Commercial lending

Midwest banks resist urge to loosen lending standards


Even in the face of soft loan demand, banks in the region have held firm on terms. That should position them well for the next economic downturn.


Financial services 2025: The pursuit of a moving target that's moving faster


An examination of potential sources of upheaval for the financial industry and ideas on how to adapt.


UBS is latest to downgrade shares of big banks


Net interest margin pressure, modest loan growth and limited operating leverage could weigh on bank stocks in 2020, UBS analysts said.


Why the C&I slowdown is likely to persist in 2020


Political uncertainty, sector-specific concerns as well as interest rate and labor trends may continue to depress commercial and industrial lending in the coming months.


Why this bank is ditching Libor now


Lenders have until the end of 2021 to phase out their use of the London Interbank Offered Rate in setting interest rates, but ServisFirst Bancshares and its CEO Tom Broughton see little reason to wait when a replacement is already available.


Will CRA revamp stimulate lending in down-and-out neighborhoods?


The proposed changes laid out by banking regulators would clear up confusion about what qualifies for CRA credit within so-called Opportunity Zones. But not all community development advocates are convinced that the changes are for the better.


Labor shortage crimps demand for commercial loans, bankers say


Many business customers are putting off expansion because they can’t find enough workers to fill available jobs.


Community Banks with the Largest C&I Loan Portfolios


On Sep. 30, 2019. Dollars in thousands.


Community Banker of the Year: Morris Bank's Spence Mullis


Mullis has thrived as a traditional community banker, leading the redevelopment of historic buildings in a small, struggling Georgia town and successfully growing Morris Bank in a mostly rural market.


Threat of negative rates has banks setting floors on loans


Many lenders are establishing a firm bottom on variable interest rates amid intense competition for commercial credits, rising deposit costs and the possibility that the Fed could take rates to unprecedented lows.