Commercial lending

The San Francisco company's quarterly earnings also reflected higher wealth management revenue.

Bank portfolios are chock full of loans to industries — think agriculture, tourism, real estate and energy — that could be particularly hard hit by warming temperatures. Some large banks are engaging in "scenario analysis" to mitigate the risk.

HarborOne Bancorp — led by James Blake, one of our five community bankers to watch in 2019 — is a former credit union that recently made its first bank acquisition and has Boston and other markets in its sights.

The online lender will roll out the business early next year with a focus on loans of less than $100,000.

The Financial Accounting Standards Board is requiring all companies to record leases for property and equipment on their balance sheets. Here’s how that revision could affect banks’ loan decisions — and their own capital ratios.