KBRA Releases Fourth-Quarter 2024 U.S. Bank Compendium

KBRA releases its fourth-quarter 2024 U.S. Bank Compendium, providing the latest view of the U.S. banking industry and analysis of 4Q24 results for U.S. banks with KBRA ratings.

In this edition, we analyze recent trends in earnings performance during the quarter, specifically how expanding net interest margins (NIM)—inspired by Federal Reserve rate cuts in 2H24 that resulted in a meaningful decline in funding costs—supported the strongest quarterly return on assets (ROA) for our rated institutions since 3Q23. We also examine credit quality, with a more targeted look at classified and criticized migration trends as well as how commercial real estate (CRE) delinquencies for our rated universe compare to those of larger institutions.

The Compendium includes 4Q24 summaries on all publicly traded U.S. banks in KBRA’s rated universe, focusing on key performance and credit metrics, along with medians of key ratios. The Compendium also includes the top 10 lowest cost deposit franchises, highest reserves to loans, and largest sequential changes in return on assets, net interest margin, net charge-offs, and nonperforming asset ratios. Further, we provide a detailed supplement of KBRA-rated debt issues—along with rating, amount issued, coupon, and maturity.

Click here to view the report.

Related Publications

• Fourth-Quarter 2024 U.S. Bank Compendium Bank Debt Worksheet
• Fourth-Quarter 2024 U.S. Bank Compendium Ratio Spreadsheet

About KBRA

KBRA, one of the major credit rating agencies, is registered in the U.S., EU, and the UK. KBRA is recognized as a Qualified Rating Agency in Taiwan, and is also a Designated Rating Organization for structured finance ratings in Canada. As a full-service credit rating agency, investors can use KBRA ratings for regulatory capital purposes in multiple jurisdictions.

Doc ID: 1007984

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