{"id":195148,"date":"2023-08-22T11:00:00","date_gmt":"2023-08-22T15:00:00","guid":{"rendered":"https:\/\/ibkrcampus.com\/?p=195148"},"modified":"2023-08-22T12:07:50","modified_gmt":"2023-08-22T16:07:50","slug":"sp-slashes-ratings-of-5-us-regional-banks-facing-growing-challenges","status":"publish","type":"post","link":"https:\/\/www.interactivebrokers.com\/campus\/traders-insight\/securities\/macro\/sp-slashes-ratings-of-5-us-regional-banks-facing-growing-challenges\/","title":{"rendered":"S&amp;P Slashes Ratings Of 5 US Regional Banks Facing Growing Challenges"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-zinger-key-points\">ZINGER KEY POINTS<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>S&amp;P Global Ratings&#8217; review prompts rating actions on 10 U.S. banks, with 5 rating downgrades.<\/li>\n\n\n\n<li>Asset quality concerns arise as higher rates lead to rising nonperforming assets.<\/li>\n<\/ul>\n\n\n\n<p>S&amp;P Global Ratings has cast a spotlight on the challenges faced by several U.S. regional banks, resulting in a series of downgrades that have reverberated&nbsp;<a href=\"https:\/\/www.benzinga.com\/topic\/banks\" target=\"_blank\" rel=\"noreferrer noopener\">through the financial sector.<\/a><\/p>\n\n\n\n<p>According to the renowned rating agency, the Federal Reserve\u2019s tight grip on monetary policy is now putting a strain on the funding, liquidity, and&nbsp;revenue of many U.S. banks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>S&amp;P Global Ratings\u2019 Actions On US Banks<\/strong><\/h2>\n\n\n\n<p>Among the banks affected by the downgrades,&nbsp;<strong>Associated Banc-Corp<\/strong>,&nbsp;<strong>Comerica Inc.<\/strong>,&nbsp;<strong>KeyCorp<\/strong>,&nbsp;<strong>UMB Financial Corp.<\/strong> and&nbsp;<strong>Valley National Bancorp<\/strong> have all seen their ratings lowered by one notch, with stable outlooks assigned. This recalibration reflects the challenges these banks face in the current environment and the potential impact on their overall stability.<\/p>\n\n\n\n<p>Both Comerica and Keycorp slipped 0.8% in the premarket trading on Tuesday.<\/p>\n\n\n\n<p>Additionally,&nbsp;<strong>River City Bank<\/strong>&nbsp;<a href=\"https:\/\/www.benzinga.com\/quote\/rcbc\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>and&nbsp;<strong>S&amp;T BancorpInc.<\/strong> have had their outlooks revised to negative while maintaining their ratings, signaling potential concerns that investors and stakeholders should monitor.<\/p>\n\n\n\n<p>S&amp;P affirmed the rating and maintained a negative outlook on&nbsp;<strong>Zions Bancorporation<\/strong>&nbsp;<strong>N.A.<\/strong>&nbsp;<\/p>\n\n\n\n<p>Moody\u2019s took a&nbsp;<a href=\"https:\/\/www.benzinga.com\/news\/large-cap\/23\/08\/33628213\/us-banking-sector-shaken-moodys-drops-credit-ratings-of-10-banks-sounds-alarm-for-more-downgrades\" target=\"_blank\" rel=\"noreferrer noopener\">similar action<\/a>&nbsp;earlier this month, when it downgraded 10 U.S. banks and placed six on review for prospective downgrades, including&nbsp;<strong>Bank of New York Mellon<\/strong>&nbsp;<strong>Corp.<\/strong>,<strong>&nbsp;US Bancorp<\/strong>,&nbsp;<strong>State Street Corp.<\/strong>, and&nbsp;<strong>Truist Financial Corp.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Rising Distressed Loans, Funding Costs and Liquidity Squeeze<\/h2>\n\n\n\n<p>The impact of higher interest rates on borrowers is becoming evident through rising nonperforming assets, delinquencies, and charge-offs, approaching historical averages, according to S&amp;P Global Ratings.<\/p>\n\n\n\n<p>The report also suggests that banks with significant exposure to commercial real estate (CRE), especially office loans, could face the most significant strains on asset quality.<\/p>\n\n\n\n<p>U.S. banks have increasingly turned to wholesale borrowings as a means of raising capital, leading to a more than 40 basis points rise in funding costs in the second quarter and over 180 basis points since the Federal Reserve began its rate hikes. The decrease in deposits has also put pressure on liquidity for many banks.<\/p>\n\n\n\n<p>S&amp;P Global Ratings estimates that FDIC-insured banks collectively held more than $550 billion in unrealized losses on available-for-sale and held-to-maturity securities as of June 30, 2023.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Far From Being A Systemic Risk<\/h2>\n\n\n\n<p>While challenges remain for U.S. regional banks amid changing economic conditions, S&amp;P Global Ratings indicates that most banks have taken steps to mitigate risks and maintain stability.<\/p>\n\n\n\n<p>\u201cAbout 90% of the banks we rate have stable outlooks while only 10% have negative outlooks,\u201d analysts wrote in the report.<\/p>\n\n\n\n<p>\u201cThe preponderance of stable outlooks reflects that stability in the U.S. banking sector has improved significantly in recent months,\u201d analysts indicated, adding that \u201cmost banks can manage a likely further moderate deterioration in funding.\u201d<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>&#8212;<\/p>\n\n\n\n<p>Originally Posted August 22, 2023 &#8211; <a href=\"https:\/\/www.benzinga.com\/analyst-ratings\/analyst-color\/23\/08\/33982145\/s-p-slashes-ratings-of-5-us-regional-banks-facing-growing-challenges\">S&amp;P Slashes Ratings Of 5 US Regional Banks Facing Growing Challenges<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>S&#038;P Global Ratings&#8217; review prompts rating actions on 10 U.S. banks, with 5 rating downgrades.<\/p>\n","protected":false},"author":1128,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[15,18,6,8,9,26,3],"tags":[246,7571],"contributors-categories":[13584],"class_list":{"0":"post-195148","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-fixed-income","7":"category-macro","8":"category-north-america","9":"category-region","10":"category-securities","11":"category-text-articles","12":"category-traders-insight","13":"tag-banks","14":"tag-credit-ratings","15":"contributors-categories-benzinga"},"pp_statuses_selecting_workflow":false,"pp_workflow_action":"current","pp_status_selection":"publish","acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>S&amp;P Slashes Ratings Of 5 US Regional 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