America’s Best And Worst Banks 2021

For America’s biggest banks, the past twelve months have been one of the biggest tests of their resilience in history. The Coronavirus pandemic all but shuttered the U.S. economy for months, spurring enormous shifts in business and consumer habits. Lenders big and small, from America’s four megabanks to small regional firms, have passed their test with flying colors.

Despite some of the sharpest drops in gross domestic product and employment ever witnessed, banks were able to serve their customers and remain profitable. In 2020, there were just four bank failures in the U.S., despite the extraordinary economic circumstances. Only about 5% of banks nationwide were unprofitable, according to data from the Federal Deposit Insurance Corporation, and about 53% of banks reported annual increases in profits in 2020. 

The pristine shape is thanks to effective emergency measures implemented by Washington that thawed corporate and mortgage credit markets, offered stimulus and small business aid to Main Street, and allowed for widespread forbearance. These factors helped firms play their role as the financial cog that lubricates the American economy.

Corporations used low rates to issue and refinance debt at record rates in 2020, creating a cash cushion. Homeowners did the same, taking advantage of near-record-low interest rates to purchase homes or cut their interest costs. Technology also played a big role as the banking industry undergoes a digital transformation. Consumers could handle their finances on mobile apps during quarantine, instead of at temporarily closed bank branches, and digital change is helping to bolster profitability.

Not only did the stellar performance help the economy through the pandemic, it has positioned the United States for an enormous economic boom as Americans are inoculated from Covid-19 and the economy reopens in full. Millennials are entering the housing market in droves, industries like software and technology are growing rapidly, and businesses will soon be on the offensive in areas like travel, entertainment and retail.

Click here to see the full list of America’s Best Banks.

There are more than 5,000 banks and savings institutions in the U.S., but assets are increasingly concentrated at the top. The 100 largest have $16.4 trillion in assets, representing over 80% of total U.S. bank assets. Asset quality and profitability vary wildly among those institutions. With that in mind, Forbes examined the financial data to gauge America’s Best and Worst Banks.

Born out of the financial crisis of the late 2000s, this is the twelfth year Forbes enlisted S&P Global Market Intelligence for data regarding the growth, credit quality and profitability of the 100 largest publicly-traded banks and thrifts by assets. The ten metrics used in the rankings are based on regulatory filings through September 30. The data is courtesy of S&P, but the rankings are done solely by Forbes.

Metrics include return on average tangible common equity, return on average assets, net interest margin, efficiency ratio and net charge-offs as a percentage of total loans. Forbes also factored in nonperforming assets as a percentage of assets, CET1 ratio, risk-based capital ratio and reserves as a percentage of nonperforming assets. The final component is operating revenue growth. We excluded banks where the top-level parent is based outside the U.S.

CVB Financial, the parent company of Citizens Business Bank, was the top-rated bank in America for a second consecutive year, The Ontario, California-based small business lender was in the top-20 across every metric Forbes tracked, and it shone brightest in its efficiency ratio (39.%), operating revenue growth (41.5%) and posted a negative net charge off ratio. The median bank on Forbes’ list, by contrast, had a 57% efficiency ratio, posted operating growth of just 5.4%, and experienced a charge off rate of 0.17% of average loans. CVB, founded in 1974 and with over $13 billion in assets and over 50 branches across the state of California, has been profitable for 174 consecutive quarters, though a long streak of rising profitability was temporarily broken.

Smaller banks, and those focused on commercial lending, continued to dominate the top levels of the Forbes Best Banks list. Just one bank inside the top-20 had more than $100 billion in assets.

Houston-based Prosperity Bancshares ranked at #2, rising six spots from our 2020 list, thanks to its surging growth. Operating revenue rose 54% in 2020, and the lender performed well in efficiency and capitalization. Rounding out the top-5 were Kalispell, Montana-based Glacier Bancorp, Colorado Springs-based Central Bancorp and Conway, Arkansas-based Home BancShares. Average assets in our Top-5 was just $20 billion.

In the top-10 were McKinney, Tx-based Independent Bank Group, #6, DeWitt, NY-based Community Bank System, #7, Bank of New York Mellon, #8, Santa Clara, CA-based SVB Financial Group, #9, and Wilmington, DE-based WSFS Financial. Bank of New York Mellon was one of our biggest risers, gaining 44 spots, and outperforming on loan quality.

