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The Institutional Risk Analyst
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WGA Releases Q1 2025 Bank Industry Survey | Higher for Longer May Throttle Deposit Growth
Industry results in 2024 were reasonably good, but the banking industry is still 200 bp below 2019 levels of asset and equity returns
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Feb 282 min read


Update: Charles Schwab | SCHW
The SVB duration management from 2020 onward was recklessly negligent by any reasonable standard
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Jan 225 min read


Liquidity Preference: SVB Financial Group, WaMu & Reemerging GSEs
Selling the Treasury's control position in the GSEs while dragging the furious shareholders along behind is not an attractive opportunity
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Dec 12, 20247 min read


Housing Finance Outlook; PennyMac, Mr. Cooper & NYCB/Flagstar
NYCB and the unsold rent-stabilized assets left over from the failure of SBNY are two little surprises waiting for the next POTUS.
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Oct 28, 20249 min read


Powell Overshoots the Runway; Update: American Express & Charles Schwab
Last year, when a lot of people were predicting the demise of SCHW, we told our readers to calm down.
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Oct 23, 20247 min read


What Does Washington Federal Say About Bank Earnings?
We all dodged a bullet in Q2 2023 because the repricing of assets and deposits slowed from the crazy levels seen at the end of March.
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Jul 16, 20236 min read


First Take on FDIC Bank Data
If we assume that asset returns will continue to rise, but that bank funding costs will rise 5x asset returns, then US banks have a problem
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Jun 1, 20234 min read


Update: New York Community Bank
We liked the NYCB + Flagstar story prior to the transaction with the FDIC for the assets and deposits of Signature Bank.
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Mar 26, 202310 min read


Bank M2M Losses Surge in Q3 to $347 Billion
Rapidly rising interest rates in Q3 2022 pushed down the tangible capital for the US banking industry to negative $1.9 trillion
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Dec 6, 20221 min read


Will the FOMC Break the Financials?
Will the market risk created by quantitative tightening (QT) tip over a large bank or nonbank financial firm?
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Oct 17, 20227 min read
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