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…
New Credit Union Star-Ratings Are Now Available
All bank and credit union star-ratings are now based on December 31, 2024 financial data. As both banks and credit unions continue to consolidate, most other measures continue to rise. Our focus this week was on the credit union industry,…
All New Bank Star-Ratings Now Available
All bank star-ratings have now been updated based on year-end 2024 data. (Credit unions will be out soon.) The FDIC’s new Acting Chairman, Travis Hill, (since January 20th) has already made two big changes in the release of new bank…