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We Analyze Banks & Credit Unions ...very carefully

New Bank & Credit Union Star-Ratings; Bauer Stresses Importance of Staying Informed as Industry Consolidates

September 12, 2019: BauerFinancial, Inc., Coral Gables, FL, the nation’s leading independent bank and credit union rating firm, is proud to announce that over 200 institutions have just earned its highest (5-Star) rating, that previously had not. The new ratings,…

Mutual Bank Growth Through Conversion

Unlike commercial banks, mutual banks are community banks with no stockholders or direct ownership. They are co-ops, owned by the depositors themselves. Originally created to promote savings and home-ownership, the first mutual was established in Boston in 1816. Historically, Massachusetts…

All Bank Star-Ratings Now as of June Data

All bank star-ratings are now based on June 30, 2019 financial data. (Credit union data will be updated in early September.) And, as a result, Bauer welcomes 104 banks to its top 5-Star category. There are 40 fewer recommended banks…

Why We Love a Good Vanilla

A bank’s Efficiency Ratio measures how much of its operating revenue is spent on overhead, so a lower ratio indicates greater efficiency. According to the FDIC Quarterly Banking Profile (QBP), the average bank efficiency ratio at March 31, 2019 was…

There is no Such Thing as Recession-Proof

We have been reporting a lot lately on different loan categories as we’ve been probing for cracks in the armor. Talks of an impending recession are getting louder and more prevalent, so we will continue that pursuit. This week, however,…

Who’s Afraid of Ghost …Malls ?

Commercial Real Estate (CRE) loans are comprised of multifamily (five or more) residential real estate, office buildings, shopping malls and most other structures that house businesses. Most of which have expanded along with the economy over the past several years.…