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Power Outages by State: New Analysis Ranks All 50 States Ahead of a Forecast El Niño Winter

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Five years of federal data show a twentyfold gap between the best and worst states; free report and dataset published ahead of a forecast El Niño winter

ROSEVILLE, Calif., Oct. 6, 2026 /PRNewswire-PRWeb/ — Homes in the typical U.S. state spent 4.9 hours without power each year from 2020 through 2024, but the gap between states is twentyfold, according to a new analysis of federal data published today by security camera retailer Deluxe CCTV. Customers in Louisiana averaged 33.5 hours a year, the most of any state, against 1.7 hours in Arizona, the least.

“When the power goes out, the internet usually goes with it, and so do security cameras that rely on household power and WiFi. This data shows most outage time comes during major storms, so plan for the long outages, not just the average ones,” said Dustin Dalton, owner of Deluxe CCTV.

The report ranks all 50 states and Washington, D.C. using reliability data that electric utilities file annually with the U.S. Energy Information Administration. It is free to read and download, with no registration required.

Maine ranked second at 22.1 hours a year and West Virginia third at 15.5. Washington, D.C. was lowest overall at 0.8 hours.

Storms drive most of the time customers spend in the dark. Across the 50 states and D.C., major events such as hurricanes and ice storms accounted for between 63% and 79% of all outage hours in each year studied. EIA reports that U.S. customers averaged 11 hours of interruptions in 2024, the most in a decade, with major events accounting for 80% of that time.

Single storms can reshape a state’s year. South Carolina customers averaged 52.3 hours without power in 2024, the year of Hurricane Helene, compared with between 2.0 and 5.4 hours in each of the four preceding years.

The report arrives as forecasters warn of an unusually stormy winter. NOAA’s Climate Prediction Center reported on September 28 that El Niño is strengthening, with a greater than 90% chance of a very strong event during the fall and winter of 2026–27.

The data suggests where that would be felt. Winter storms already account for some of the worst years in the record: Oklahoma customers averaged 48.7 hours without power in 2020, the year of the October ice storm, and a single December 2023 storm pushed Maine to 31.1 hours. A strong El Niño typically suppresses Atlantic hurricane activity while steering more storms along a southern track, so the states most affected in a given winter may not be the ones that top this ranking.

How often the power fails is a different picture from how long. Maine customers lost power most frequently, an average of 3.3 times a year, followed by Louisiana at 2.7. The typical state averaged 1.3 outages per customer per year. Illinois, Nevada, Nebraska and New York had the fewest among the states, at 0.9.

The findings point at a gap in home security equipment. Cameras that plug into a wall outlet and connect over home WiFi stop recording when the power fails, and the router they depend on usually goes down with it. The report includes guidance on which equipment keeps working during an outage and which does not.

“Most people think about the lights going out, not their security going dark. When the power goes out, the internet usually goes with it, and so do security cameras that rely on household power and WiFi. This data shows most outage time comes during major storms, so plan for the long outages, not just the average ones,” said Dustin Dalton, owner of Deluxe CCTV.

Methodology. Figures are customer-weighted state averages of SAIDI and SAIFI values reported by utilities under EIA Form EIA-861, converted to hours, for 2020 through 2024, the five most recent years of final data. For 2023 and 2024 the calculations match EIA’s own published state totals to within 0.1% for every state. Small utilities that file EIA’s short form do not report reliability data; nine states where reporting utilities serve fewer than 80% of customers are marked in the report. Full methodology, sources and the complete dataset are published with the report.

The full report and dataset are available at deluxecctv.com/power-outages-by-state.

About Deluxe CCTV

Deluxe CCTV Inc. is a video surveillance equipment company located in Roseville, Calif. Having served more than 500,000 customers worldwide since 2000, Deluxe CCTV has the largest selection of covert surveillance equipment available in North America. Complementing Deluxe CCTV’s line of high-quality products, the company offers industry-leading warranties and exceptional customer service that continues to set it apart from its competitors. For more information, visit deluxecctv.com.

