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…
Bank Merger Activity is Heating Up
2025 is turning out to be a very active year for bank combinations. In less than 7 months, we lost 79 banks to mergers and acquisitions. The second half of the year looks to be even busier. On page 5…
U.S. Banks Bolstering Loan Loss Reserves
The image above depicts the growth in loans, loan loss reserves, and problem loans at our nation’s banks during the 12 month period ended March 31, 2025. Noncurrent loans grew more than three times the rate of both total loans…