2nd Quarter Bank
Trends Webinar
Wednesday, August 13, 2025
10:30 – 11:30 a.m. CT
Over the last five years, community bank balance sheets have experienced unprecedented changes and volatility since the pandemic as trillions of dollars of stimulus flooded the system during a time of historically low interest rates. In 2022, the Fed started aggressively raising interest rates and that has had a major impact on margins, liquidity, and overall bank performance. Last September, the Fed started cutting rates, bringing in the next cycle of interest rates. This webinar will examine the most recent community banking trends using the latest call report data so you can see how your recent balance sheet changes compares to others.
Topics
The following data and trends will be discussed:
- Balance Sheet Changes Including Loan Growth, Deposit Growth, and Liquidity Levels
- Bank Performance Ratios Including Net Interest Margins, Earning Asset Yield, Cost of Funds, and Return on Assets
- Liquidity Ratios Including Loan-to-Deposit Ratios and Liquid Asset Ratios
- Asset Quality Ratios
After completing this webinar, you will be able to:
- Identify Key Balance Sheet Trends that Relate to Interest Rate Risk
- Answer Questions About Regulatory Requirements for Interest Rate Risk Reporting
- Discuss the Investment Strategy Given the Current Economic and Interest Rate Environment
- Explain the Relationship Between Price Risk and Cash Flow Volatility in Bond Portfolios
- Measure and Assess Relative Value Between and Among Bonds
Participants
Who should participate: Financial institutions’ CEOs, CFOs, investment officers, board members, and those who are directly or indirectly responsible for financial management functions will benefit from this webinar. There is no cost for this webinar.
Course Format
Group live program.
Prerequisites
Basic knowledge of finance and banking is recommended.
Knowledge Level
The level of learning for this seminar is intermediate.
Advanced Preparation
None.
CPE Credits
1 hour of Finance CPE Credits will be earned for your participation in this group internet-based webinar.
The Baker Group is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.NASBARegistry.org.
Refunds/Suggestions/Complaints
Because this webinar is presented without charge to participants, there are no refund or cancellation policies. We do, however, welcome any constructive suggestions you might have concerning the webinar. Your comments should be directed to Skoshi Heron at 405.415.7222.