Factors Affecting Regional Bank Health and Supervisory Rating: An Exploration

Denise Duffy, Joseph G. Haubrich and Christopher Healy ()
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Christopher Healy: https://www.clevelandfed.org/our-research/economists/healy-christopher

No 26-02, Working Papers from Federal Reserve Bank of Cleveland

Abstract: Local commercial real estate conditions are positively correlated with the health of regional banks (assets between $10 billion and $100 billion), as measured by the composite confidential supervisory rating. Among other variables, return on assets is positively correlated with our proxy of bank health, but size and capital ratio are negatively correlated. Among the different components of the rating, the management rating has the most influence on the composite rating.

Keywords: Regional Banks; CAMELS ratings; commercial real estate (search for similar items in EconPapers)
JEL-codes: G21 G28 R30 (search for similar items in EconPapers)
Pages: 47
Date: 2026-02-02
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DOI: 10.26509/frbc-wp-202602

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