[elliekelly]

I’m on mobile so I can’t read the numbers on the excel screenshot you provided but the historic high return on average equity for banks[1] (not including brokerage) was 16.29% in 1999. At last measure it was 11.85%. Dodd-Frank was merely a speed bump. The vast majority of banks have long since recovered from the crisis.

[1] https://fred.stlouisfed.org/series/USROE

[Despegar]

That's not a good chart for banks. Their cost of capital is 8-10%, doing 11 or 12% is pretty shitty compared to the pre-crisis era.

And the smaller community banks have less onerous regulations than the big ones. Banks have to be much more capitalized and have less leverage because of Dodd-Frank. That's why the return on equity is mediocre.

[tomrod]

While I'm not personally keen on him, Trump's admin rolled back CCAR to every 4 years, for small book every 6. Expect lower regulatory costs.