Credit quality

Credit outlook brightens, but recovery hinges on vaccinations: ABA


Bank economists predict further improvement in the quality and availability of consumer and business credit now that a third stimulus package has been approved. Still, COVID-19 vaccine distribution will determine how quickly the U.S. economy rebounds.



Regional banks wonder: When’s the right time to release loss reserves?


M&T Bank, Citizens Financial and Huntington Bancshares are playing it safe even as some of their counterparts have started to trim allowances in response to government stimulus efforts and rapid progress in the rollout of the coronavirus vaccine.


How the pandemic has changed small banks' views of CRE


Community banks, which for years have relied heavily on commercial real estate lending, have been tightening underwriting standards, conducting more-frequent loan reviews and stepping back from certain subsectors to minimize their credit exposure.