Wipfli ：2025年美国银行业状况研究报告（英文版）

The economic environment was more favorable for financial institutions in 2024. Liquidity concerns eased, and interest rates became more manageable. Consequently, credit losses were lower than anticipated by most institutions, and loan portfolios remained relatively stable. Our annual state of banking report investigates how financial institution leaders are experiencing and responding to industry dynamics such as these. We surveyed 345 C-level executives at small (less than $1B in assets), m