KBRA Financial Intelligence
News & Research
KFI: Bank and Credit Union Risk Platform for Peer Benchmarking
APR 19, 2024, 5:10 PM UTC
By KFI Staff
An overview of KBRA Financial Intelligence (KFI): A bank and credit union risk platform for peer benchmarking.
3 Things in Credit: Big bank color, Net worth surge, and Treasury volatility
APR 19, 2024, 5:00 PM UTC
By Van Hesser
Jay Powell tells us the economy's strong, so why is that bad news? It's not been for the big banks, where actual loan losses--and the outlook--remain relatively benign.
Banks with High Concentrations of Uninsured Deposits and Commercial Real Estate
APR 18, 2024, 6:00 PM UTC
By KFI Staff
Banks reporting above-average exposure to fast-moving deposits and CRE
Credit Card Delinquencies at 12-Year High in Q4
APR 18, 2024, 5:00 PM UTC
By KFI Staff
The largest credit card lenders and their delinquency rates.
3 Things in Credit: Hot CPI, Earnings season, and Event risk
APR 12, 2024, 4:00 PM UTC
By Van Hesser
What to make of that CPI print? Beware of the kneejerk reaction. Here's what we think it means for credit.
Credit Union Subordinated Debt Approaches $4 Billion
APR 11, 2024, 5:00 PM UTC
By KFI Staff
Credit union debt reached a new record after changes to regulatory rules made it easier for the lenders to tap the market.
3 Things in Credit: Small business signals, Single-B spreads, and Apparel company guidance
APR 5, 2024, 5:00 PM UTC
By Van Hesser
On yet another hot jobs report day, we highlight color from small businesses and apparel companies that provides a counterpoint to that "no landing" scenario.
Earnings Across the Big Four U.S. Banks
APR 1, 2024, 1:00 PM UTC
By KFI Staff
Sankey charts of the big four banks' income statements.
CRE Delinquency Rate Climbs to 10-Year High at Biggest Banks
MAR 25, 2024, 12:30 PM UTC
By KFI Staff
The March 2024 edition of KFI Insights covers increasing CRE stress, introduces MVS Scores and highlights recent M&A deals
3 Things in Credit: Economic slack, Equity euphoria, and Consumer lenders
MAR 22, 2024, 5:00 PM UTC
By Van Hesser
So the Fed's latest forecast has gone full-on no landing. This week, we pick up on signals in the economic data, as well as the equity market that suggest something a bit softer. Let us know what you think.
Largest U.S. Banks by Total Assets, Q4 2023
MAR 21, 2024, 3:00 PM UTC
By KFI Staff
The biggest U.S. banks ranked by total assets, according to GAAP data.
3 Things in Credit: U.S. Exceptionalism, C-Suite confidence, and Banks, a year later
MAR 15, 2024, 4:00 PM UTC
By Van Hesser
What's behind U.S. exceptionalism? We have a look amidst this "everything boom."
Benchmark Credit Unions with KFI
MAR 14, 2024, 4:30 PM UTC
By KFI Staff
Analyze all U.S. credit unions, leveraging Call Report data and KFI Scores.
New York Community Bank Tear Sheet for Flagstar, Q4 2023
MAR 13, 2024, 4:01 PM UTC
By KFI Staff
KFI's quarterly snapshot report provides a high-level view of the financial condition of NYCB's main subsidiary, Flagstar.
3 Things in Credit: Powell’s dilemma, FICO rolls over, and Direct lending update.
MAR 8, 2024, 4:00 PM UTC
By Van Hesser
Yet another risk-on week! Jay Powell's job is not getting any easier. This week, we delve into his decision to cut or not to cut. And our default specialist Eric Rosenthal updates his views on both default and recovery rates. Happy listening!
3 Things in Credit: Commodities downdraft, Financial conditions, and Choiceful consumers
MAR 1, 2024, 4:00 PM UTC
By Van Hesser
Lots of euphoria talk out there in equities, that hasn't exactly passed through into credit markets. Why is that? Check out the latest 3 Things for some answers.
Bank KFI Scores Stabilize After Declines; Brokered Deposits Hit Record
FEB 27, 2024, 3:00 PM UTC
By KFI Staff
The February edition of KFI Insights dives into the latest KFI Scores, growth of brokered deposits and snapshot reports
3 Things in Credit: Copy of Bank CRE risk, Slowdown earnings, Private credit borrowers
FEB 23, 2024, 3:30 PM UTC
By Van Hesser
I know, I know, it's NVIDIA's week (and that certainly did not hurt credit markets). Only slightly less topical is bank commercial real estate risk, a slowing economy, and private credit borrowers.
