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Introduction

Category: Pandemic

Category: Pandemic

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”…
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”…
Image of a house tipping over onto a dollar sign

Mortgage Performance Declines

Posted on: July 12, 2021 July 13, 2021 Written by: BauerFinancial
A recent report by the Office of the Comptroller of the Currency (OCC) grabbed our attention with this headline. Then we realized, it was comparing mortgage performance to a year ago (Q1’20 i.e. pre-pandemic). While we did see a spike…
Continue reading “Mortgage Performance Declines”…
We Analyze Banks & Credit Unions ...very carefully

Credit Loss Expectations Brighten

Posted on: June 16, 2021 July 26, 2021 Written by: BauerFinancial
Coral Gables, Florida, June 16, 2021 Coral Gables, FL: BAUERFINANCIAL, Inc., the nation’s premier Bank and Credit Union rating firm, is pleased to report that the majority of U.S. banks have been able to reverse loan loss provisions as the…
Continue reading “Credit Loss Expectations Brighten”…

Economic Injustice Puts Banks on Notice

Posted on: June 8, 2021 June 8, 2021 Written by: BauerFinancial
As we write this week’s article, CEOs of six of the nation’s largest banks are taking a verbal beating from Congress. Lawmakers took exception to some of the ways they perceive these bankers have taken advantage of poorer clients during…
Continue reading “Economic Injustice Puts Banks on Notice”…

Lending a Helping Hand, Sometimes Means Lending.

Posted on: May 24, 2021 May 24, 2021 Written by: BauerFinancial
Loan volumes at the nation’s community banks grew over 10% during 2020. And that’s no coincidence. With help from the Government’s Paycheck Protection Plan (PPP) Program, Commercial & Industrial (C&I) Loans accounted for more than two-thirds of that growth. But…
Continue reading “Lending a Helping Hand, Sometimes Means Lending.”…

Temporary Hit to Capital Ratios

Posted on: May 10, 2021 May 12, 2021 Written by: BauerFinancial
…and They’d do it Again. This week we will take a look at how some community banks have been helping their neighbors and communities during the past year. In some cases, that help has come at the expense of the…
Continue reading “Temporary Hit to Capital Ratios”…
Bank Branches Closing

Big Bank Branches are Fewer by the Month

Posted on: May 3, 2021 May 10, 2021 Written by: BauerFinancial
It seems that every week there’s a new story about a bank that’s closing branches. We’ve almost become numb to it… unless of course it’s our branch that’s shutting down. But its who is closing those branches is what we…
Continue reading “Big Bank Branches are Fewer by the Month”…
Money-Key Unlocks the Puzzle

Financial Inclusion: We Can All Play a Part

Posted on: April 12, 2021 April 12, 2021 Written by: BauerFinancial
The FDIC launched the pilot of a new public awareness campaign last week (April 6th) on the benefits of having a bank account. The pilot targets the Houston and Atlanta areas, where it confirmed that both Black Americans and Hispanic…
Continue reading “Financial Inclusion: We Can All Play a Part”…
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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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