For the first time ever, the Big Four of U.S. banking—JPMorgan Chase, Bank of America, Citigroup and Wells Fargo—saw their combined assets exceed $10 trillion, or more than half the U.S. total. None of these banks finished in our Top-50, generally falling due to below-average growth as they set aside massive provisions to deal with the pandemic and were hit by plunging interest rates. JPMorgan Chase ranked highest at #51, dropping eight spots. Citigroup gained 10 spots to place at #65. Bank of America and Wells Fargo both slid, placing at #74 and #98, respectively.

JPMorgan, led by CEO Jamie Dimon, ended 2020 on a high note, reporting a record $12 billion profit as it released reserves built up to handle Covid-19 related economic stress. Despite the extraordinary circumstances, the lender saw average loans and its capital position rise to end the year, and it reported a surge in bank deposits. During 2020, the bank raised over $2 trillion of credit and capital for its clients, spanning ordinary U.S. households to the biggest corporations on the planet.

“In general, the banks have so much capital, so much liquidity and so much capability,” Dimon recently told investors in a December conference, weeks before the bank reported record annual revenues. While Dimon remains concerned about the pandemic as vaccines are distributed, and sees a varied recovery for consumers and businesses, he added of the banking industry, “I think we’re coming out of this looking great.”

Wells Fargo continued to fall in Forbes’ rankings in the wake of a 2016 fake accounts scandal that has cost the bank billions of dollars and led to dramatic change atop the lender. Wells dropped twelve spots in 2019, placing #98, due to a pronounced slump in revenues as the Federal Reserve limits its asset growth.

Over the past 12-months, JPMorgan’s stock has fallen 0.4%, making it the best performer among big banks, which all saw their stocks drop and underperform the S&P 500 Index. Citigroup shares have shed 19%, while Banks of America dropped 7%. Once more, Wells Fargo was the big laggard, falling by a third in value over the past year.

Rounding out the top-100 was Texas Capital Bancshares, #99, and CIT Group, #100.

New York-based business lender CIT Group is in the process of acquiring family-controlled First Citizens Bancshares, which ranked #62. The merger that will create a new diversified consumer and business lender with over $100 billion in combined assets, and a large presence in booming Sun Belt markets like Florida, Georgia and Tennessee. The merger comes a year after the combination of SunTrust and BB&T, which created $499 billion in assets Truist Financial, #48, which created a dominant lender in the Mid-Atlantic and Southeast.

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Antoine Gara

Antoine Gara

I’m a staff writer and associate editor at Forbes, where I cover finance and investing. My beat includes hedge funds, private equity, fintech, mutual funds, mergers, and banks. I’m a graduate of Middlebury College and the Columbia University Graduate School of Journalism, and I’ve worked at TheStreet and Businessweek. Before becoming a financial scribe, I was a member of the fateful 2008 analyst class at Lehman Brothers. Email thoughts and tips to Follow me on Twitter at @antoinegara


Clark Howard: Save More, Spend Less

Some of the biggest banks in the country were also ranked with some of the worst customer service in a recent survey. Clark tells you who ranks the worst, and which banks are the best.


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How Sales Enablement Can Drive Revenue Growth in 2021

How did your leadership priorities change in 2020? If you started paying more attention to the sales enablement needs of your organization, you’re not alone.

According to recent HubSpot research, 65% of sales leaders who outperformed revenue targets in 2020 reported having a dedicated person or team working on sales enablement efforts instead of making it an initiative someone works on off the side of their desk.

[New Data] The 2021 Sales Enablement Report

For sales organizations that have been waiting to implement dedicated sales enablement measures — the time is now. With 2021 right around the corner, intentional sales enablement is a must-have for organizations that want to remain competitive in the future.

HubSpot recently sat down with Chris Pope, Director of Sales at Crayon, to discuss how companies can implement sales enablement strategies that can move the needle and drive revenue growth.

“Crayon defines sales enablement as providing our account executives with the resources and content they need to win more deals. Closing deals is more important than ever, especially in today’s competitive market where there are fewer deals to close,” he says.

In 2020, Crayon placed even greater emphasis on sales enablement to support their sales force. “We’ve put even more effort into making sure that our sales teams have the resources they need, simply because every deal matters more than ever,” says Pope.

How to Improve Sales Enablement for Your Team

1. Use data to inform your sales enablement content.

Crayon uses data to inform sales enablement decisions. According to Pope, his team relies on “velocity reports” to determine what areas of the sales process reps need the most support with.

