Top-performing banks take a hard look at expenses, such as branch networks and staffing, according to a Fiserv study. "If you've got a lower expense foundation, then you don't have to take a lot of risk on the asset side of the balance sheet," said Kevin Tweddle, president of bank intelligence solutions at Fiserve. More than 80% of top banks in the study are in the Midwest or Southwest, according to the survey.

Related Summaries