IntraFi的动态

CU loan growth has slowed significantly in 2024 and will likely remain slow through 2025, although there is a potential lending growth opportunity as banks tighten underwriting , according to TruStage’s June Trends Report. Here are the latest findings, plus additional forecasts. https://lnkd.in/dDPQxMgk

Banks are pulling out of credit facilities to put cash back on their balance sheets. This is happening across all industries; lending standards are tightening as banks reduce exposure. We can help.

Here is the problem! Regional banks own a significant amount of Commercial Real Estate loans relative to their loan portfolios. They are becoming more restrictive on overall lending because they do not have the capital. So, combine their lack of supply (liquidity) and the increased cost of borrowing (interest rates have surged); a perfect storm has been created for them and their customers. As businesses (YOUR CUSTOMERS) try to roll over their credit lines they are paying much higher interest rates and that's if they can get them approved at all. Are you comfortable with your customers ability to pay you? Did you know you can insure that risk? Lets have a conversation. #creditinsurance #credit #creditrisk

As US economic data outperforms most expectations, why are banks not lending? The simple answer is the collision course of FED tightening while CRE delinquencies skyrocket. The timing could not be worse. The FT's article provides some great data: -delinquency rate of loans tied to offices, malls, and other commercial RE doubled in a year from $11.2Bn to $24.3Bn. -the impact...US banks delinquent loan reserves have been slashed from $2.20 for every delinquent dollar to $1.40. Accessing bank financing will only get tougher as 2024 evolves. If you need $5 - $100MM to finance fixed assets, OY6 has your six. #bankrates #privatecredit #veteranowned https://lnkd.in/gjAqyxER

Looks like 2024 financing for large projects and equipment will be much tougher as the banks continue to face headwinds. However, companies still need to get upcoming expansions and upgrades fulfilled. If this sounds like something that could impact your business, reach out to hear how Nexseer Capital can stretch your CAPEX budget much further. #Capex #EquipmentFinancing #BankingTurmoil

The 4,026 or so FDIC-insured commercial banks held $2.4 trillion of CRE loans at the end of 2023, according to FDIC data, amounting to roughly 10% of their total assets of $23.7 trillion. So banks hold a little less than half of CRE loans.

Also because of the stress in commercial real estate right now, banks continue to pull back on new issuance to the sector. Year-over-year CRE loan growth across U.S. banks slowed to 2.2% in the second quarter, compared to 2.9% the prior quarter and down substantially from a recent peak of 12.1% in the third quarter of 2022

From Visual Capitalist: The six largest U.S. banks saw delinquent commercial property loans nearly triple to?$9.3 billion?in 2023 amid high vacancy rates and increasing borrowing costs. Today, the sector is facing greater scrutiny from regulators amid growing risks to bank stability. In fact, for almost half of all U.S. banks, commercial real estate debt is the largest loan category overall. While commercial loans are more heavily concentrated in small U.S. banks, several major financial institutions have amassed significant commercial loan portfolios. The graphic shows the commercial real estate exposure of the top U.S. banks, based on data from?UBS?as of Q3 2023.

Still to be determined - what impact commercial real estate will have on the overall economy and is "extend and pretend" masking a bigger problem? "CRE loans, totaling approximately $3.5 trillion as of October 2023, represent a substantial portion of the U.S. banking sector’s assets. Of this amount, $2.7 trillion is held by commercial banks, accounting for 25% of their total loan portfolio and 13% of their assets. The concentration of these loans varies significantly among banks, with regional and smaller banks generally having higher exposure. The $1.7 trillion of CRE loans maturing over the next two years, combined with $35 billion in past due or non-accrual loans reported by the FDIC, does present a concern. This situation is exacerbated by reports of banks engaging in short sales, where properties are sold for less than the outstanding mortgage amount. These factors contribute to the perception of a potential “time bomb” in the U.S. financial system..." https://lnkd.in/eMxgjcK4

An interesting post by American Banker shows the top 20 banks with the largest CRE loan volumes in 2023. It provides some interesting insights and observations. 1) JP Morgan Chase and Wells Fargo dominate in terms of CRE loan volume, but their CRE loans make up a smaller proportion of their total loans and assets compared to smaller banks like Bank OZK and Flagstar Bank. 2) Bank OZK stands out with the highest proportion of CRE loans relative to both total loans and assets, as well as the highest leverage ratio, which may indicate higher risk exposure. 3) BMO and First Citizens Bank experienced significant YOY growth in CRE loans, while KeyBank and Truist Bank saw notable declines. 4) Citibank has the lowest proportion of CRE loans relative to total loans and assets, suggesting a more diversified loan portfolio. In summary, larger banks like JP Morgan Chase, Wells Fargo, and Bank of America have the highest CRE loan volumes but maintain more diversified portfolios, with CRE loans making up a smaller proportion of their total loans and assets. Smaller banks, particularly Bank OZK and Flagstar Bank, have a higher concentration of CRE loans and higher leverage ratios, potentially indicating greater risk exposure. Worth a read folks: https://lnkd.in/eW6Ts4E4