The State of Banking Build your community. Limit your risk. Alabama 113 banking institutions Total assets: $262 billion The Birmingham-Hoover, Ala., area has the largest deposit market with $41.4 billion in deposits Median ROA: 1.12% Commercial real estate has the highest loan concentration at 172% Source: FDIC Q3-19 statistics When you fund a construction project, you're building your community. But every project comes with risks that put your reputation and money on the line. That's what makes surety bonds so important. They protect project owners and lenders by ensuring contract obligations are completed. Insist on surety for every construction loan, so all your projects will Be Guaranteed to Succeed. Quick stat 29% of Gen Z say social media has influenced a financial decision Source: 2019 Raddon survey Learn about the value of surety at nasbp.org/guaranteedhttp://www.nasbp.org/guaranteed