Media Contact

Dustin Dalton, Deluxe CCTV, 1 8887110589, Media@deluxecctv.com, https://deluxecctv.com/

View original content to download multimedia:https://www.prweb.com/releases/power-outages-by-state-new-analysis-ranks-all-50-states-ahead-of-a-forecast-el-nino-winter-302898236.html

SOURCE Deluxe CCTV

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New Cornerstone Advisors Research Reveals Community Banks Are Ceding a $106 Billion Consumer Lending Opportunity

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October 6, 2026

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Study finds consumer lending can protect commercial relationships, deposits and future growth

SCOTTSDALE, Ariz., Oct. 6, 2026 /PRNewswire/ — Community banks that treat consumer lending as a low-margin, low-priority product risk surrendering valuable customer relationships and billions in loan demand to competitors, according to new Cornerstone Advisors research commissioned by Teslar Software.

The report, The Most Valuable Loan Community Banks Don’t Make: The Hidden Value of Consumer Lending, says consumer lending should be viewed not as a standalone profit center but as a way to retain business-owner relationships, protect deposits and defend against fintechs, credit unions and large banks.

Across approximately 5.5 million U.S. employer small businesses, owners are expected to generate roughly $106 billion in consumer loan demand over the next two years — much of which community banks currently allow to flow elsewhere. The study, based on a survey of 1,249 small-business owners and executives and interviews with community bank executives, found that nearly 60% of business owners bank with one of the five largest U.S. banks, where consumer lending represents 12% to 24% of total loan portfolios.

Additionally:

Median consumer loans are just 1.2% of total loans at U.S. banks with $500 million to $20 billion in assets and 0.83% at banks with $10 billion to $20 billion.Only 46% of business owners who obtained a personal loan in the past three years used their primary business bank; 54% borrowed elsewhere.Business owners cited rates or terms (41%), slow approval (35%) and lack of awareness or availability (14%) as reasons for borrowing elsewhere.

“Many banks ask whether consumer loans generate enough profit on their own to justify the investment,” said Elizabeth Gujral, director at Cornerstone Advisors. “The real question is what banks stand to lose when business owners turn elsewhere. Every loan that leaves creates an opening for a competitor to deepen the relationship, attract deposits and win future business. Consumer lending is increasingly a relationship-retention strategy.”

Other key survey findings:

72% of business owners expect to need a consumer loan within three years, up from 66% who obtained one in the previous three years.80% would consider a consumer loan from their primary business bank if it offered the product.Banks with the highest consumer lending mix outperformed those with the lowest, posting median ROA of 1.44% versus 1.15%, ROE of 13.4% versus 10.5%, and deposit growth of 9.9% versus 8.0%.

“Consumer lending is about more than the loan itself,” said Joe Ehrhardt, CEO and founder of Teslar Software. “It’s an opportunity to deepen existing relationships today and build the commercial relationships of tomorrow. By modernizing origination and automating routine processes, community institutions can make consumer lending efficient and profitable while supporting long-term growth.”

The report concludes that although consumer lending may not drive profits on a loan-by-loan basis, it plays a critical role in strengthening customer relationships and defending against growing competition.

The full report, The Most Valuable Loan Community Banks Don’t Make: The Hidden Value of Consumer Lending, is available for download here.

About Cornerstone Advisors

For more than 20 years, Cornerstone Advisors has provided advisory services and research to banks, credit unions and fintech companies. The firm helps financial institutions improve performance, modernize technology, increase efficiency and execute growth strategies.

About Teslar Software

Teslar Software helps community financial institutions modernize operations and accelerate growth while preserving relationship banking. Its unified platform supports loan origination, portfolio management, AI-powered workflow automation and exception tracking.

