Banking Analytics: Banks Experience Asset Growth amid Ongoing Consolidation
Jenkins, Suzanne; Romanko, Reed (2026-05-14)
From 2020 to 2025, the number of U.S. banks declined by 13% while average asset size per institution grew by 33% to $5.8 billion.
On the Economy

Banking Analytics: The Growing Connection between Bank and Nonbank Sectors
Estenssoro, Amalia; Romanko, Reed (2025-06-30)
U.S. banks have steadily increased lending to nondepository financial institutions, such as mortgage firms and insurers, in recent years. What is the composition of these loans to NDFIs?
On the Economy

Banking Analytics: Understanding Credit Risk with the Texas Ratio
Jenkins, Suzanne; Romanko, Reed (2025-11-04)
Developed in the 1980s during the Texas banking crisis, the Texas ratio offers an indicator of a bank’s health by measuring the institution’s troubled loans against its capital resources to absorb losses.
On the Economy

Banking Analytics: Understanding the Composition of Bank Loan Portfolios
Romanko, Reed; Estenssoro, Amalia (2025-05-19)
In the fourth quarter of 2024, commercial real estate loans represented a quarter of U.S. banks’ loan portfolios. What other types of loans did these institutions hold?
On the Economy