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Financial Indicators

100 large
281 small
Banks and financial
Per capita, NAICS codes: 522 and 523, ‡
Data source: Census Bureau
2014 0.051 0.052
Total bank deposits
Per capita, divided by corresponding U.S. value, ‡
Data source: Federal Deposit Insurance Corp.
2015 0.068 0.060
Tax burden
State and local taxes paid, per capita (state-level data); divided by corresponding U.S. value, †
Data Source: Tax Foundation
2012 0.140 0.174
Dependency ratio
Population (<18 and 65+) divided by population 18-64, †
Data source: Census Bureau
2014 0.069 0.076
Small business growth
Indexed growth of number of businesses (50 employees), divided by corresponding U.S. value, ‡
Data sources: Census Bureau, Moody's Analytics
2009; 2014 0.208 0.163
Older adults below
poverty line
Percent of 65+ population living below poverty line, †
Data source: Census Bureau
2014 0.077 0.075
Capital gains
Net capital gains divided by adjusted gross income (state-level data), †
Data source: Internal Revenue Service
2013 0.147 0.105
Income growth
Indexed income growth (2005-2010), divided corresponding U.S. value, †
Data sources: Bureau of Economic Analysis, Moody's Analytics
2009; 2014 0.118 0.144
Reverse mortgages
Initial principal limits/population 65+, divided by corresponding U.S. value. 3-month averages
(January-March), †
Data sources: Department of Housing and Urban Development, Milken Institute
2015 0.122 0.150
* Figures may not add up to 1 due to rounding. † The lowest value is ranked highest. ‡ The highest value is ranked highest.

With costs of health care, housing, and social services escalating, financial security is a growing concern for older individuals. We replicated the financial indicators in our 2014 report to provide the most comprehensive estimate of the financial environment for each metro.

The financial category includes the metros' numbers of banks and financial institutions since ready access to these institutions may facilitate strategic money management. Increased bank deposits and capital gains as well as low levels of poverty signify the financial health of individuals in a community.

Growth rates of small businesses and income also are part of this category, since business climate is tied to work opportunities and, thus, personal finances. Similarly, we examined tax burden to incorporate the impact of state and local taxes on older adults' financial burden in this category.

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