Guest Commentary By Sean C. Payant, Haberfeld


Stacking the Deck: Secrets of High-Performing Banks


 sustainable growth.


Te focus across industry press and conference best practices is generally aimed at strategies to cut expenses — using technology, looking at staffing levels, increasing productivity, etc. Although this advice is sound, is that actually what high-performing banks do? To answer this question, we looked at 81 institutions that have been in the top five for return on equity for five consecutive years and compared them to peers. For these institutions, they averaged an efficiency ratio of 52.04%.


As the data illustrates, high-performing institutions don’t attempt to save their way to prosperity. Tey underperform in noninterest expense to assets by 24% to overperform in noninterest income to assets by 325%. So, how does your bank stack the deck in its favor?


24 mobankers.com


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