Latest news with #creditquality
Associated Press
4 days ago
- Business
- Associated Press
KBRA Releases Second-Quarter 2025 U.S. Bank Compendium
NEW YORK--(BUSINESS WIRE)--Aug 15, 2025-- KBRA releases its second-quarter 2025 U.S. Bank Compendium, providing the latest view of the U.S. banking industry and analysis of 2Q25 results for publicly traded U.S. banks with KBRA ratings. In this edition, we examine how KBRA-rated banks are navigating a stabilizing yet still uncertain environment. Net interest margin expansion continues to support earnings, helping to offset modestly rising expenses and credit costs. While overall credit quality remains solid, emerging stress in the multifamily and office commercial real estate sectors warrants close monitoring. We also assess the increasing use of loan modifications during periods of borrower distress and loan maturities. Additionally, we highlight a resurgence in subordinated debt issuance, as banks take advantage of improved market conditions. At the same time, M&A activity remains measured, reflecting both strategic caution and a limited pool of attractive targets. Finally, we explore how evolving regulatory developments, most notably the GENIUS Act, may influence long-term strategic planning and capital deployment across the banking sector. The Compendium includes 2Q25 summaries on all publicly traded U.S. banks in KBRA's rated universe, focusing on key performance and credit metrics, along with medians of key ratios. The Compendium also includes the top 10 lowest cost deposit franchises, highest reserves to loans, and largest sequential changes in return on assets, net interest margin, net charge-offs, and nonperforming asset ratios. Further, we provide a detailed supplement of KBRA-rated debt issues—along with rating, amount issued, coupon, and maturity. Click here to view the report. Related Publications About KBRA KBRA, one of the major credit rating agencies, is registered in the U.S., EU, and the UK. KBRA is recognized as a Qualified Rating Agency in Taiwan, and is also a Designated Rating Organization for structured finance ratings in Canada. As a full-service credit rating agency, investors can use KBRA ratings for regulatory capital purposes in multiple jurisdictions. Doc ID: 1010787 View source version on CONTACT: John Rempe, Senior Director +1 301-969-3045 [email protected] Jezerski, Associate Director +1 301-960-7047 [email protected] Chadwick, Associate +1 301-960-7042 [email protected] Ropp, Managing Director +1 301-969-3244 [email protected] Rumohr, Managing Director +1 312-680-4166 [email protected] Servaes, Managing Director +1 301-969-3247 [email protected] Jaffe, Senior Managing Director +1 646-731-3302 [email protected] Scott, Senior Managing Director +1 646-731-2438 [email protected] Development ContactJustin Fuller, Managing Director +1 312-680-4163 [email protected] KEYWORD: UNITED STATES NORTH AMERICA NEW YORK INDUSTRY KEYWORD: BANKING PROFESSIONAL SERVICES FINANCE SOURCE: Kroll Bond Rating Agency, LLC Copyright Business Wire 2025. PUB: 08/15/2025 12:20 PM/DISC: 08/15/2025 12:19 PM
Bloomberg
5 days ago
- Business
- Bloomberg
Nubank Sees Credit Growth Continuing as Quality Gauges Hold Up
Nu Holdings Ltd., Latin America's biggest digital bank, reported a decline in credit quality that was roughly in line with analysts' expectations, and said it expects credit growth to continue for the rest of the year. The fintech known as Nubank said its 90-day delinquency ratio increased 10 basis points in the second quarter from the first three months of the year, to 6.6%, according to a statement Thursday. The 15- to 90-day delinquency ratio declined 30 basis points to 4.4%.
Yahoo
18-07-2025
- Business
- Yahoo
Danske Bank Q2 net profit broadly meets forecast amid market volatility
COPENHAGEN (Reuters) -Denmark's biggest lender Danske Bank reported second-quarter net profit broadly in line with expectations on Friday, driven by good customer activity and strong credit quality. Danske said its net profit fell to 5.45 billion Danish crowns ($848.26 million) in the second quarter from 5.84 billion a year earlier, broadly in line with the 5.50 billion expected by 11 analysts on average in a LSEG poll of analysts. "Despite the challenges posed by geopolitical turbulence and market volatility, the macroeconomic environment in our operating markets remains robust. The Nordic economies continue to exhibit resilience," the bank said in a statement. Nordic banks have seen central bank rate cuts across the region weigh on interest over the past year while uncertainty over U.S. tariffs and any European retaliation has clouded the outlook for lenders and the economies they serve. The bank still expects net profit for the year of between 21 billion and 23 billion crowns, it said. Net interest income, a metric for measuring banks' income from lending and deposits, came in at 9.06 billion crowns, topping a mean forecast of 8.98 billion.