“Velocity reports tell us what our reps conversion rates are at every stage of the sales funnel. How many opportunities are turning into discovery calls? How many discovery calls are turning into demos? How many demos are turning into proposals? And how many proposals do we send out that turn into closed business?” says Pope.

“We leverage that data to inform us where each individual rep needs to spend the most time, and where managers need to spend time training individual contributors.”

From an organizational level, this approach helps sales leaders know how to support sales managers and reps, and provides valuable insight into the type of training and content would be most effective.

Two examples of enablement content Crayon leadership has provided to their sales team include:

Call Recordings

“We love call recordings. We not only have call recordings of what the perfect call sounds like, we also have recordings of ideal discovery calls, effective demos, and successful closing calls. We share these recordings with reps who may need help in those areas, and we share them broadly across the organization so everyone is on the same page,” Pope says.

Battle Cards

Battle cards are a valuable tool for preparing reps to speak to features and objections related to your product. Crayon relies heavily on battle cards to ensure sales reps understand what they’re selling inside and out.

“We use our own product to make sure that our individual contributors have the most up to date messaging on how we position against our competition. This knowledge has been crucial not only for our organization, but for our customers as well,” says Pope.

2. Focus on sales team culture.

Chances are, you’re familiar with the term “company culture” — the idea that a company should have a shared set of beliefs, values, and practices. But when was the last time you assessed the culture of your sales team?

Sales teams are often dynamic organizations with motivated team members whose ability to sell is critical to the health of a company. Building strong rapport among members of the sales team and having a culture of open communication, especially in a remote environment, is an effective way to support sales enablement.

Feeling supported and included while selling remotely can be challenging for reps. For Crayon, sales team cohesion is a high priority.

“We’ve done our best to create a team atmosphere. We have daily calls where the entire sales team is on together, we have a peer program where our more experienced reps are paired with less experienced reps to offer coaching and mentorship, and we’re creating cross-functional opportunities for our pipeline generation team to work closer with our closing team,” says Pope.

These activities build trust across the team, and strengthen communication among sales managers and reps, creating a better environment to tackle sales enablement issues as they arise.

3. Prioritize sales enablement at each level of the organization.

At Crayon, sales enablement is an all-hands-on-deck initiative from the top down.

“Sales enablement is a team effort at Crayon. It starts at the top with our Senior Vice President of Sales, who delivers insight on broad topics and training related to overarching sales themes such as a demo workflow, or how to run a closing call,” says Pope.

“The managers and directors are responsible for individual training tailored to the needs of their reps. This can include listening in on at least a few calls for each individual contributor weekly, and providing regular feedback.”

In addition to the sales enablement work of leadership, Crayon focuses heavily on team selling to get everyone involved.

“If one of our reps is great at positioning our product against a competitor’s or they’re strong at demoing a certain aspect of our platform, we’ll invite their team members to tune into their sales calls so they can learn from them.”

Everybody within the organization plays a role in our sales enablement.

In 2020, sales managers at Crayon took a hands-on approach to coaching reps who had opportunities for improvement.

“We’ve really made it a focus to make sure managers are involved in more calls. Managers are putting time aside to give individual contributors and feedback that they need after calls, and benchmarking performance after every stage of the sales cycle,” says Pope.

According to Pope, if a rep is struggling with a specific part of the sales process, Crayon’s team will “focus our training on the specific aspect of the process they’re struggling with to help them improve and get their overall win rate up.”

4. Don’t wait to give feedback.

When sales managers and seasoned team members are coaching reps, the Crayon team makes it a point to provide feedback quickly.

For example, if Pope were to listen in to a rep’s sales call with a prospect, he would schedule 15 minutes with the rep right after the call to deliver feedback on how it went.

“When you let time pass, the call is not as fresh in the rep’s mind, and your feedback is not going to be as direct as it would be if you delivered it right away.”

5. Make sure sales managers feel supported.

Sales managers often have a lot on their plate. They are responsible for coaching and leading their reps to success, and are accountable for their team’s performance to leadership. For growing companies, relieving pressure from sales managers is crucial for a healthy organization.

“As you continue to scale your teams you don’t want your managers to feel overwhelmed. You want to make sure they have enough time in the day to give every individual contributor the attention that they need to to perform their best.” says Pope.

Pope says Crayon focuses on conscious staffing and resourcing to avoid sales manager burnout:

“If we know we’re going to hire a new group of sales reps, we make sure we already have enough managers in place who have the bandwidth to lead.

