Net interest margin

Why the C&I slowdown is likely to persist in 2020

12/31/19

Political uncertainty, sector-specific concerns as well as interest rate and labor trends may continue to depress commercial and industrial lending in the coming months.

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Threat of negative rates has banks setting floors on loans

11/27/19

Many lenders are establishing a firm bottom on variable interest rates amid intense competition for commercial credits, rising deposit costs and the possibility that the Fed could take rates to unprecedented lows.

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An internet banking pioneer’s view from the catbird seat

11/26/19

David Becker, who founded First Internet Bank two decades ago, says traditional banks' digital-only ventures are only making his bank look more mainstream.

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Industry's 3Q strong despite ‘nonrecurring events’ at 3 banks: FDIC

11/26/19

Profits dipped 7% from a year earlier but banks still earned nearly $60 billion, the agency said in its Quarterly Banking Profile.

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No room for error with deposit pricing

11/25/19

Banks need to more actively manage margins — including the use of new modeling technology — in the current low-interest-rate environment.

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Westamerica once again eyeing M&A, CEO says

11/19/19

The once-acquisitive company appears ready to come off the sidelines, but will it be as a buyer or seller?

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What helped Cullen/Frost expand its 3Q margin

10/31/19

The San Antonio company said it withstood rate pressures because it has been ahead of the game in deposit pricing over the last two years.

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Zions is latest regional to announce layoffs

10/23/19

Huntington Bancshares and U.S. Bancorp also said in recent days that they are eliminating jobs to reduce overhead and improve profits. With net interest margins shrinking and branch traffic continuing to decline, expect more banks to follow suit, analysts say.

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One regional bank’s plan to wait out the Fed

10/18/19

Count Citizens Financial’s Bruce Van Saun among those who think interest rate cuts could halt by mid-2020. The key, he says, is to focus on delivering services customers are willing to pay fees for and to skillfully reprice deposits until then.

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How long can banks lean on C&I?

10/17/19

Commercial lending provided a boost for some regional banks in the third quarter, but further rate cuts and a slowing economy could challenge future growth.

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