Bloomberg
15-07-2025
- Business
- Bloomberg
JPMorgan Beats 2Q Trading, Investment Banking Estimates
00:00 So many beats. Jon, you're looking at JPMorgan coming in strong. Interesting to see a healthy rise in the stock pre market off the heels of these earnings given the stock price appreciation so far. You have a lot of promise here and credit quality. This is something when we kick off bank earnings season, a lot of investors will be focusing on how much are they really factoring in about the weakness of the consumer. And right now in the numbers alone, you don't really see it. You also see a lot of promise when it comes to those trading figures, a strong beat on the fixed income trading and also a beat here when it comes to efficiency. Efficiency is something we'll be watching across all the banks because you are seeing compensation costs rising as activity rises back again in investment banking and trading and also as net interest margins were expected to come under pressure. But right now we're seeing a lot of health at the start of bank earnings season. The man at the top of the bank says significant risks persist, including from tariffs and from trade channel. We've got to get a look at the outlook as well. What are expectations for the outlook on net interest income for the year ahead? They're looking pretty good so far. Remember, when we are looking at the problem here is the fact that interest rates might decline at some point this year. Of course, there is a lot of uncertainty around that, but there are a lot of questions here in terms of how much JPMorgan will actually be able to squeeze out of that consumer in the credit card books. Remember, when you look at Federal Reserve data, they have actually declined when it comes to balances across the street. So we are looking at strong numbers here across the board, but manage net interest income for the quarter. I don't know if you notice this, John, that's actually below expectations right now. So we'll see ultimately how it pans out through the end of the year.
Yahoo
07-07-2025
- Business
- Yahoo
River City Bank Expands the Board of Directors With Addition of David Lichtman
Former First Republic Bank executive David Lichtman has been appointed to the Board of Directors for River City Bank SACRAMENTO, CA / / July 7, 2025 / River City Bank announced today that David Lichtman, former First Republic Bank executive, will be immediately joining the Board of Directors. Mr. Lichtman held various positions during his 37-year tenure at First Republic Bank. As a longtime leader in his role as Senior Executive Vice President and Chief Credit Officer, his responsibilities included credit administration and overseeing a loan portfolio exceeding $170 billion. "First Republic Bank had exceptional credit quality over a long period under David's leadership. With his extensive experience in banking and specific expertise in commercial lending in the San Francisco Bay Area, Mr. Lichtman will be an excellent addition to the RCB board," said Steve Fleming, President and CEO of River City Bank. "I am confident that he will be a valuable contributor in helping the Bank achieve its growth goals." "We are excited to welcome David to the board," said Shawn Kelly Devlin, chairman of the board at River City Bank. "The Bank will benefit from his expertise in the Northern California commercial lending market." Mr. Lichtman holds a bachelor's degree from Vassar College and an MBA from the UC Berkeley Haas School of Business. He is also a lecturer in real estate finance and development at the University of California, Berkeley. With a deep commitment to education and the youth in our community, he has served on the Board of Directors at Leadership High School, as a mentor with the Big Brothers Big Sisters of the Bay Area, and as a life-skills mentor to at-risk students at Megan Furth Academy. David currently serves on the Board of Directors at the Fort Mason Center for Arts & Culture. About River City BankAs a leading boutique commercial bank with assets over $5 billion, River City Bank is the largest, independent, locally owned and managed bank in the Sacramento region, with an office in San Francisco and a presence in Southern California. River City Bank offers a comprehensive suite of banking services with a tailored, concierge-like level of service, to redefine the banking experience. Please visit or call (916) 567-2600. Member FDIC. Equal Housing Lender. Contact Information Pamela Hansen VP/Director of Marketing and SOURCE: River City Bank View the original press release on ACCESS Newswire Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