Media Contact
Cate Pitts, Editorial Director
Cornerstone Advisors
480-425-5203
424179@email4pr.com

View original content to download multimedia:https://www.prnewswire.com/news-releases/new-cornerstone-advisors-research-reveals-community-banks-are-ceding-a-106-billion-consumer-lending-opportunity-302899390.html

SOURCE Cornerstone Advisors

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New Cornerstone Advisors Research Reveals Community Banks Are Ceding a $106 Billion Consumer Lending Opportunity

Published

38 minutes ago

on

October 6, 2026

By

Study finds consumer lending can protect commercial relationships, deposits and future growth

SCOTTSDALE, Ariz., Oct. 6, 2026 /PRNewswire/ — Community banks that treat consumer lending as a low-margin, low-priority product risk surrendering valuable customer relationships and billions in loan demand to competitors, according to new Cornerstone Advisors research commissioned by Teslar Software.

The report, The Most Valuable Loan Community Banks Don’t Make: The Hidden Value of Consumer Lending, says consumer lending should be viewed not as a standalone profit center but as a way to retain business-owner relationships, protect deposits and defend against fintechs, credit unions and large banks.

Across approximately 5.5 million U.S. employer small businesses, owners are expected to generate roughly $106 billion in consumer loan demand over the next two years — much of which community banks currently allow to flow elsewhere. The study, based on a survey of 1,249 small-business owners and executives and interviews with community bank executives, found that nearly 60% of business owners bank with one of the five largest U.S. banks, where consumer lending represents 12% to 24% of total loan portfolios.

Additionally:

Median consumer loans are just 1.2% of total loans at U.S. banks with $500 million to $20 billion in assets and 0.83% at banks with $10 billion to $20 billion.Only 46% of business owners who obtained a personal loan in the past three years used their primary business bank; 54% borrowed elsewhere.Business owners cited rates or terms (41%), slow approval (35%) and lack of awareness or availability (14%) as reasons for borrowing elsewhere.

“Many banks ask whether consumer loans generate enough profit on their own to justify the investment,” said Elizabeth Gujral, director at Cornerstone Advisors. “The real question is what banks stand to lose when business owners turn elsewhere. Every loan that leaves creates an opening for a competitor to deepen the relationship, attract deposits and win future business. Consumer lending is increasingly a relationship-retention strategy.”

Other key survey findings:

72% of business owners expect to need a consumer loan within three years, up from 66% who obtained one in the previous three years.80% would consider a consumer loan from their primary business bank if it offered the product.Banks with the highest consumer lending mix outperformed those with the lowest, posting median ROA of 1.44% versus 1.15%, ROE of 13.4% versus 10.5%, and deposit growth of 9.9% versus 8.0%.

“Consumer lending is about more than the loan itself,” said Joe Ehrhardt, CEO and founder of Teslar Software. “It’s an opportunity to deepen existing relationships today and build the commercial relationships of tomorrow. By modernizing origination and automating routine processes, community institutions can make consumer lending efficient and profitable while supporting long-term growth.”

The report concludes that although consumer lending may not drive profits on a loan-by-loan basis, it plays a critical role in strengthening customer relationships and defending against growing competition.

The full report, The Most Valuable Loan Community Banks Don’t Make: The Hidden Value of Consumer Lending, is available for download here.

About Cornerstone Advisors

For more than 20 years, Cornerstone Advisors has provided advisory services and research to banks, credit unions and fintech companies. The firm helps financial institutions improve performance, modernize technology, increase efficiency and execute growth strategies.

About Teslar Software

Teslar Software helps community financial institutions modernize operations and accelerate growth while preserving relationship banking. Its unified platform supports loan origination, portfolio management, AI-powered workflow automation and exception tracking.