So when those people start we don’t have a new manager meeting new reps, we have experienced managers working with new reps, and we make sure that team members have the data they need to understand what their path to success will be as an individual contributor.”

Improving Team Morale in 2021

Per HubSpot’s 2021 Sales Enablement Report, 40% of sales leaders expected to miss their revenue targets this year. That means sales enablement efforts are not only necessary for growth — they are critical for survival.

In a competitive landscape where sales teams are working with volatile markets and buyer uncertainty, keeping morale high is more challenging than ever. Pope shares why communication is Crayon’s greatest tool for keeping employees engaged.

“Morale has been all over the map for different members of the team. At Crayon, we never go a day without checking in on our reps,” he says. “I try to at least have two times a day where I’m asking them how their days are going, what they’ve been working on, what calls have gone well, what calls haven’t gone well, and asking how can I continue to support them.”

This approach to communication happens at the organizational level as well.

“Crayon has done a really great job of communicating, being honest about when we might go back into the office, and making sure we’re meeting with folks who are concerned about not having an office atmosphere to make sure that they’re comfortable with their remote work setup,” says Pope.

If you’re looking for more advice on boosting sales rep productivity and morale, check out this post for advice from an Aircall sales leader on navigating employee fatigue.

By: Lestraundra Alfred @writerlest




Learn more about Sales Enablement: Why You Need Sales Enablement:… The Sales Enablement Certification will teach you how to develop a marketing-driven sales enablement strategy. This course was designed with marketing managers in mind, but other marketers, as well as sales leaders, can benefit from learning the principles involved in this approach to sales enablement.

This course is made up of 12 classes and a 60-question exam. Completing this course will help you: 1. Align your marketing and sales teams around business-level goals 2. Define your target customer using buyer personas and Jobs to Be Done 3. Implement marketing processes that will provide your sales team with a steady flow of qualified leads 📔 Grow Your Career and Business with HubSpot Academy: 📔 Favorite Free Certification Courses: • Social Media Marketing Course:… • SEO Training Course:… • Inbound Course:… • Inbound Marketing Course:… • Email Marketing Course:… • Inbound Sales Course:… • Taking your Business Online Course:

Financial Analysis : Analyzing Your Business 360 Degree Health

Financial planning and analysis are the integral part of business operations and help determine a company’s growth, profitability, sustainability, and overall financial performance. Organizations need accurate and measurable methods to determine many aspects of their finances so that they know how well they are doing in the market.

 “The Federal Reserve Bank of Chicago’s recent Small Business Financial Health Analysis indicates business owners knowledgeable about business finance tend to have companies with greater revenues and profits, more employees and generally more success.”

Organizations need to be prepared for the future with business impact analysis and build successful strategies that are profitable, and investments that are sound. Availing financial analysis services can enable companies to have improved revenue and profitability by using financial data to drive and control business progress. 

The Essential Components of Financial Analysis

The Essential Components of Financial Analysis

There are many key components of financial analysis that help businesses see a complete view of their financial health. This helps them be better prepared to understand what strategies are impacting their business positively or negatively, so that they can make internal adjustments that will pivot them in new directions successfully. In fact, the same report by The Federal Reserve Banks of Chicago asserts that “understanding one’s finances and financial statements is a critical part of being able to assess what a business needs to survive and grow.”

Here are some of the most essential components of financial analysis:

  • Revenue Revenue is a measurement of a company’s overall net profits from sales, services, and from employee performance but typically doesn’t include one-time revenues. It’s typically a company’s core cash source, and lasting success can often be determined by the quality, timing, and amount of revenues.

For example, analyzing Revenue Growth would include revenue from this minus last period’s revenue, divided by last period’s revenue, and should never incorporate one-time revenues or results could be skewed.

  • Income Statement Financial statement analysis detailing financial performance over a certain time period and helps to predict how a business will perform in the future by looking at gross profit margin, net profit margin, and operating profit margin.
    • Balance Sheet Balance sheets help determine how you are best generating revenue and reports liabilities and assets and measures ratios like debt to capital and debt to equity.
    • Cash Flow Statement Reports cash from financing, investing and operations and helps to accurately measure cash flow from how much cash is being generated over particular time periods.
  • Profit Companies that fail to consistently product high quality profits are at risk when it comes to lasting survival. Consistent profits are a sign of long-term growth and is measured by your gross profit margin, operating expenses, and costs of goods.

