11月，东三省的金融版图略显寒意。 24日，东北首家农商银行九台农商银行H股正式从联交所退市。2024年上半年财报显示，该行营业收入20.45亿，同比下降18.78%，净利润1.3亿，同比增长 1.64%——这也是其最后一次更新的业绩报表。 21日，曾一度被聚光灯环绕的盛京银行从港股退市。 14日，锦州银行APP正式停止服务，线下网点开始拆除原有招牌，逐步挂上工商银行招牌。一年前，2024年4月，锦州银行从港交所退市。 至此，东三省仅剩哈尔滨银行一家上市银行。而这位独苗自从2020年9月股价跌破1港元后，哈尔"仙股"帽子难摘。11月2日收盘价为0.375港元。 大起大落的相同剧本 在2019年前，锦州银行一直属于城商行中佼佼者。 2010年，它获准筹建北京分行，成为全国首家在北京设立分支机构的地级城商行。2015年12月，锦州银行登陆港交所，特意选用了"00416"作为股票代码 ——这是锦州市的电话区号。2013年至2017年，该行净利润从13.6亿元飙升至90.9亿元，累计增幅达5.7倍，年均复合增长率超46%，远超同期银行业平均水 平。 即使如此，哈尔滨银行在一众在港上市城农商行中，流动性已经算"优等生" ...

Core Insights - Regional banks in the U.S. are experiencing localized issues rather than a systemic crisis, despite recent debt crises stemming from corporate bankruptcies and alleged fraud [1][2][3] - The CEO of Alliance West Bank expressed confidence in asset quality and stability moving forward [1] - The stock prices of regional banks stabilized after a significant drop of $100 billion in market value due to concerns over bad loans and fraud in the commercial real estate sector [1] Group 1: Economic Context - The trauma from the 2023 banking crisis, which involved deposit outflows from several large regional banks, has contributed to investor unease, although current issues are more contained with sufficient reserve buffers [2][3] - Unlike the rapid deposit runs seen in 2023, current credit shocks are not immediately threatening to banks' financial health due to adequate reserves [3] Group 2: Performance and Outlook - Despite facing challenges, Alliance West Bank and Zions Bancorp reported third-quarter profits exceeding analyst expectations [3] - First-Citizens BancShares experienced fluctuations in earnings due to bad loans, including an $82 million write-off linked to the bankruptcy of First Brands, but did not foresee broader credit quality concerns [3] - Fifth Third Bancorp faces potential losses of up to $200 million due to its association with the bankrupt Tricolor Holdings, although it has conducted thorough checks on its loan collateral [4] Group 3: Market Reactions - Amerant Bancorp delayed its earnings report to conduct further customer reviews, raising concerns about potential credit issues, leading to a more than 4% drop in its stock price [4] - Analysts express uncertainty regarding the implications of Amerant's extended review period, indicating a cautious outlook on the bank's credit performance [4]