The Institutional Risk Analyst

We liked the NYCB + Flagstar story prior to the transaction with the FDIC for the assets and deposits of Signature Bank.

The big take away from Q4 2022 earnings is that credit expenses are headed higher and at a brisk pace

No amount of computer power can really, really enable you to predict when Fred and Wilma are going to sell or refinance their home.

In the Q3 2021 edition of The IRA Bank Book, we document the slow destruction of US bank asset and equity returns by the FOMC.

We expect to see a lot more M&A activity over the next 12 – 18 months, as that’s the only way for some players to grow share.

The combination of New York Community Bank and Flagstar creates an $85 billion bank with a national mortgage business