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Category: Community Banking

New Star Ratings

Community Banks ARE Lending, New Bank Star-Ratings

Posted on: December 9, 2024 December 9, 2024 Written by: BauerFinancial
We’ve been hard at work at Bauer (not just eating turkey and watching football) updating bank star-ratings based on September 30, 2024 financial data. We expect to have credit union ratings out shortly. In the meantime, let’s talk about how…
Continue reading “Community Banks ARE Lending, New Bank Star-Ratings”…

Thanksgiving Dinner to Cost 5% less than Last Year

Posted on: November 25, 2024 November 25, 2024 Written by: BauerFinancial
2024 marks the 39th year the American Farm Bureau Federation has conducted its informal survey on the price of a traditional American Thanksgiving dinner. What they discovered was, in spite of a second consecutive drop in the cost, we are still…
Continue reading “Thanksgiving Dinner to Cost 5% less than Last Year”…
Community Bank Branches Good for Consumers

New Community Bank Branches Popping Up

Posted on: March 18, 2024 March 18, 2024 Written by: BauerFinancial
Community banks added 360 new branches during 2023. They were spread out among more than 300 banks, so the majority netted just one new branch. Those that opened two or more and are also rated either 5-Stars or 4-Stars by…
Continue reading “New Community Bank Branches Popping Up”…
People shaking hands with a background image of a community bank.

Building Relationships and Interest Margins

Posted on: March 28, 2023 March 29, 2023 Written by: BauerFinancial
Two bank failures and lots of banking news (some of which has been over-sensationalized) has given some bank customers the jitters. It seems that every few years we get a reminder of the importance of diversifying. This is one such…
Continue reading “Building Relationships and Interest Margins”…

Deposits or Not, Banks Need to Fund Loans

Posted on: February 13, 2023 February 13, 2023 Written by: BauerFinancial
What do government stimulus, risk aversion, and job insecurity all have in common? They all played significant parts in deposit growth at our nation’s banks during the pandemic. Between year-end 2019 and March 31, 2022, bank deposits grew 37% (from…
Continue reading “Deposits or Not, Banks Need to Fund Loans”…

4 Decades in, We’re Looking back to the Future

Posted on: January 3, 2023 January 3, 2023 Written by: BauerFinancial
Welcome Back! As Jumbo Rate News enters its  40th year in publication, we thought it would be a good time to look back to how we got here. Let’s set the stage: The year was 1983; Ronald Reagan was President;…
Continue reading “4 Decades in, We’re Looking back to the Future”…
Community Bank Branches Good for Consumers

Community Bank Branches are NOT Going Away

Posted on: October 17, 2022 October 17, 2022 Written by: BauerFinancial
That may seem contradictory to the chart below, but notice we said “community bank branches”. According to the FDIC, in the past 12 months, the industry has closed 3,617 branch offices and opened just 1,148 for a net loss of…
Continue reading “Community Bank Branches are NOT Going Away”…
Peron holding a small piggy bank in one hand and a large piggy bank in the other

2nd Substantial Noncompliance for Small Bank

Posted on: November 8, 2021 November 9, 2021 Written by: BauerFinancial
The small bank ($59 million asset) 3-Star Lemont National Bank, Lemont, IL just received its second consecutive “Substantial Noncompliance”  (SN) Community Reinvestment Act (CRA) rating. One of the major factors contributing to this lending test rating, assigned by Lemont NB’s…
Continue reading “2nd Substantial Noncompliance for Small Bank”…
Loan Approval Stamp

C&I Lending Down 13% in Spite of PPP

Posted on: November 1, 2021 November 1, 2021 Written by: BauerFinancial
A year ago (JRN 37:40), we took exception with United Bank of Philadelphia because 87% of its loan portfolio was tied to the success of small businesses (56% in Commercial Real Estate (CRE), 26% in Commercial & Industrial (C&I) +…
Continue reading “C&I Lending Down 13% in Spite of PPP”…

Community Banks Critical for Small Businesses

Posted on: September 27, 2021 October 18, 2022 Written by: BauerFinancial
According to the Federal Reserve’s 2021 Small Business Credit Survey, 48% of Paycheck Protection Program (PPP) applicants went to community  banks for funding while only 43% went to Big Banks. What’s more, 78% of those that applied at community banks…
Continue reading “Community Banks Critical for Small Businesses”…
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Bank and Credit Union data compiled from financial data for the period noted, as reported to federal regulators. The financial data obtained from these sources is consistently reliable, although; the accuracy and completeness of the data cannot be guaranteed by BauerFinancial, Inc. BauerFinancial relies upon this data in its judgment and in rendering its opinion (e.g. determination of star ratings) as well as supplying the data fields incorporated herein. BauerFinancial, Inc. is not a financial advisor; it is an independent bank research firm. BauerFinancial is a registered trademark. Any unauthorized use of its content, logos, name, and/or Star-ratings is forbidden.

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