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Commercial Real Estate or Business Lending: Which Is Better?

Jeff For Banks

Me: Commercial Real Estate loans are the most profitable product in a community bank's arsenal and have been through various interest rate environments. The charts below show the pre-tax profits as a percent of the total product portfolio during different rate scenarios compared to the Fed Funds Rate. But we have work to do.

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Predicting the Next Banking Crisis Is a Fool’s Game. Not Learning From the Last One: Equally Foolish

Jeff For Banks

More recently and by comparison, the mortgage meltdown and subsequent global financial crisis took down more than 500 banks between 2007 and 2014, with total assets of nearly $959 billion. Although community banks did not lend to sub-prime borrowers in any meaningful way, did we participate? trillion failed. What caused it?

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What's With Regulator Agita Over Bank Commercial Real Estate Lending?

Jeff For Banks

and New York Community Bancorp called off their planned merger. Construction concentration criteria : Loans for construction, land, and land development (CLD) represent 100% or more of a banking institution's total risk-based capital. It shows the pre-tax profit as a percent of the loan portfolios measured.

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My Fantasy Banking Team

Jeff For Banks

Since his joining the Board, the bank has stabilized, returned to profitability, recaptured it's deferred tax asset, and NPAs/Assets have declined to less than 3%. Selection: Greg Garrabrants, BofI Holding, Inc, (NASDAQ: BOFI) Greg has been in charge of the Bank since 2007. Chan came as part of the recap, and rose to Chairman in 2014.

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2021 GonzoBanker Awards

Gonzobanker

Goes to Eric Sprink, Coastal Community Bank , Everett, Wash. Through all this, First Farmers has remained disciplined in performance and squarely focused on customers and community. Like how does that play into our communities? Since 2017, ROAE has grown from 7% to approximately 20% and ROAA has increased from.82% Inspirational?

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Stripe Teardown: How The $35B Payments Company Plans To Supercharge Online Retail

CB Insights

This growth has created major opportunities in the payments space, and companies like Stripe — the payments unicorn valued at a masive $35B — are hungry to capitalize on them. Stripe’s early success in acquiring customers was largely due to its mass appeal to the developer community. Get the full report. How Stripe makes money .

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Guest Post: Third Quarter Economic Update by Dorothy Jaworski

Jeff For Banks

If I said it once, I said it one thousand times: “My biggest fear is that the Fed is sowing the seeds of the next crisis with their flatter yield curve tricks, leaving many investors holding these low yielding long bonds when rates rise in future years, unable to get out without substantial capital losses.” We should all be so lucky.