Benchmarking & Data

Ranking the Banks

A comprehensive database of bank rankings, league tables and vital statistics
Rate Tracker

Monitor and look up average deposit and loan rates by product and by state
Board Reports

A quarterly assessment of the key metrics that drive bank performance
Product Management

Comparative analysis of deposit, loan, and investment product performance
Profitability Management

Principal operating ratios that dissect non- and net-interest income and expenses
Regulatory Reports

A peer evaluation of compliance based on the primary regulatory metrics and ratios
Risk Management Reports

Comprehensive assessment of capital, asset quality, liquidity and performance

Homebuilding May Mark Turnaround for Small Banks

Harry Terris | Feb 17

Never mind the shadow inventory of homes ultimately destined for foreclosure. By some lights, the broader excess stock of housing – both for rent and for sale – is manageable, and grounds for a bull case on construction, and maybe construction lending.

Risk Management

National/Global

Small Banks' Durbin Shield Worked in 4Q

Harry Terris | Feb 13

Interchange revenue increased at small banks in the fourth quarter – the first three months since the debit fee cap was implemented – while it crashed by $2.1 billion, or about $8.5 billion at an annual rate, at banks not protected by the exemption.

Consumer Finance

Regulation & Reform

Grim Survival Rate for Banks Under Regulatory Orders

Harry Terris | Feb 08

Failure has been the most common way out of enforcement actions in the current cycle, but outcomes may be improving.

Risk Management

Regulation & Reform

Growing Interchange Income Boosts Card Businesses

Harry Terris | Feb 03

The Durbin amendment has sapped debit card revenue, but swipe fees are contributing a growing share of earnings at large credit card businesses.

Risk Management

Regulation & Reform

Metrics & Measures

Enforcement Actions Ceasing and Desisting

Harry Terris | Feb 01

Safety-and-soundness orders continued to abate late last year in another sign that the banking industry is regaining its balance.

Community Banking

Risk Management

Metrics & Measures

Dividend Yields Return, Dividends Do Not

Harry Terris | Feb 01

The underperformance of big bank stocks last year helped restore their yields to a rough parity with smaller peers, but actual quarterly payouts remained a small fraction of pre-crisis levels.

Regulation & Reform

Risk Management

Recovering Bad Card Debts Feeds Issuers’ Profits — For Now

Harry Terris | Jan 31

New defaults have tailed off and the pool of bad accounts against which to collect is aging. Yet recoveries have held steady or climbed at large issuers – even in the face of stiffening resistance over documentation problems.

Risk Management

Cards/Payments

Former Tarp Banks Lag Peers in SBLF Lending

Harry Terris | Jan 24

Data published this month provides support for criticism of the small business lending program as a backdoor exit from Tarp for small banks. Institutions that used SBLF capital to refinance bailout infusions increased such loans at far lower rates than peers.

Comments (4)

Community Banking

Risk Management

Uptick in Card Loan Losses in View

Harry Terris | Jan 19

Even as releases of allowances for bad credit card loans continue to plump bottom lines, rising delinquency rates in the fall point to the first increase in quarterly chargeoff rates in a year and a half at three of the largest issuers.

Risk Management

Consumer Finance