Remove banker-to-banker-sign-up
article thumbnail

Commercial Credit Trends – Where to Tread Carefully

South State Correspondent

This data is critical for pricing, capital allocation, and marketing. In 2021, we published articles warning bankers against higher rates (for example, HERE ) and the resulting impact on credit. We have seen the higher rates, and now bankers should brace for a credit shock. Lending is getting riskier. This quarter, it is 2.58%.

Trends 195
article thumbnail

Accounting About-Face

Independent Banker

She explained why lawmakers should exempt community banks from Basel III capital rule. Community bankers score big changes in final credit-loss standard. Connecticut headquarters. Senate Banking Committee. By James Kendrick. The positive effect of these improvements on the CECL standard cannot be overstated. Grassroots gains.