How Did 2009 Affect the Top 100 High Performing Banks?

Analyst: Bill Bradway

April 14, 2010

Each year since 2006, Bradway Research has completed an industry comparative analysis that ranks all FDIC insured banks and thrifts. The initial analysis (100 Most Profitable Banks of 2006) introduced our proprietary methodology and analytical algorithms to analyze and rank 7,430 consolidated institutions. Using traditional asset segmentation tiers and our universal profit score, calculated using the algorithms, all institutions were ranked from 1 to 7,430. A more detailed analysis examined the Top 100 institutions, examining their business strategies and identifying key performance metrics that contributed to their exceptionally high ranking. Each subsequent year (2007, 2008, 2009), the same analysis has been completed and all institutions have been re-ranked. Most Top 100 High Performing Banks (HPBs) from 2006 have not maintained that exclusive status.

This analysis provides concentrates on the strategies and key business metrics that distinguish a total of 28 institutions: (1) the 19 institutions that have sustained that Top 100 status for four consecutive years, forming our group of High Performing Banks; and (2) nine more institutions that are “honorable mention” by remaining a Top 100 institution for all but 2008 or 2009 and just missing the Top 100 for one year. The decline in 2009 compared to 2008 results caused another seven previous HPB institutions to fall far enough away from the Top 100 that their HPB status has been removed. Of the seven, two have fallen on very hard times and now fall in the 4th Quartile for performance, well below industry averages. Insights from this analysis can help bankers, their advisors, and key FinTech suppliers contribute to overall industry performance improvements.

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