a total amount of all uninsured estimates exceeding $7.5 trillion at June 30, 2025. The majority of banks reporting uninsured deposits are well…
Banks Want to Grow, Why are These Banks Shrinking?
Like any business, banks typically look for solid growth. Yet, based on June 30, 2025 data, 51 banks reported a 13% (or greater) 12 month decline in total assets. These 51 banks can be found on page 5 of this…
Interest Rates Have Begun Their Descent
This week’s issue is divided into two topics. We first discuss the change in the target Fed Funds rate and the projections for upcoming changes. That led us into what banks may resort to if they do not make enough…
Credit Union Ratings are Now Updated
June 30th financial data has now been evaluated for all federally-insured banks and credit unions. New star-ratings and reports can be found at bauerfinancial.com. During the five years ended June 30, 2025, the number of credit unions with assets under…
Banks Have Their Own Loan Worries
The FDIC reports the percent of loans that are 30 days or more past due or in nonaccrual status (PDNA) has decreased to 1.50%. However, certain portfolios are bucking that trend and are well above the pre-pandemic average of 1.94%. This…
Credit Unions See Loans Souring
As an industry, U.S. credit unions witnessed just a small increase (2 basis points) in both their delinquency and charge-off ratios during the 12 months ended March 31, 2025. In this week’s Jumbo Rate News, however, we examine several outliers,…
All New Bank Star-Ratings and Data This Week
We have new bank ratings this week! This week’s post discusses two other topics as well: De novo banks, or lack thereof, this year; and Increases in delinquent loans. We also commend banks that are keeping their loans in pristine…
Paycheck Protection Program Winding Down
It has been almost five and a half years since the first round of Paycheck Protection Plan (PPP) loans began rolling out. In this week’s post, we are looking at which banks and credit unions still have PPP loans on their…