Morgan-Keller’s Post

A recent analysis by FAU's Rebel Cole highlights the heightened risk of failure for 67 banks with commercial real estate (CRE) exposures exceeding 300% of their total equity. Flagstar Bank and Zion Bancorporation stand out with CRE exposures of 553% and 440% of their equity, respectively. In the current high interest-rate environment, this overexposure could force banks to write down assets, echoing the instability seen in spring 2023. As commercial properties depreciate, these banks remain vulnerable. It's crucial for stakeholders to monitor these developments closely. 📉🏦 Website: mclennanindustrial.com  Bio: https://lnkd.in/gJihJmJ9  Google Business Page: https://lnkd.in/gHn-YT5m  YouTube: https://lnkd.in/gxz7UURi  Instagram: https://lnkd.in/g3gNBFkV  Facebook: https://lnkd.in/gNmDVBBE  X: https://lnkd.in/g4f-8_aJ  TikTok: https://lnkd.in/g8_RtaNV  LinkedIn: https://lnkd.in/gms5TXMP #PugetSound #TenantRepresentation #LandlordRepresentation #SIOR #CCIM #IAMC #NAIOP #CRE #CommercialRealEstate #IndustrialRealEstate #Industrial #Logistics #Manufacturing #Warehouse #Seattle #Tacoma #KidderMathews #Kidder #SupplyChain #CommercialLand #WarehouseSpace #Warehouse #KingCounty #PierceCounty #ThurstonCounty #Seattle #Tacoma #RealEstate #SupplyChainManagement

The changes coming to New York Community Bank (NYCB) and Flagstar Bank presents an amazing opportunity for our customers, shareholders and employees. We now have the capital to execute on a focus strategy balancing consumer and commercial products with real estate related products. More importantly is that we have a a new leader that has the credibility with the regulators and markets to drive this transformation forward. Business>Operations>Transformation. Game on!

Flagstar Bank and Zion Bancorporation are chief among the 67 banks in the US that are at increased risk of failure due to their commercial real estate exposures, according to a data analysis from a finance expert at Florida Atlantic University: #commercialrealestate #realestate #CRE #debt #equity

"Like NYCB, the fundamentals of WAL are strong, but the bank remains vulnerable to headline risk and other hazards that are more pressing for smaller banks and companies. The larger banks that are included in passive investment portfolios benefit from the long-bias of Exchange Traded Funds and other passive strategies. This is one reason why short-sellers will target a smaller issuer like NYCB or WAL, but not go after larger underperformers such as Citigroup (C) or Bank of America (BAC) as readily. WAL was under attack a year ago and today is stable, profitable and out of the woods -- for now."

Banks are a different beast. That's why analyzing them, deeply, with the idea that you'd like to invest in their stocks, requires a totally different kind of tool. And that's why we built The Bankcaster from scratch. It's built just for bank stocks. There is no tool like this out there that I know of - cheap or insanely expensive. And The Bankcaster is cheap (at least as of today)! Get deep-dive, forward-looking, fundamental analysis on 300 global banks with the click of a button. https://lnkd.in/dysx-Hrj #jpmorgan hashtag #goldmansachs hashtag #morganstanley hashtag #citigroup hashtag #bankofamerica #baml #wellsfargo #banks #banking #investing #valueinvesting #markets #earnings #stockmarket #thematicinvesting #equityresearch

Being a community bank means being there. "The style of being the local bank, being there to talk to people, to reach out to people, it means something to many customers." Discover how Columbia Bank’s President and CEO, Thomas J. Kemly, explained the importance of the community and branch connection. Read more about how Columbia approaches its growing branch network and how its newest Camden branch will expand its impact on the local community. https://bit.ly/3AdJNSO #CountOnColumbia

Bank branch closures have blighted so many communities but what is often overlooked is the physical decay left and unused buildings in the heart of towns and cities. An investor/partner is sought to bring this former Black Country semi-commercial property back to its former glory. Existing rental roll of £32,820pa from residential elements and opportunity to develop former banking space. Please DM me for details… #blackcountry #propertydevelopment #propertyinvestment #propertyconversions #propertyopportunities

Just why was #NewYorkCommunityBancorp allowed to do the deals that made it so big? Its "material weaknesses" in risk and controls revealed late on Thursday expose management failings and pose big questions about its supervisors, too. Investors and depositors will be nervy about more bad surprises to come even though the bank has said there should be no more nasties in its 2023 results when its delayed 10-K finally lands. The one saving grace for #NYCB is that nearly three-quarters of its deposits are insured or collateralized. read more at Bloomberg Opinion https://lnkd.in/edi_Ft4r

We were honored to be a part of this video project with CBA of Georgia, ICBA and Moultrie Bank & Trust. Watch the full video below to learn more about the importance of community banking: https://hubs.ly/Q02rZhFj0

Late yesterday, Globe St published the attached article - Flagstar Bank and Zion Bancorporation are chief among the 67 banks in the US that are at increased risk of failure due to their commercial real estate exposures, according to a data analysis from a finance expert at Florida Atlantic University. Actovia has the lender details in a clear Excel view as well as insight by market and asset class. Need more info? Happy to discuss. #CRElending #CRE