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Category: Jumbo Rate News

Commercial Loans Faltering

Commercial Loans and the “R” Word

Posted on: May 19, 2025 May 20, 2025 Written by: BauerFinancial
The dreaded “R” word – Recession – has been making its way into more conversations lately. We are not prepared to say that a recession is imminent, or is even coming, but we like to be ready for any circumstance…
Continue reading “Commercial Loans and the “R” Word”…
Credit Unions Buying Banks

Credit Unions Acquiring Banks

Posted on: May 12, 2025 May 12, 2025 Written by: BauerFinancial
All 2024/25 completed transactions, as well as those that have been announced, can be found inside this issue. The average asset size of the “announced” (not yet completed) is $469 million. As the assets moving from the bank industry to the…
Continue reading “Credit Unions Acquiring Banks”…
picture of stacks of coins with sign saying "Credit Union Assets"

Credit Unions on a Shopping Spree

Posted on: May 5, 2025 May 2, 2025 Written by: BauerFinancial
In 2024, federally-insured credit unions registered their smallest 4-quarter asset increase (just 2.3%) in quite some time. Those looking to grow, however, have found ways to do so. In this week’s issue we look at 50 credit unions that grew…
Continue reading “Credit Unions on a Shopping Spree”…

There’s More than 1 Way to Grow a Bank

Posted on: April 28, 2025 May 2, 2025 Written by: BauerFinancial
This week’s focus is on well-rated banks that are growing their deposits organically, like those listed in Jumbo Rate News. We concede that JRN does have its limits, though, as we only list rates of banks that will take corporate…
Continue reading “There’s More than 1 Way to Grow a Bank”…
A family each places a different coin into a piggy bank

Financial Literacy and YOU

Posted on: April 21, 2025 April 22, 2025 Written by: BauerFinancial
There is no age limit when it comes to financial education; it is never too early to start learning, and no matter how far along you are on life’s journey, you can always learn something new. Bauer has compiled the following…
Continue reading “Financial Literacy and YOU”…
Not all puzzle pieces fit together nicely

Bank Acquisitions Increasingly Involve Out-of-State Buyers

Posted on: April 14, 2025 April 14, 2025 Written by: BauerFinancial
Twenty-five bank mergers were completed, and many more were penned, during the first quarter of 2025. However, nothing dampens a buyer’s appetite more than uncertainty, which we have in abundance right now. In addition to highlighting completed transactions, this week’s…
Continue reading “Bank Acquisitions Increasingly Involve Out-of-State Buyers”…
Credit Unions Servings the Underserved

Underserved Does Not Mean Undeserved

Posted on: April 7, 2025 April 7, 2025 Written by: BauerFinancial
During 2023 and 2024, 57 Community Credit Unions were granted permission to expand into a total of 89 areas that are/were underserved by other financial institutions. These expansions have the potential to increase membership at these credit unions by nearly…
Continue reading “Underserved Does Not Mean Undeserved”…

When a Bank’s Interest Margin is Too Big

Posted on: March 31, 2025 March 31, 2025 Written by: BauerFinancial
The aggregate net interest margin (or NIM, the difference between interest income generated and interest paid out) at our nation’s banks was 3.22% at year-end 2024. This number can vary a lot depending on how big the bank is and…
Continue reading “When a Bank’s Interest Margin is Too Big”…
Community Bank Branches Good for Consumers

Community Banks are Open for Deposits

Posted on: March 24, 2025 March 24, 2025 Written by: BauerFinancial
During calendar 2024, aggregate domestic deposits at our nation’s banks increased 2.3%, but some banks, community banks in particular, stand out with deposit growth exceeding 100%. All community banks rated at least 3½-Stars with deposit growth that exceeded 45% can…
Continue reading “Community Banks are Open for Deposits”…
de novo banks

Will 2025 Be the Year for a De Novo Comeback?

Posted on: March 14, 2025 March 14, 2025 Written by: BauerFinancial
During the period from 2000-2008, there were 1,243 de novo banks; there have only been 95 in the years since then. We are excited to see Kyle Hauptman, NCUA Chairman and Travis Hill, FDIC Acting Chairman, both eager to support…
Continue reading “Will 2025 Be the Year for a De Novo Comeback?”…
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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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