Brokered CDs Reaching New Highs in 2024 and 2025 Deposit costs at banks reflect competition from yields on the 3-month T-Bill of 5.6%, and the 2-year at 5.1%, coupled with the upward pressure of another likely hike in the Fed funds rate this year. Together, these yields forecast rising deposit costs…
Even banks with long track records of good management and growing net worth can very quickly reverse direction, and spin out into a value-destroying mode of operation...especially during times of economic stress. Too often, much damage is done before management recognizes that it has a problem, is able to diagnose its…
Assessing Operating and Financial Strategies The Common Stockholder's Net Operating Profit After-tax Return on Tangible Common Equity Capital (NOPAT ROE) ratio and the Operating Profit Margin are two unique ratios that are of particular importance in IDC Financial Publishing’s (IDCFP) risk assessment process. Below is a summary description of the NOPAT…
The IDC Financial Publishing (IDCFP) quarterly ranks of banks and credit unions have become one of the nation’s prime sources of institution quality rankings. Individual banks, holding companies, and credit unions rely on IDCFP’s data when evaluating their institution’s performance in relation to their peers. In addition, IDCFP’s quarterly assessment…
The financial condition of a bank depends on a number of factors, from the balance sheet to the income statement. The best way to understand the impact of all these factors is to consider them relative to a defining factor for your particular institution, which ranges from asset size to…
