Abrigo

DECEMBER 2, 2014

To provide a report card on industry status and performance, the FDIC publishes a Quarterly Banking Profile. Another bright spot: less than seven percent of community banks were unprofitable – the lowest since the second quarter of 2006. They performed better than a year ago and also outperformed the industry as a whole.

Community Bank 207

Community Bank FDIC Community Industry 207

PYMNTS

OCTOBER 1, 2019

In the next 10 years, as robots and other tech bring about the “greatest transfer from labour to capital” the industry has witnessed, per a report by Wells Fargo analysts, U.S. Federal Deposit Insurance Corporation (FDIC) data, however, shows that the industry’s overall headcount has shrunk only 16 times as of 1935.

Technology 217

Technology FDIC US Big Data 217

PYMNTS

OCTOBER 1, 2019

In the next 10 years, as robots and other tech bring about the “greatest transfer from labour to capital” the industry has witnessed, per a report by Wells Fargo analysts, U.S. Federal Deposit Insurance Corporation (FDIC) data, however, shows that the industry’s overall headcount has shrunk only 16 times as of 1935.

Report 100

Report FDIC US Big Data 100

Abrigo

JULY 25, 2017

Leading up the recession and these significant losses, CRE grew in a regulatory environment that “permitted lower capital requirements and did not impose lending caps, merely supervisory limits”. These caps were 100% of capital for construction loans, and 300% for all investor CRE. Residential construction - 85% 5.

Risk Management 150

Risk Management Management Capital Lending 150

PYMNTS

OCTOBER 17, 2017

An industrial bank is an FDIC-insured depository institution that is generally subject to the same banking laws and regulations as any other bank charter type, with the important exception of the Bank Holding Act of 1956. Before this year, the last time that happened was in 2006, when Walmart made a move on an ILC.

Industry 108

Industry Fintech FDIC Community Bank 108

Jeff For Banks

JUNE 2, 2023

bank failures per year between 1996 and 2006, and 3.6 Finally, resolution of failing financial institutions requires that the deposit insurance fund be strongly capitalized with real reserves, not just federal guarantee.” Between 1941 and 1979, an average of 5.3 banks failed a year. There was an average of 4.3 between 2015 and 2022.

FDIC 78

FDIC Community Bank Regulation Lending 78

Jeff For Banks

JANUARY 3, 2012

It was in the aftermath that capital, the denominator in the return on equity calculation, resumed its place as king. They thinned their capital leaving them more susceptible to distress during economic hard times. I searched all publicly traded banks and thrifts that existed in 2006 and sorted them by the highest ROE.

Capital 84

Capital Atlanta FDIC US 84