regional banks

Midsize companies have been taking out lots of loans from regional banks, but rising rates could squeeze them as they refinance loans they took out during the pandemic.

Bank consolidation has been happening for decades, and its pace has sped up in recent years. Borrowers and depositors are experiencing a number of side-effects.

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.

It’s probably a net loss for customers. But more mergers are expected.

Two regional banks filed lawsuits claiming they were the victim of loan fraud this week. Still, most regional banks are doing well — mainly thanks to commercial real estate lending.

Hint: a more relaxed regulatory environment.

Some types of CRE are hurting more than others. A steep downturn could cause pain to regional banks as well as property owners.

Laurie Stewart of Sound Community Bank is confident a year after three banks failed, but credit risk and cyber threats are on her radar.

A report from Moody’s Analytics finds there’s trouble ahead, but it’s more nuanced than a banking collapse due to empty offices.

A significant portion of NYCB’s $252 million in losses last quarter came from losses on commercial real estate loans–a revenue source for other regional banks as well.