Market Intelligence

A Troubling Trend The skies have cleared for the banking industry…or have they? The industry reported a 1.38% return on assets in the first quarter of this year, according to the Federal Deposit Insurance Corp., comfortably exceeding the of 1.2% benchmark that most banks strive to achieve and marking the best showing since the second quarter of 2019. But top-line numbers like this disguise a worrisome trend: record low net interest margins. The net interest margin in the first quarter of this year dropped to 2.56%, down 57 basis points compared to the same quarter the prior year. That’s the…

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John Maxfield


John Maxfield is a freelance writer for Bank Director magazine. He was previously the senior banking specialist at The Motley Fool. He regularly writes for Bank Director magazine and BankDirector.com. His work has been syndicated widely to national publications including USA Today, Time and Business Insider, and he’s been a regular guest on CNBC. John has a bachelor’s degree in economics from Lewis & Clark College and a juris doctorate from Southern Methodist University. He’s a licensed attorney in the State of Oregon.

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