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The Institutional Risk Analyst
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Atlas Stumbles, Silvergate Wallows; 360 Mortgage v. Fortress (and RITM)
Are nonbank mortgage firms a risk to Ginnie Mae? Or is it really the other way around?
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Mar 6, 20238 min read


Silvergate, Reverse RPs and the “Theology of Prosperity”
Crypto, of course, is not an asset as much as a bad idea that was given life by Quantitative Easing
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Jan 25, 20238 min read


Update: Crypto Fraud Crumbles as Bank Stocks Surge
Crypto has gone from a sort-of juiced up equity strategy to a distressed credit story in just hours.
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Nov 10, 20225 min read


Interest Rates & Bank Earnings
The good news for BAC and other banks is that there is a discernable lift underway on the yield of bank balance sheets
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Jul 19, 20226 min read


Update: Ally Financial (ALLY)
The 5-year CDS spreads for ALLY were trading 280bp over the swaps curve compared with 120bp for Citigroup (C) & 150bp for CapitalOne
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Jul 13, 20224 min read


Equity Market Valuations & Quantitative Tightening
The reduction in the Fed's balance sheet is the largest ever margin call on equity exposures of all descriptions.
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May 23, 20227 min read


Update: Western Alliance Bancorp (WAL) and Silvergate Corp (SI)
There are virtually no conventional lenders in the US today that are profitable when the sell a loan into the secondary market.
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Apr 22, 20226 min read


Profile: Silvergate Capital Corp (SI)
SI’s management team is taking advantage of the narrative in Washington, which is that stable coins will be a bank only product
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Feb 16, 20226 min read
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