Track Bank Loan Delinquencies With KFI’s Instant Analysis
FEB 16, 2024, 6:00 PM UTC
By KFI Staff
Determine which lenders are reporting an increase in nonperforming loans.
3 Things in Credit: Strong technicals, Market volatility, and Hot vs. Cold data
FEB 16, 2024, 3:30 PM UTC
By Van Hesser
Van digs into tighter spreads, a volatile equity market and the still expected soft landing.
3 Things in Credit: Credit card delinquencies, the SLOOS, and Barkin wisdom
FEB 9, 2024, 4:00 PM UTC
By Van Hesser
This was the week when the S&P crossed 5,000. Yet, credit card delinquencies are on the rise, bankers are still tightening, and the Fed reminds us that we are still not out of the woods.
4Q23 Bank Snapshot for Large, Regional and Community Banks
FEB 6, 2024, 11:00 AM UTC
By KFI Staff
KFI's bank snapshot analyzes the biggest lenders across five financial metrics
3 Things in Credit: New York Community Bank, Nonbanks and IMF’s Forecast
FEB 2, 2024, 4:00 PM UTC
By Van Hesser
Another eventful week in markets, who would have thought New York Community Bank would be so impactful?
Van’s View on Bank Earnings, Liquidity Rule Proposal, and Recent M&A
JAN 26, 2024, 6:00 PM UTC
By KFI Staff
KFI's January edition covers first quarter earnings, potential rules to prevent another bank run and recent M&A.
3 Things in Credit: Strong GDP, Narrowness, and Earnings Warnings
JAN 26, 2024, 4:00 PM UTC
By Van Hesser
Don’t fight the tape. Words of wisdom, for sure, and we seem to be caught up in one of those moments where that advice is well taken. Don’t fight the tape.
96% of Bank Failures From 2010 Through 2023 Had KFI Scores of D or Lower
JAN 22, 2024, 1:00 PM UTC
By KFI Staff
KFI Score Bank Failure History
3 Things in Credit: Soft Landing, Big Bank Color, and Private Credit Maturity Wall
JAN 19, 2024, 4:00 PM UTC
By Van Hesser
We start with economic growth. By definition, that means we are in the 50% of market strategists that see no recession.
3 Things in Credit: Problem Loans, Geopolitics, and Default Forecast
JAN 12, 2024, 4:00 PM UTC
By Van Hesser
By the time you hear this, you will have seen and heard about Q4 earnings from J.P. Morgan Chase and hashtag#Bank of America. Both, obviously, great proxies for the broad economy—how consumers are doing, how businesses are doing, how they’ve done.
Track Bank Peers’ Cost of Funding
JAN 11, 2024, 3:30 PM UTC
By KFI Staff
See which lenders are reporting bigger jumps in their costs of funds relative to peers
3 Things in Credit: Banks, Sentiment Split, and Financial Conditions
JAN 5, 2024, 4:00 PM UTC
By Van Hesser
We discuss how the banks are alright, dig into recession calls and examine how loose financial conditions are.
2023 by the Numbers
DEC 21, 2023, 6:00 PM UTC
By KFI Staff
December's KFI Insights highlights some key numbers throughout the year, our KFI product upgrades, recent M&A deals, and Van Hesser’s latest 3 Things in Credit.
Q3 NIM Movers Among Largest Lenders to Community Banks
DEC 7, 2023, 2:00 PM UTC
By KFI Staff
View the top 15 banks by Q3 net interest margin (NIM) expansion and compression across bank asset size.
KFI Score Scale
DEC 1, 2023, 4:00 AM UTC
By KFI Staff
A list of KFI Score definitions.
CRE Stress Climbs at Largest Banks
NOV 30, 2023, 6:00 PM UTC
By KFI Staff
The November edition covers climbing CRE Stress, KFI Score moves, and recent M&A.
Q3 2023 Bank KFI Scores Tick Lower
NOV 21, 2023, 7:00 PM UTC
By KFI Staff
Trends in Q3 2023 bank KFI Scores
Q3 2023 Bank Snapshot for the Large, Regional and Community Lenders
NOV 7, 2023, 5:00 PM UTC
By KFI Staff
The analysis compares banks across five financial metrics
Iowa Bank Shuttered, Becoming Fifth Failure This Year
NOV 6, 2023, 7:00 PM UTC
By KFI Staff
A small community lender in Iowa was shuttered by regulators on November 3, marking the fifth bank failure this year.
Small Credit Unions Decline, Higher for Longer, M&A Deals
OCT 27, 2023, 5:00 PM UTC
By KFI Staff
The October edition of KFI Insights covers the decline in membership at small credit unions, the effect of higher interest rates and recent M&A.
