How Financially Literate Are You Really?
April is Financial Literacy Month, highlighting the importance of improving financial knowledge for both adults and children. Many financial institutions, organizations, and even public figures (like Jennifer Hudson and former NFL player Brandon Copeland) are promoting financial education. Many of…
To Fee or Not to Fee, That is the Real Question
In 2025, while 85 U.S. banks reported zero domestic service charges, six large banks continued to generate more than 55% of all bank service‑fee income. Industrywide, bank service‑fees are rising modestly, but remain below 2019 (pre-pandemic) levels. A list of…
Measuring Bank Performance: Beyond Net Income
The Federal Reserve held rates steady at 3.5%-3.75%, prompting a review of bank profitability beyond net interest margins. This analysis focuses on Return on Assets (ROA), highlighting the 50 banks with ROAs of 2.83% or higher at year‑end 2025. Profitability…