CPG’s Claude Hanley and Matthew Prince monitor the quarterly financial performance trends of publicly traded banks and provide opinions on the implications for the industry and the strategies required to deliver top-tier performance going forward.

Takeaways from the 4Q25 Bank Report: 

  • Margins expanded for the fifth consecutive quarter, driven primarily by lower funding costs following three Federal Reserve rate cuts during the quarter.
  • Median loan and deposit growth were positive across all asset tiers, though deposit growth lagged loan growth. Yet some banks achieved double-digit organic deposit growth.
  • The ABA’s latest Credit Conditions Index improved modestly but continued to signal weakness over the next six months. Consumer loan delinquency rates jumped in December.