$1 Trillion Credit Card Debt in Focus
OCT 13, 2023, 12:01 PM UTC
By KFI Staff
The U.S. consumer is showing signs of stress with credit card balances reaching a record $1.03 trillion in Q2 2023.
U.S. Bank Deposits Drop by $870 Billion
OCT 6, 2023, 3:00 PM UTC
By KFI Staff
Bank deposits fell about $870 billion on a year-over-year basis for the first time in records going back to 1994
Q2 2023 Brokered Deposits Jump
SEP 18, 2023, 6:00 PM UTC
By KFI Staff
The September 2023 KFI Insights delves into the growth of brokered deposits, recent M&A and the bank snapshot report.
Q2 2023 Bank KFI Scores Trend Lower
SEP 11, 2023, 1:03 PM UTC
By KFI Staff
KFI Bank Scores were down in Q2 2023 on declining asset quality and increased funding costs
KFI's Q2 2023 Bank Snapshot
SEP 6, 2023, 1:00 PM UTC
By KFI Staff
KBRA Financial Intelligence (KFI) releases a peer snapshot for the top 30 banks by asset category for Q2 2023.
U.S. Banks Exceeding CRE Regulatory Guidelines Wane in Second Quarter
AUG 14, 2023, 4:00 PM UTC
By KFI Staff
The August 2023 KFI Insights examines CRE exposure, recent M&A and Van's 3 Things in Credit.
Kansas Bank Collapse Becomes Fourth Bank Failure This Year
AUG 1, 2023, 3:32 PM UTC
By KFI Staff
A small community bank in Kansas failed on July 28, becoming the fourth lender this year to be taken over by regulators.
Slow First Half for Bank M&A Following Lender Failures
JUL 17, 2023, 3:00 PM UTC
By KFI Staff
The July 2023 KFI Insights discusses the slow start to M&A, potential new capital rules, and KFI upgrades.
Midwestern Bank Scores Fall the Most on Declining Asset Quality
JUN 16, 2023, 2:00 PM UTC
By KFI Staff
The June 2023 KFI Insights delves into KFI Score trends, future Fed hikes and first quarter earnings review.
1Q23 KFI Scores Show Broad Decline in Bank Grades
JUN 9, 2023, 2:00 PM UTC
By KFI Staff
KFI Scores broadly fell in 1Q23 to the lowest aggregate level in two years, with 858 total downgrades outpacing 488 upgrades.
CRE Delinquency Rates Muted Among Community Banks; Highest for Largest Lenders
MAY 25, 2023, 2:30 PM UTC
By KFI Staff
The commercial real estate (CRE) crunch widely discussed to hit small and regional banks is so far having a bigger impact on the largest lenders, according to a KBRA Financial Intelligence (KFI) analysis of all U.S. banks.
Bank Fallout; Fed Raises Rates, Signals Pause
MAY 5, 2023, 6:00 PM UTC
By KFI Staff
The May 2023 KFI Insights covers the bank fallout, Fed hikes and potential FDIC insurance expansion.
JPMorgan’s Takeover of First Republic
MAY 2, 2023, 3:00 PM UTC
By KFI Staff
Analysis of JPMorgan's takeover of First Republic Bank, the second-largest bank failure in U.S. history.
CRE Bank Stress, Ethan’s Take on Bank Supervision and Crisis Timeline
APR 4, 2023, 3:00 PM UTC
By KFI Staff
The April 2023 KFI Insights covers the rise in CRE Bank Stress, the fallout from bank failures and how a bank run started the biggest financial crisis in 15 years.
First Republic’s Profitability Metrics Lagged Peers Before Market Selloff
MAR 24, 2023, 5:00 PM UTC
By KFI Staff
Before announcing a $30 billion capital infusion last week, First Republic Bank lagged peers in profitability metrics.
Signature, Silicon Valley & Silvergate Banks Held More Than 95% of Deposits in Their Home State
MAR 23, 2023, 5:00 PM UTC
By KFI Staff
The collapse of the three regional banks highlights the risks of lenders holding large concentrations of deposits.
Identify Bank Risk with Uninsured Deposits Using KFI
MAR 16, 2023, 4:00 PM UTC
By KFI Staff
A KFI analysis found that 47 lenders had 75% or more of uninsured deposits.
Banking M&A Remains Muted; Executives Optimistic In 2023
MAR 3, 2023, 3:00 PM UTC
By KFI Staff
The March 2023 KFI Insights digs into the slow start to M&A, recent research and Van's 3 Things in Credit.
Slow Start to the Year for Banking M&A
JAN 30, 2023, 3:00 PM UTC
By KFI Staff
Inaugural Issue of KFI Insights highlights challenges in bank M&A
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