Banking Related Topics 
Calculated Risk
JANUARY 14, 2025
There were four bank failures in 2024. There were five bank failures in 2023, however 3 of the failures were larger banks: First Republic Bank, San Francisco, CA, Signature Bank, New York, NY, Silicon Valley Bank, Santa Clara, CA. Typically about 7 banks fail per year. Click on graph for larger image.
Calculated Risk
FEBRUARY 25, 2025
The FDIC released the Quarterly Banking Profile for Q4 2024: Full-Year ROA and Net Income Increased in 2024 The banking industry reported full-year net income of $268.2 However, these banks tend to have lower concentrations of such loans in relation to total assets and capital than smaller institutions, mitigating the overall risk.
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Calculated Risk
FEBRUARY 3, 2025
Meanwhile, banks reported stronger demand for C&I loans to large and middle-market firms, while demand for C&I loans to small firms remained basically unchanged. Furthermore, banks generally reported tighter standards and basically unchanged demand for commercial real estate (CRE) loans.
The Big Picture
MARCH 22, 2023
Bank failures since 2001, scaled by amount of assets in 2023 dollars. The graphic above, via Flowing Data , puts recent events into perspective: At $209 billion in assets, the Silicon Valley Bank failure since Washington Mutual crashed in 2008 (JPM Chase took them over from the FDIC). The post U.S.
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How are some regional banks outperforming their bigger rivals? Digital lending technologies are helping banks make the transition faster so they can compete more effectively. It’s an opportunity that other small and regional banks can learn from, and this guide is the playbook for how to do it.
Calculated Risk
MAY 29, 2024
The FDIC released the Quarterly Banking Profile for Q1 2024: Reports from 4,568 commercial banks and savings institutions insured by the Federal Deposit Insurance Corporation (FDIC) report aggregate net income of $64.2 percent is now at its highest level since fourth quarter 2013, driven by office portfolios at the largest banks.
The Big Picture
MARCH 4, 2025
The transcript from this weeks, MiB: Melissa Smith, co-Head of Commercial Banking at JPMorgan , is below. Melissa Smith is co-head of commercial banking for JP Morgan. Previously she was co-head of the bank’s Innovation Economy Group. And just to define that middle market sort of means in, in the commercial banking, right?
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Small and midsized banks are at tremendous risk. Community banks are at risk of losing their core business to the companies innovating in the paytech and lendtech spaces. On the surface, things are going well for community and regional banks and credit unions. Small business lending is ground zero for this imminent disaster.
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This is a great way for banks to stay competitive, as they can offer an improved experience that leads to higher customer satisfaction. Banks often face the choice between staying on top of the latest trends, or hoping they go away and refusing to adapt.
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This eBook explains the features of a Business Lending Platform that community banks should make their top priorities when evaluating any business lending software. What should you look for in a Business Lending Platform?
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It's time to end that worry and embrace what could make a major difference for your bank. Understanding how they work and how to best utilize them for your banks is key toward success. Digital platforms can provide you with plenty of solutions, yet many are still intimidated by them. Feeling unsure about digital platforms?
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For banks and financial institutions to stay competitive and meet the evolving needs of their customers, these drivers must be understood and engaged with. As we step into 2024, the lending landscape evolves rapidly with technology, regulations, and market dynamics driving change.
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By understanding the impact and possibilities of Generative AI in business lending, banks can stay ahead of the curve and make informed decisions. Generative AI (Artificial Intelligence) is poised to revolutionize the world of business lending.
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Small Business Administration (SBA) loans are more important than ever for banks in the wake of the COVID-19 pandemic and the Paycheck Protection Program (PPP). A digital-first strategy for SBA loans is required to capitalize on the permanent impact to business banking.
Speaker: Joe Buhrmann, MBA, CFP®, CLU®, ChFC® Senior Financial Planning Practice Management Consultant eMoney Advisor
During an era of evolving consumer preferences, the banking sector is undergoing a profound shift. As customers continue to broaden their perspectives, banking professionals must support their customers' financial wellness by providing holistic financial advice that aligns with individual goals and circumstances.
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