Capital Definition National Regional 
South State Correspondent
MARCH 5, 2024
When we analyze the same size/ROA relationship using banks’ efficiency ratios, it is not surprising that community banks (under $10B in asset size) have, on average, a 5% higher efficiency ratio than regional banks ($10B to $50B in asset size) as shown in the graph below. Larger loans have lower credit risk, all else equal.
South State Correspondent
MARCH 5, 2024
When we analyze the same size/ROA relationship using banks’ efficiency ratios, it is not surprising that community banks (under $10B in asset size) have, on average, a 5% higher efficiency ratio than regional banks ($10B to $50B in asset size) as shown in the graph below. Larger loans have lower credit risk, all else equal.
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South State Correspondent
FEBRUARY 27, 2024
Treating all credit facilities equally by setting minimum credit spreads regardless of size, term, cross-sell opportunities, lifetime value, and credit quality leads to misallocation of capital and substandard return on assets (ROA) and return on equity (ROE). Why do banks use RAROC loan pricing models? Cost-plus pricing.
CFPB Monitor
DECEMBER 22, 2020
The FDIC has issued a final rule that establishes a new framework for analyzing whether deposits made through deposit arrangements qualify as “brokered deposits” and amends the methodology for calculating the interest rate restrictions that apply to less than well capitalized insured depository institutions (IDIs). Interest rate limits.
PYMNTS
JANUARY 21, 2020
As of the third week of this month, it has grown to 300 cases spread across five nations, including China, Japan, Thailand, South Korea and (as of this week) the U.S. The massive national holiday is considered a peak time for international travel among Chinese nationals. The virus, it seems, is spreading rapidly.
South State Correspondent
DECEMBER 8, 2023
In two days, you can hear from Chase, US Bank, Capital One, BMO, M&T, PNC, Citizens, Truist, Huntington, and more, a feat that can only be done at a conference of this caliber. We sat through almost every presentation and took pages of notes. Traditionally, helping with the basics, as outlined below, has been common.
PYMNTS
MARCH 1, 2016
Store front businesses in Vermont ha ve done a bit better than in regional counterparts in three out of the four categories tracked, but then again, the region itself was fairly lagging behind the overall nation. percent for the state, with the overall nation at 4.9 percent for the state, with the overall nation at 4.9
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