Brief Note: The Question of Winners vs Losers amongst FDIC talk.

Five Points has migrated from a monthly, to a twice monthly, to apparently now CNN Headline news as I am sending out key datapoints in a rapidly changing market. I look forward to less frequent writings in the future.

Banks Falling Behind the Pack

This a brief note with a screen to help explain why some banks are falling further behind others. Specifically, we want to look at some banks earning less than 4% on their assets in a world where 5% is the rate for generating deposits quickly.