by Philadelphia Fed
Year over year, profitability (ROA) continued to improve at community banks but was flat at large organizations. Quarterly, ROA was nearly flat in all categories of banks. Year over year, total loans grew at an accelerating rate at community banks and more modestly at large organizations. Most of the loan growth at large organizations was in commercial loans, with real estate loans continuing to shrink. Smaller banks saw an increase in all categories of loans, with commercial loans growing the fastest nationally and real estate loans leading locally.