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
All   1.10 0.72 4.30 4.35
Data Source: Bank regulatory filings via SNL Financial