03 Mar 2026
Banks
Credit Cards
Credit card balances grew more slowly in 2025, keeping overall utilization below 20%. A surplus if high quality borrowers supported a trend of declining delinquencies, though late-year acceleration in balance accumulation warrants monitoring.
25 Feb 2026
Banks
Credit Unions
BHCs
An overview of KBRA Financial Intelligence (KFI): A bank and credit union risk platform for peer benchmarking.
25 Feb 2026
Banks
Agriculture
CRE
Rising federal payments to farms obscure weakening underlying profitability. Liquidity is tightening and debt burdens are on the rise, though delinquency tied to agricultural loans issued by U.S. banks has remained subdued thus far.
19 Feb 2026
Banks
Mortgages
Existing home sales fell to a 17-month low as mortgage loan growth has lagged the broader expansion of bank credit. Rising loan age and slower originations may be contributing to a gradual uptick in residential mortgage delinquency.
13 Feb 2026
Banks
Deposits
M&A
KBRA Financial Intelligence (KFI) provides a concise overview of changes to critical asset and funding metrics within the U.S. banking sector throughout the final quarter of 2025.
06 Feb 2026
Banks
Community Banks
Public Policy
The federal budget for fiscal year 2026 preserves key supplemental funding appropriations for hundreds of banks. Many of these institutions are majority-owned by minority individuals, have majority-minority boards, or primarily serve minority communities.
02 Feb 2026
Banks
Community Banks
KFI Scores
Metropolitan Capital Bank & Trust is the first U.S. bank to fail in 2026
22 Jan 2026
Banks
BHCs
Stocks
Bank shares outperformed broader equity indices last year. Improving net interest income and credit quality, as well as thinner allowances for credit losses, could further lift profitability and support increasing valuations.
16 Jan 2026
Banks
Community Banks
Public Policy
Community development financial institutions (CDFI) have grown strongly in recent years, but budget negotiations in Washington will be consequential for the level of federal support that they receive throughout 2026.
08 Jan 2026
Banks
BHCs
Stocks
The largest U.S. banks will soon report 4FQ 2025 earnings, aiming to extend a streak of strong net income growth. Improving loan growth has supported bank income, coinciding with a decline in loans considered “criticized” under credit quality standards.
07 Jan 2026
Banks
Agriculture
Public Policy
KBRA Financial Intelligence data featured in Bank Director Magazine shows that significant inflationary pressures are pressuring American farmers, driving up costs and impacting agricultural lending.
18 Dec 2025
Banks
Monetary Policy
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
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
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
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
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
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
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
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
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
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
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
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
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
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.
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