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Data and analytics for community bankers

BankingStrategist.com provides data and analysis on key topics impacting the community banking industry. The information is presented in various forms from tables to graphs and maps (Click on any image to enlarge). BankingStrategist.com provides a unique and different view on various planning processes and on key information covering important topics to supplement your analysis, including:

  
 INDUSTRY CONSOLIDATION

 STRATEGIC PLANNING CONCEPTS

 ECONOMIC & HOUSING DATA

 State of banking industry consolidation: 
      Banking Industry Consolidation Rate;
Bank Merger Rate ;
Bank Failure Rate ; and
De Novo Bank Replenishment Rate.

 Industry consolidation by bank size and state. 

 Concepts on strategic planning processes. 
 Commentary on selective issues impacting bank strategic planning. 
 Approaches to achieve Acquisition Readiness.
 Key steps and activities for community bank capital planning. 

 Economic data for ALCO Committees.
 Housing and mortgage finance data for bank planning.
 Key dashboards for various bank planning activities.

These dashboards and reports are for your information and use. Examples are shown below with links to appropriate website sections.

We hope that you find several of these beneficial to your strategic planning, ALCO and business planning efforts. We can assist you as you have topics under review relevant to your bank. Who uses this information and data: Community Banks, vendors and other partners to the Community Banking segment, bank analysts, university students and others.

For further information, inquiries on data OR requests for analysis or DISCUSSION,

please contact BankingStrategist.

KEY BANKING INDUSTRY CONSOLIDATION METRICS

Current L4Q statistics and historic rates since 1990 for key banking industry consolidation metrics.


BANKING INDUSTRY CONSOLIDATION RATE	BANK MERGER RATE
Latest 4 Quarters: 2.5% Since 1990: 3.6% L4Q Q4 2023 (percentage decline in number of U.S. banks)	Latest 4 Quarters: 2.3% Since 1990: 4.4% L4Q Q4 2023 (# of banks merged as percent of total banks)

DE NOVO BANK REPLENISHMENT RATE	BANK FAILURE RATE
Latest 4 Quarters: 4.8% Since 1990: 21.3% L4Q Q4 2023 (# de novo banks opened as percent of merged, liquidated and failed banks)	Latest 4 Quarters: 0.1% Since 1990: 0.3% L4Q Q4 2023 (# of failed banks as percent of total banks)

SELECTIVE BANKING INDUSTRY DATA AND ANALYTICS FOR COMMUNITY BANKERS

BankingStrategist.com provides summary data in tables and graphs for the banking industry with focus on segmenting the Community Bank segments. Key information on the banking industry consolidation is included. Click on the red (Link) item in each sector summary in the left column to hyperlink to that section on this website. Banking data is generally updated quarterly, or more frequently, as new information becomes available.

BANK ANALYTICS

Current and historical data and trends; and analysis on the banking industry, including Community Banks. (Link)

**Bank Loan Quality Dashboard - Quarterly**

BALANCE SHEET TRENDS

Quarterly analysis of trends, segmented by bank asset size, in total assets, loans, deposits, equity and other key balance sheet categories. (Link)

INDUSTRY CONSOLIDATION

Banking industry consolidation trends continue. The Banking Industry Consolidation Rate represents the percentage decline in the number of banks from one year ago. (Link)

DE NOVO BANKING TRENDS

While historically an important element of banking, de novo bank chartering activity has reached historic lows. The De Novo Bank Replenishment Rate represents the percentage of de novo banks that are opened compared to the number of banks that have merged or failed. (Link)

**Trends in FDIC De Novo Bank Activity Since 2000**

**De Novo Bank Replenishment Rate Since 2000**

COMMUNITY BANKING TRENDS

Community Banks are found across the U.S. And, importantly, Community Banks are primary financial institutions in rural and smaller markets. M&A activity continues to impact number of community banks. (Link)

BANK MERGERS

Bank mergers have been an important strategy used by banks of all sizes and across the U.S. While there have been cycles, bank merger activity has been ongoing. (Link)

BANK FAILURES

Bank failures have surfaced in cycles and driven by specific asset or loan issue: oil, commercial real estate, residential real estate, etc. Or sometimes more one-off resulting from insider or outsider fraud. (Link)

  
Time Since Last Bank Failure: 

11/3/2023

Citizens Bank

FEDERAL HOME LOAN BANKS

Overview and history of the Federal Home Loan Bank system, membership, advance activity, affordable housing program and other information. (Link)

BANK PLANNING

Concepts, approaches, timelines and issues relevant to your various long range and strategic planning efforts. (Link)

ECONOMIC DATA, REPORTS AND ANALYTICS FOR COMMUNITY BANKERS

BankingStrategist.com provides summary data in tables and graphs covering all of the key economic sectors of the U.S. economy. Click on the red (Link) item in each sector summary in the left column to hyperlink to that section on this website. Economic data is updated generally weekly or monthly as new information becomes available.

ECONOMICS

Economic dashboards, data and analysis on interest rates, Fed monetary policy, GDP, labor markets and international trade to support your bank’s long range, capital and other planning activities. (Link)

ECONOMICS - MIDWEST

Economic dashboards for selected Midwestern states to support your bank’s ALCO and other planning activities.
Currently dashboards for several Midwest states: Illinois, Indiana, Michigan, Ohio and Wisconsin are available. Click on the image to open your PDF copy. (Link)

GDP & ECONOMIC GROWTH

Current and historical data and trend charts on Gross Domestic Product and key components. (Link)

INFLATION

Current and historical data and trend charts on inflation. (Link)

**Core PCE = Personal Consumption Expenditures, excluding food and energy items.**

INTEREST RATE TRENDS

Current and historical data and trend charts on U.S. Treasury rates and spreads. (Link)

SHORT TERM INTEREST RATES

Current and historical data and trend charts on bank prime rate, commercial paper rate and secured overnight financing rate (SOFR). (Link)

CONSUMERS

Current and historical data and trend charts on employment, personal income, spending, sentiment and borrowings. (Link)

**Credit Card and Revolving Credit Debt**

CORPORATE BOND MARKETS

Current and historical data and trend charts on corporate bonds outstanding, issuance, yield curve and risk premiums. (Link)

**Corporate Bond Issuance and Outstanding**

**Corporate Bond Yield Curve and Risk Premium**

FED MONETARY POLICY

Data and analysis of Federal Reserve programs supporting monetary policy goals through interest rates and its balance sheet. (Link)

FEDERAL FISCAL POLICY

Data and analytics on federal spending, receipts, debt outstanding, foreign, Federal Reserve and other investors in U.S. government securities. (Link)

HOUSING SECTOR

Current and historical data, trends and analysis on the housing sector and mortgage finance markets, including interest rates, housing prices, housing starts and sales and other statistics. (Link)