When a Bank’s Interest Margin is Too Big
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…
Community Banks are Open for Deposits
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…
Will 2025 Be the Year for a De Novo Comeback?
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…