Why sophisticated banks are increasing municipal bond allocations
Municipal bonds offer a rare combination of tax efficiency, low risk weights, and high credit quality that makes them an essential asset class in a diversified balance sheet.
Municipal bonds can outperform taxable fixed income by up to 100 basis points
Qualified municipal bonds are CRA-eligible investments, contributing up to 6 additional points in the 24 point CRA exam
Investment-grade municipal bonds have a 10-year cumulative default rate under 0.1%, compared to 2.3% for corporate bonds, and are less correlated with the loan portfolio.
Improve CRA Results
Outstanding is now easy
Munifi identifies CRA-eligible bonds in your existing portfolio and the market, then produces examiner-ready documentation that strengthens your next evaluation.
- Automated assessment of bond docs for CRA eligibility
- Impact quantification using geo datasets and project-specific data
- CRA Assessment Area matching against your counties and MSAs
- Examiner-ready spreadsheets and memos generated automatically
Boost Yields
Superior Investment Identification
If you blink, you miss yield. Munifi continuously evaluates the entire market with sophisticated models to spot buying opportunities.
- 24/7 market analysis of 100,000+ daily bids and offers
- Simulation across thousands of interest rate scenarios
- Tax-equivalent yield comparison with TEFRA, BQ, and market discount
Reduce Credit Risk
Real-Time Deep Surveillance of Every Bond
Don't wait for a downgrade. Munifi analyzes financials, news, and operating data up to weeks before other market participants.
- Continuous monitoring of all credits in your portfolio
- Real-time financial analysis with key health indicators
- News and market sentiment tracking for early warning signals
- Covenant and repayment provision analysis to separate noise from signal
Automate the Paperwork
Compliant investment memos made easy
Munifi combines offering docs, financials and market data to write full investment initiation memos and updates. Work that would take weeks, done in minutes.
- Instant investment initiation memos with 360 degree analysis on any bond
- Quarterly portfolio updates produced automatically
- Examiner-ready documentation that meets compliance requirements
...supporting multiple park and recreation projects within the Woodforest master-planned community. The Bonds are secured by a continuing, direct, unlimited ad valorem tax on all taxable property in the District. At a clean price of 92.839, the Bonds offer a tax-equivalent yield to expected of 6.20% and yield to maturity of 5.80%, with a higher yield to next call of 7.37%, reflecting their discount pricing.
Credit fundamentals are solid for a Texas MUD: strong value-to-lien (10.68x), normal leverage (9.37% debt-to-AV), exceptionally low taxpayer concentration (top payer 1.13%; top 10 at 4.99%), and strong collections.
2. Issuer Overview
Page 1 of 5Show customers how your bank supports the community
Munifi marketing emails and widgets improve customer NPS by showing how deposits are invested in local schools, recreation centers, and so much more.
Account Summary
Your Priorities
Your deposit helps us support these community projects
Used by professionals from
Ready to transform your
muni bond strategy?
Join savvy banks using Munifi to unlock better yields, streamline CRA compliance, and monitor portfolios in real-time.
No commitment required. See how Munifi can work for your bank in just 15 minutes.