29 Dec 2025
Banks
Credit Unions
BHCs
KFI: Bank and Credit Union Data Platform for Peer Benchmarking & Counterparty Risk
An overview of KBRA Financial Intelligence (KFI): A bank and credit union risk platform for peer benchmarking.
KBRA Financial Intelligence
KFI Insights & Research
18 Dec 2025
Banks
Monetary Policy
Fed’s 2026 Forecasts Face Uncertain Leadership Transition
The Federal Reserve eased more aggressively in 2025 than it had previously projected. Traders expect a similar dynamic in 2026, as significant turnover in Fed leadership introduces added uncertainty to the policy outlook.
11 Dec 2025
Banks
KFI Scores
Deposits
KFI’s Quarterly Banking Overview: 3Q 2025
KBRA Financial Intelligence (KFI) provides a concise overview of recent changes to critical asset, income, and funding metrics within the U.S. banking sector, as well as our proprietary KFI Scores, throughout 3Q 2025.
03 Dec 2025
Credit Cards
Banks
Credit Card Growth Slows as Bank Focus Shifts to Quality
New credit card data indicates that growth in balances, outstanding accounts, and utilization rates has broadly softened throughout 2025. Delinquency has also fallen amid a strengthening of borrower quality and payment history.
01 Dec 2025
Banks
Employment
American Banker: Bank jobs hit lowest level since prior to pandemic: Report
KBRA Financial Intelligence data featured in American Banker shows the number of commercial bank jobs have reached their lowest level since prior to pandemic
25 Nov 2025
Banks
Employment
U.S. Employment Data Reveals Cuts to Banking and Finance Jobs
New U.S. payrolls data shows 2025 job gains in finance and insurance were wiped out in 3Q. That aligns with the latest employment figures reported by U.S. commercial banks, showing nearly 7,500 jobs lost throughout the past year.
19 Nov 2025
Banks
Mortgages
Mortgage Rates in Focus Amid Rebound in Home Purchases
Homebuyers took advantage of falling financing costs and moderating price increases in recent months, but an uptick in mortgage delinquency raises questions about whether borrowers will remain as reliable as they have been in previous years.
14 Nov 2025
Banks
Agricultural
Public Policy
Agricultural Lending Rebounds as Government Shutdown Delays Farm Aid
Delayed aid payments and a temporary cessation of USDA loan activity due to the federal shutdown could have a lingering impact on banks’ agriculture lending data in 4Q 2025.
30 Oct 2025
Banks
Deposits
Monetary Policy
Record Bank Deposits Reflect Fed’s Role in Reshaping U.S. Money Supply
With a new round of Fed rate cuts underway, more liquid components of the U.S. money supply may experience faster expansion. For banks, that means ongoing deposit growth could shift toward non-interest-bearing liabilities, helping to reduce funding costs.
23 Oct 2025
Banks
BHCs
Employment
Stocks
Banks May Cut More Jobs in AI-Driven Workforce Realignment
The largest U.S. banks posted solid 3Q results, yet market volatility persists. Artificial intelligence-driven efficiency efforts impacting banks’ workforce realignment highlight how technology and business mix shifts may reshape the sector.
16 Oct 2025
Digital Assets
Banks
Regulation
Stablecoin Banking Integration To Shake up Billions in Fee Income
Bank adoption of stablecoins could disrupt fee income from cards, wires, and account servicing while creating new opportunities in the custody business.
09 Oct 2025
Banks
Autos
Bank Auto Lending Rebound Faces Hurdles on Price Hikes
U.S. auto loan growth has rebounded amid falling rates and a reduction in delinquency, but tariffs and reduced manufacturing levels may partly offset the benefit of easing financing costs.
29 Sept 2025
Banks
Agricultural
Public Policy
Farm Lending Growth Slows Amid Federal Subsidy Surge
Direct farm payments from the federal government have quadrupled in 2025, which may be playing a role in agricultural lending growth sliding to a four-year low.
16 Sept 2025
Banks
Monetary Policy
Fed Set to Shape Bank Profits With Rate and Economic Outlook
Renewed easing at the Federal Reserve could help to bolster a widening of banks’ lending profitability. Long-term yields have fallen recently, short-term yields have fallen more quickly, steepening the yield curve as loan growth touches a 3 year high.
11 Sept 2025
Banks
KFI Scores
Deposits
KFI’s Quarterly Banking Overview: 2Q 2025
KBRA Financial Intelligence provides a concise overview of changes to critical asset, income, and funding metrics throughout the U.S. banking sector, as well as our proprietary KFI Scores.
04 Sept 2025
Banks
Mortgages
Mortgage Rates Reach 2025 Low as Residential Lending Lags
The YoY increase in residential mortgage lending among U.S. banks has trailed total loan growth, but falling mortgage rates may boost housing market activity. The rate of delinquency among banks’ mortgage loans recently saw a material decline.
03 Sept 2025
Banks
BHCs
Monetary Policy
Regulation
Trump Admin May Transform Banking Outlook With Fed Board and CFPB in Limbo
Two of the seven seats on the Federal Reserve’s Board of Governors hang in a state of uncertainty ahead of this month’s critical FOMC meeting. The unprecedented court battle between the president and one Fed governor compounds an ongoing CFPB case.
22 Aug 2025
Podcasts
3 Things in Credit: Spreads vs. Yields, Financial Conditions, and Walmart/Target Read-Across
Howard Marks is out with his latest memo, and it hits at the point we make below, that the current returns on credit compare favorably to what figures to lie ahead in stocks.
21 Aug 2025
Banks
Credit Unions
Employment
Bank Hiring Reverses Course Despite Loan Growth Rebound
Banks have not been immune to a slowdown in the U.S. labor market, despite another quarter of record staffing among their credit union counterparts. However, banks did manage to outpace credit unions in loan growth for the first time in five years.
15 Aug 2025
Podcasts
3 Things in Credit: Earnings Momentum, 2026 Forecasts, and August Jobs
We found Bloomberg’s interview this week with Treasury Secretary Bessent to be interesting. Here are two bits that capture the challenge this administration faces.
14 Aug 2025
Webinar
Banks
Demographics
Community Banks
WEBINAR: What Disaster and Demographic Data Reveal About Concentration Risk in Banking
KFI joins Bank Director for an August 19 webinar that utilizes a unique combination of datasets to explore and quantify the impact of hurricanes, wildfires, population decline, and other disruptive factors on highly proximate banks.
11 Aug 2025
Banks
Digital Assets
How Crypto Custody Services May Boost Bank Income
Increasing digital asset valuations and a clearing regulatory outlook may allow established depositories and upstart digital banks to play larger roles in the custody of digital assets held by funds, stablecoins, staking, and other crypto asset services.
08 Aug 2025
Podcasts
3 Things in Credit: Inflection Point, Ares’ Perspective, and Maersk’s Beat
We tripped across “eight reasons to be hopeful” this week in the Guardian newspaper, compiled by one John Boswell. Usually, these kinds of articles are written when the opposite tends to be true. I’ll let you work through that equation.
01 Aug 2025
3 Things in Credit: Slowdown, Leveraged Loan Surge, and Default Forecasts
Stocks in the S&P 500 are now valued by investors at more than 3.3x their sales, an all-time high. We’ve talked recently about growth catalysts that underpin risk markets, and we’ve certainly included artificial intelligence in that group.
31 Jul 2025
Banks
C&D
Homebuilders May Be Hitting the Brakes on Construction Pace
Homebuilders may be pulling back on their pace of construction, as the ratio of new home supply relative to units sold has fallen to an almost three-year low. This shift likely carries implications for bank lending secured by residential construction.
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