Independent Banker - March 2021 - 11

THE STATE OF BANKING
BANKER'S HOURS
BY CHRISTOPHER WEYANT
Oklahoma
190
banking institutions
Total assets:
$156.3 billion
The Oklahoma City area
has the largest deposit
market with
$42.5 billion
in deposits
Median ROA:
1.2%
Commercial real estate has the
highest loan concentration at
189%
Source: FDIC Q3-20 statistics
" The marketing team unpacked all of the data from our
deep dive. It turns out our target market is someone named
Bob Finkelstat in Oswego, Wisconsin. "
NEWS
Community bank overdraft
prices beat out credit unions
QUICK STAT
52.5%
is the projected 2021 U.S. hotel
occupancy rate, up 8.5% from
2020's rate of 44%
Source: 2021 American Hotel & Lodging Association report
Community banks with less than $100 million in assets offer
better overdraft pricing compared with " rival credit unions, "
according to a review from Moebs Services, an economic
research firm in Lake Forest, Ill.
Community banks in this category had an average overdraft
price of $26.26, which was $2.14 lower than that of similarly sized
credit unions, at $28.40 per overdraft. Both prices were far less
than large banks' average of $33.19, the highest the firm has seen
since it started reporting these figures in 1986.
" The community banks are offering ... an 8.1% better deal than
the credit unions at these average prices, " said Michael Moebs,
the firm's CEO, in CU Today. " So, if the consumer is shopping for
transaction accounts, they need to look for community banks or
large credit unions with low fees. "
Visit icba.org/wakeup for the latest updates from ICBA's Wake
Up campaign on credit union malfeasance.
independentbanker.org Q 11

http://www.icba.org/wakeup http://www.independentbanker.org

Independent Banker - March 2021

Table of Contents for the Digital Edition of Independent Banker - March 2021

Table of Contents
Independent Banker - March 2021 - Cover1
Independent Banker - March 2021 - Cover2
Independent Banker - March 2021 - Table of Contents
Independent Banker - March 2021 - 2
Independent Banker - March 2021 - 3
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Independent Banker - March 2021 - Cover3
Independent Banker - March 2021 - Cover4
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https://www.nxtbook.com/mspc/independentbanker/december2020
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https://www.nxtbook.com/mspc/independentbanker/december2019
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https://www.nxtbook.com/mspc/independentbanker/december2018
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https://www.nxtbook.com/mspc/independentbanker/october2018
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https://www.nxtbook.com/mspc/independentbanker/august2018
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https://www.nxtbook.com/mspc/independentbanker/january2018
https://www.nxtbook.com/mspc/independentbanker/december2017
https://www.nxtbook.com/mspc/independentbanker/november2017
https://www.nxtbook.com/mspc/independentbanker/october2017
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https://www.nxtbook.com/mspc/independentbanker/august2017
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https://www.nxtbook.com/mspc/independentbanker/june2017
https://www.nxtbook.com/mspc/independentbanker/may2017
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