small banks

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.

A new study from the University of Iowa found that China’s entry into the World Trade Organization has had long-lasting effects on local U.S. banks.

Many are struggling with high deposit rates and shaky commercial real estate portfolios. Some seek to bulk up as a solution.

Pressure to keep more capital puts constraints on banks, says Laurie Stewart of Sound Community in Seattle.

Main Street banks, often more diversified and risk-averse than Wall Street banks, are largely shrugging off First Republic’s meltdown.

The failures of Silicon Valley Bank and Signature Bank had a lot of depositors worried about their own banks. While many moved their depositors to bigger institutions, bank deposits have been trending downward overall.

Banks may get stingier and more selective with loans, and that could hurt businesses that need them.

In Southern California and South Carolina, businesses are looking for loans. But in the Midwest, owners are hesitant to borrow.

A new report from the Federal Deposit Insurance Corp. finds bankers are increasing the money they set aside for bad loans.

The arrangement would allow minority-owned lenders to take PPP loans off of their balance sheets.