The State of the CDFI Banking Industry

Total Assets
Total Loans
Total Deposits
Total Equity
Total Net Income
Median Net Interest Margin (NIM)
Median Return on Average Assets (ROAA)
Median Return on Average Equity (ROAE)
Median Efficiency Ratio
Median Tier 1 Leverage Ratio
Median Noncurrent Loans (NCL) to Total Loans Ratio
Median Net Charge-Offs (NCO) to Average Loans Ratio
Median Loan Loss Reserves (LLR) to Total Loans Ratio
Texas Ratio
Development Lending Intensity CDFI Banks
Development Deposit Intensity CDFI Banks

NCIF Social Performance Metrics:
DDI: % of a bank’s branches located in low- and moderate-income communities.
DLI-HMDA: % a bank’s HMDA-reported lending occurring in low- and moderate-income areas.
Complete definitions.

All information is based on annual HMDA data (ffiec.gov), Census data, annual Summary of Deposits data (fdic.gov), and Statistics on Depository Institutions (fdic.gov) as well as private reporting from banks where appropriate. DLI-HMDA and DDI data is based on data released on 12/31/2018. Financial data is as of 12/31/2019.