Media Contact
Cate Pitts, Editorial Director
Cornerstone Advisors
480-425-5203
424179@email4pr.com

View original content to download multimedia:https://www.prnewswire.com/news-releases/new-cornerstone-advisors-research-reveals-community-banks-are-ceding-a-106-billion-consumer-lending-opportunity-302899390.html

SOURCE Cornerstone Advisors

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Itibari-Waynne & Partners (IWP) and VYRE Activate Partnership with Exclusive Content for VBNGtv

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October 6, 2026

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First Projects Announced: ‘The Plug’ and Season Two of ‘self!’ as IWP prepares to open in early 2027

LOS ANGELES, Oct. 6, 2026 /PRNewswire/ — Itibari-Waynne & Partners (IWP), the agentic financing platform for creator-led projects, and VYRE Network are kicking off their partnership with the launch of content created exclusively for VYRE Business News Global (VBNGtv), VYRE’s free streaming business channel.

With IWP officially opening for business in the first quarter of 2027, they are inviting creators, investors, lenders, vendors and apprentices to get a headstart where projects meet capital right now. Join their “Reserve Your Spot Today!” campaign today and Plug In to gain first access to funding.

“When we announced this partnership, the goal was to bring capital and content together on one network. Today that becomes real,” said David Hill, CEO of VYRE Network. “VBNGtv viewers get exclusive programming about business and capital, and creators get a direct line to IWP’s financing platform.”

‘The Plug’: First Proven Project

Debuting this fall, ‘The Plug’ is a video podcast series hosted by Grammy Award-winning producer Bruce Waynne, Founder and CEO of IWP, and Itibari Zulu, President of IWP and Chief Investment Officer of VYRE. It features long-form conversations with entrepreneurs, financiers, investors and entertainers about access to capital, ownership and building a company.

Named after PLUG, IWP’s dedicated funding agent, the series puts IWP’s model in front of the audience it serves: creators seeking funding, investors and lenders seeking vetted deals, and vendors and apprentices seeking funded work.

‘The Plug’ is also the first project financed under IWP’s model and serves as its proof of concept. The model layers risk protection with identifiable repayment sources; depending on the transaction, up to 80% of financing may be supported by insurance-backed credit enhancements, government incentives, tax credits, minimum guarantees, presales and distribution commitments.

‘self!’: IWP Helps Fund Second Season

IWP is contributing funding for Season Two of the successful VBNGtv original series, ‘self!’ which stands for Self-Empowerment Lessons Flourished. The recorded presentation-style talks provide an open-door look at how influential business leaders have elevated their companies to the next level.

The highest viewed episode from the first season featured a candid account from Itibari Zulu, who reveals how he found motivation and transformed it into a successful career in the financial services industry for over two decades. Watch this ‘self!’ episode now: ‘Itibari Zulu – Understanding the 4 Phases in Business’ 

“‘self!’ gave me the chance to share my story,” adds Zulu. “Season Two is about helping more people tell theirs, and that’s what IWP was built to do: put capital behind the people doing the work.”

Both ‘The Plug’ and ‘self!’ can be streamed for free at VBNGtv.com, the VYRE app, and on Roku, Amazon Fire TV, Apple TV, Samsung and LG Smart TVs, iOS and Android.

About IWP
IWP is an agentic financing platform that provides the infrastructure layer for entrepreneurs, powered by PLUG, its dedicated funding agent. www.iwp.fund

About VBNGtv
VBNGtv is a capital markets media engine and global streaming business channel showcasing small-cap and micro-cap companies, business leaders and brand partners.

About VYRE Network
VYRE is a vertically integrated media and entertainment technology company that helps creators, studios and brands distribute, finance, market and monetize premium content worldwide.

Media Contact:
Tammy Lynn, Spotlight PR Company
310-867-1952 / 424183@email4pr.com 

View original content to download multimedia:https://www.prnewswire.com/news-releases/itibari-waynne–partners-iwp-and-vyre-activate-partnership-with-exclusive-content-for-vbngtv-302899709.html

SOURCE Itibari-Waynne & Partners (IWP)

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