Independent Banker

APRIL 30, 2022

3-yr average pre-tax ROA. pre-tax ROA: 3.08%. pre-tax ROA: 2.83%. In order to compete as a small bank, we have been forced to keep higher-than-peer capital levels, so that our lending limit allows us to service local borrowers’ needs. pre-tax ROA: 2.68%. 3-yr average pre-tax ROA. Less than $300 million.

Community Bank 172

Community Bank Community Montana Taxes 172

Jeff For Banks

AUGUST 13, 2014

If a bank is publicly held and management tells their investors they shoot for 10% growth, the number gets harder to achieve as the bank grows larger. One such bank that consistently stunned competitors and analysts with hefty growth was the former Commerce Bank of Cherry Hill, NJ. One of them was the law of large numbers.

NJ 84

NJ Strategy Leadership National 84

Jeff For Banks

JUNE 2, 2023

Finally, resolution of failing financial institutions requires that the deposit insurance fund be strongly capitalized with real reserves, not just federal guarantee.” To you, manage your interest rate risk. My lesson learned to the regulators, read your past lessons learned. But there are different degrees of bad.

FDIC 78

FDIC Community Bank Regulation Lending 78