For example, Operating Profit Margins determine an organization’s ability to generate a profit no matter the method of financing operations, such as through debt or equity. So, the higher the operating profit margin, the better positioned a company will be. Taxes and interest aren’t a part of operating expenses during analysis of this factor.

Net Profit Margins, on the other hand, are the remainders of what can be reinvested in a company and distributed to wonders via dividends. This is typically measured by a formula that subtracts operating expenses, cost of sold goods, and other types of expenses from revenues, before dividing by revenues.  

  • Capital and Solvency This helps to determine a company’s ability to meet its fixed expenses for long term growth by how much they spend in relation to the cost of their products and services.

The return investors are producing from a company is represented by the Return on Equity, which is an important factor that should be included in a business’s financial analysis.

Also, Debt to Equity is another critical element because this helps businesses understand how much leverage they’re relying on to operate efficiently, and this must not exceed a sensible amount for the company.

  • Liquidity Measures how much money you can generate to cover cash expenses compared to what you purchased something for and how much you can sell it for without affecting the market price.

A financial analysis of this can address a company’s ability to produce sufficient cash flow to cover all of their various cash expenses. Generally, it’s understood that there’s no quantity of revenue growth, for example, that can counteract bad liquidity.

In this aspect of financial analysis, Current Ratio and Interest Coverage are evaluated. The former includes the business’s ability to pay any short-term cash commitments, while the latter calculates a business’s ability to cover interest expenses from any generated cash flows.

  • Operational Efficiency The higher a company’s operational efficiency, the more profitable it is, and it measures the financial activity of transaction costs that have to do with a company’s investments. Basically, this calculates the company’s ability to utilize their own resources to their best advantage, and poor operational efficiency can often equate to less profits and growth.

To measure this, a financial analysis should incorporate Inventory Turnover, which is how well the company manages inventory. Higher numbers indicate that the company is doing this well, while lower numbers could mean that the company is over-producing for the amount of sales they’re generating, or they’re simply not selling enough.

Accounts Receivables Turnover should also be included in the analysis, and this would assess how well the company manages any credit that’s being extended to their clients or customers. In these cases, higher numbers are an indication of well-managed credit, while lower numbers are a good indication that the company needs to re-evaluate how they manage their collection process from their clients and customers.

Benefits of Financial Analysis

Benefits of Financial Analysis

Financial analysis helps business owners and managers make financial decisions and choose the best route for investments based on historical data, trends, and other financial factors. Conducting a financial analysis uses balance sheets, income and financial statements, and cash flow statements. Here are the benefits of financial analysis:

  • Measure Economic Trends Before you make impactful decisions and allocate resources to new investments, you can use past data to measure economic trends that will positively or negatively impact your business’s finances.
  • Compare Competitor Performance Understand the strategies and investments that your competition is making in the market so that you can identify the best approaches for your own company and corresponding industry.
  • Measure Future Profitability Measure and estimate how well your investment strategies, and product and service offerings are going to perform in the market and how that will impact your company’s future growth opportunities.
  • A Complex View of Financial Data Identify many different components of your finances with fundamental and technical analysis, such as earnings per share (EPS), and from trading and price movements.
  • Discover New Investment Opportunities Find key opportunities, improve investor information, learn more about emerging and alternative markets, and improve stock market trading.
  • Understand Financial Management Adjust financial management strategies, better allocate resources, improve financial planning, help financial efficiency, mitigate uncertainty, identify problems, and make more consistent decisions.

Outsource Financial Analysis to the Research and Analysis Experts

Research Optimus (ROP) has over a decade of experience providing financial business analysis for start-ups, small businesses, and enterprises in different industries all over the world. ROP’s researchers and analysts are tenured in using business analysis tools for financial research, business valuation, credit research, financial risk analysis, and more to help assist businesses make the best strategic financial decisions possible. Our team of analysts is ready to assist you; contact us for more information about our financial analysis services.



The StudyTube Project

Hey guys, it’s @Lydia Violeta​ here! Today I’m going to attempt to explain how you can analyse and measure the success and health of a company, using financial and non-financial indicators! I hope this makes sense, and let me know if you’d like me to make more business content for this channel! 🙂 For more from the StudyTube Project: Instagram:…​ Twitter:​ For more from Lydia: YouTube:…​ Instagram:​ Twitter:​ Thanks for watching and make sure to subscribe! 🙂 x


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