U.S. Banks Regional Performance
To identify geographic areas where the health of the banking industry may be improving, Weiss reviewed key indicators of profitability and asset quality—holdings of nonperforming loans as a percentage of total loans and return on average assets (ROAA).
The Southwest region demonstrated the most significant signs of a turnaround while the Southeast fell short.
State-by-state detail is shown here.
| State |
Region |
ROAA %
Q3 2011 |
ROAA %
Q3 2010 |
NPL %
Q3 2011 |
NPL %
Q3 2010 |
| Alabama |
SE |
0.52 |
-0.03 |
5.80 |
5.14 |
| Alaska |
WE |
1.21 |
1.42 |
2.91 |
2.37 |
| Arizona |
WE |
1.14 |
-0.66 |
5.23 |
6.76 |
| Arkansas |
SE |
1.10 |
0.99 |
4.80 |
3.76 |
| California |
WE |
0.89 |
0.62 |
4.62 |
5.14 |
| Colorado |
SW |
0.66 |
-0.20 |
4.73 |
6.20 |
| Connecticut |
NE |
0.82 |
0.51 |
3.91 |
3.42 |
| DC |
MA |
0.62 |
0.34 |
3.34 |
5.85 |
| Delaware |
MA |
1.33 |
0.95 |
4.12 |
2.33 |
| Florida |
SE |
0.22 |
-0.68 |
6.18 |
8.03 |
| Georgia |
SE |
0.42 |
-0.53 |
5.99 |
6.70 |
| Hawaii |
WE |
1.25 |
0.45 |
2.43 |
2.83 |
| Idaho |
WE |
-1.05 |
-2.08 |
6.35 |
6.29 |
| illinois |
MW |
0.55 |
0.38 |
3.89 |
4.57 |
| Indiana |
MW |
0.85 |
0.63 |
3.77 |
3.59 |
| Iowa |
MW |
1.21 |
0.80 |
2.24 |
2.24 |
| Kansas |
MW |
0.86 |
0.62 |
3.57 |
4.14 |
| Kentucky |
MW |
0.72 |
0.83 |
3.21 |
3.00 |
| Louisiana |
SW |
0.83 |
0.50 |
3.75 |
5.36 |
| Maine |
NE |
0.44 |
0.40 |
2.37 |
2.06 |
| Maryland |
MA |
0.38 |
-0.29 |
5.84 |
6.10 |
| Massachusetts |
NE |
1.05 |
1.18 |
2.22 |
1.60 |
| Michigan |
MW |
0.52 |
-0.50 |
8.09 |
10.61 |
| Minnesota |
MW |
0.71 |
0.22 |
4.34 |
4.27 |
| Mississippi |
SE |
0.78 |
0.70 |
2.83 |
3.22 |
| Missouri |
MW |
0.88 |
0.50 |
4.31 |
4.96 |
| Montana |
WE |
1.10 |
0.55 |
5.19 |
4.77 |
| Nebraska |
MW |
1.22 |
0.76 |
2.60 |
2.36 |
| Nevada |
WE |
2.37 |
0.80 |
1.64 |
2.82 |
| New Hampshire |
NE |
0.71 |
0.73 |
1.90 |
2.18 |
| New Jersey |
MA |
0.39 |
0.66 |
3.42 |
3.01 |
| New Mexico |
SW |
0.62 |
0.46 |
3.71 |
5.41 |
| New York |
MA |
0.92 |
0.86 |
2.10 |
2.89 |
| North Carolina |
SE |
0.79 |
0.80 |
4.46 |
5.07 |
| North Dakota |
MW |
2.01 |
1.26 |
2.03 |
1.91 |
| Ohio |
MW |
1.07 |
0.74 |
5.88 |
5.53 |
| Oklahoma |
SW |
1.31 |
1.34 |
2.66 |
2.77 |
| Oregon |
WE |
0.21 |
0.74 |
5.84 |
5.57 |
| Pennsylvania |
MA |
0.76 |
0.67 |
2.58 |
2.92 |
| Rhode Island |
NE |
0.52 |
0.15 |
3.89 |
3.75 |
| South Carolina |
SE |
0.15 |
-0.29 |
5.47 |
5.48 |
| South Dakota |
MW |
1.67 |
1.12 |
4.19 |
3.55 |
| Tennessee |
SE |
0.52 |
0.21 |
4.40 |
4.52 |
| Texas |
SW |
1.25 |
0.96 |
3.02 |
3.27 |
| Utah |
SW |
2.35 |
1.82 |
1.76 |
2.73 |
| Vermont |
NE |
0.79 |
0.91 |
2.03 |
1.44 |
| Virginia |
SE |
1.18 |
1.12 |
3.31 |
2.88 |
| Washington |
WE |
0.73 |
-0.49 |
5.01 |
6.75 |
| West Virginia |
SE |
0.91 |
0.87 |
2.49 |
1.93 |
| Wisconsin |
MW |
0.63 |
-0.23 |
4.90 |
5.47 |
| Wyoming |
WE |
0.09 |
0.60 |
3.68 |
3.21 |
Data Source: Bank regulatory filings via SNL Financial