loans

Some lenders surveyed by the Federal Reserve recently reported that they’ve been noticing a pickup in delinquencies, as higher costs burden both families and businesses.

While big banks reported blockbuster quarters driven by trading revenue and investment fees, regional lenders — which focus on traditional deposit-taking and lending — are about to give a different read on the economy.

The CEO of JPMorgan Chase articulated his biggest concerns for the economy in an annual shareholder letter.

An informal economic indicator from inside a pawn shop.

Big banks have been reducing their exposure to CRE, which is still grappling with high vacancy rates.

The CDFI fund supports mission-driven lenders operating in rural, tribal, and otherwise underserved parts of the country. Last year, it awarded over $400 million to those institutions. 

If the economy goes south, it could affect the ability of working people to continue making payments. And that could affect the banks’ bottom lines.

According to the August Beige Book, nearly every district reported a modest rise in demand for loans.

Foreign investors would also pull their money out of the U.S.

Bankers are becoming concerned about some borrowers' ability to repay. As a result, many are taking a harder look at the loans they make.