Bank Stocks, Charts & Data: 2Q23

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The Banking Sector In Charts

Now that banks have reported 2Q23 earnings and filed their 10Qs, we present fundamental data across the sector, in chart form.

Held To Maturity ("HTM") Securities

Starting with HTM portfolios, we note that since 6/30/23 (for most banks, this is their period end date), 10Y Treasury yields have risen by 33bp, further reducing the value of HTM portfolios. However, the table below is where we stood as of 2Q23.

Deposit Data

We show average deposit rates at quarter end and the Q/Q change.

Net Interest Margin ("NIM")

On a Q/Q basis, higher deposit rates do appear to be impacting NIM (among other factors). We show a change in NIM on a Q/Q and Y/Y basis.

Loan Exposure By Category

We also look at a breakdown of loan portfolio concentrations, specifically within office, multifamily and commercial real estate ("CRE").

Loss Provisions & Allowances

We show a sum of all loss provisions taken by quarter, the total allowance taken by bank, and the Y/Y change in the total allowance for loan losses.

Loan Growth

And finally, a look at loan growth broken down by broad categories:

  • regional banks + specialty lenders
  • money center banks


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