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.
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.