Economic Indicators

Mortgage Rates

Community bankers monitor mortgage rates as they significantly impact local housing markets. The accessibility provided by lower 30-year mortgage payments enhances homeownership. These rates directly influence a community banker's loan portfolio and guide the development of financial products.

Banking Rates

The Fed Funds Rate and Prime Rates are pivotal for bankers, directly impacting borrowing and lending costs. Bankers track these rates to adjust loan rates, manage interest rate risk, and optimize financial portfolios, as they serve as benchmarks influencing overall market conditions.

Delinquency Rates

Delinquency rates are vital for community bankers, serving as indicators of local financial health. Monitoring these rates enables proactive risk management, allowing bankers to adapt lending practices and implement targeted assistance programs. This approach strengthens the community banker's role in fostering economic well-being within the local community.


Other Relevant Terms

Want to Master Banking's Favorite Ratio?

The Debt Service Coverage Ratio (DSCR) is one of banking's favorite ratios. Want to ace it without breaking a sweat? No problem! We've got some simple, no-fuss pointers that will help you nail this ratio every time. You've got this!

Get the Cheatsheet Now

Not Finding What You Are Looking For?

Let me know what terms, ratios or content you want to see covered.

Request Term or Ratio

Am I missing a key term or ratio? Let me know what you want to see covered.

Request Term/Ratio

Request Content

Do you have a topic idea you'd like to see covered?  Send it my way.

Request Content

Checkout Courses

Enhance your skills through a deeper understanding of your customers' businesses.

See Courses

A bit about me

Greetings! I'm Clay Sharkey, and there is nothing I like more than assisting others in achieving their goals. I firmly believe that by enhancing a banker's understanding of their customer's' business, they can provide superior service. This superior service, in turn, leads to stronger relationships for the bank, improved performance for the businesses, and better experiences for our communities.  Win-win-win.