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Introduction

Category: Community Banking

Category: Community Banking

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”…

Deposit Growth Slows, Doesn’t Stop

Posted on: September 7, 2021 September 7, 2021 Written by: BauerFinancial
Deposits continue to climb at our nation’s banks, but the growth has slowed considerably since the early days of the pandemic. Deposit growth in the first and second quarters of 2020 was 7½% or better whereas second quarter of 2021…
Continue reading “Deposit Growth Slows, Doesn’t Stop”…
Credit Card with an arrow and a bulls eye

The Credit Card You Seek May be Closer…

Posted on: August 23, 2021 August 24, 2021 Written by: BauerFinancial
During the 12 months ended March 31, 2021, credit card loans outstanding from the nation’s banks dropped a stunning 12.8%, and an even more notable 19.2% lower than their peak at the close of 2019. Preliminary reports suggest that downward…
Continue reading “The Credit Card You Seek May be Closer…”…
Graph showing dramatic decline in net interest margins

Record Low Interest Margins Put Squeeze On

Posted on: August 9, 2021 August 10, 2021 Written by: BauerFinancial
The average net interest margin at our nation’s banks contracted to its lowest level on record (2.56%) at March 31, 2021. In one year, the industry saw a decline of $29.8 billion in interest income, a decrease of 17.6%. If…
Continue reading “Record Low Interest Margins Put Squeeze On”…
BIG KANKS PUT THE SQUEEZE ON

Who are You Calling a Predator?

Posted on: July 26, 2021 July 27, 2021 Written by: BauerFinancial
Not us, say Big Banks, in response to comments by Senator Elizabeth Warren (D-MA) who reportedly called out “giant banks that make billions of dollars in profits and squeeze every last penny out of customers who are struggling”.-American Banker 7/19/21.…
Continue reading “Who are You Calling a Predator?”…
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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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