Growth
09/03/2026

Growth in Tough Conditions

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The top performing banks in Bank Director’s 2026 RankingBanking study maintained profitability and defended net interest margins by focusing on a few core fundamentals, says Kara Baldwin, a partner and financial services audit leader at Crowe. They maintained strong credit discipline, managed deposit costs and focused on holistic customer relationships. Learn more in this video.

Topics discussed include:

  • Managing Funding Costs
  • Investing in Technology
  • Growing in Slow Markets

Click here to read the complete RankingBanking study, sponsored by Crowe.

WRITTEN BY

Kara Baldwin

Partner

Kara Baldwin is a partner at Crowe LLP and currently leads the financial services audit practice. She has nearly 30 years of experience serving financial institutions. Ms. Baldwin works with publicly held banks, private banks and bank holding companies ranging in size from $50 million to over $50 billion in assets. She has assisted clients in executing numerous business combinations over the years, with a focus on the accounting, auditing and reporting of these transactions including SEC reporting requirements. Ms. Baldwin is active in the accounting advisory group at Kelley School of Business at Indiana University and is a frequent speaker with the Indiana Bankers Association.