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Risk Spotlight - Retail Lending

The CSBS Risk ID Team submits a quarterly Risk ID survey that asks several questions to identify risk areas for further review. Over the past year, Risk ID Team members nationwide have reported commercial real estate (CRE) retail lending (“retail lending”) is on the rise in their local banking markets.

Aug 13th, 2020

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Risk Reports
Brick and mortar consumer spending is keeping pace with e-commerce. Real estate lending to retail is expanding.
Risk Reports
A CURRENT REVIEW OF APPRAISER SHORTAGES IN RURAL COMMUNITIES & APPRAISAL STANDARDS State and federal bank regulatory agencies continue to evaluate the perceived shortage of state certified and licensed appraisers in certain areas across the country. Various industry stakeholders consistently note
Risk Reports
Over the past year, Risk ID Team members in certain states have reported that apartment vacancy rates are on the rise in their local rental markets. Key Findings The national vacancy rate provides little insight into regional economic conditions. Job numbers are key to vacancy rates. Strong job
Risk Reports
Commercial and Industrial (C&I) lending is at an all-time high, with nearly $2.1 trillion in loans to businesses currently on the books of US commercial banks. After taking a hit following the financial crisis, the aggregate level of commercial lending has increased by more than 35% since 2010.[1]
Risk Reports
The banking industry continued to exhibit signs of greater liquidity stress through the third quarter of 2016. However, the type of liquidity risks faced by banks seems to differ based on their size and business model. For instance, while small banks are showing signs of tighter on-balance sheet
Risk Reports
Key Findings The final quarter of 2016 closed out with an underscoring of trends that were discussed throughout the year. Chief among these trends is a persistent loosening of underwriting standards and generally more accommodative credit administration practices across most lending segments and
Risk Reports
Key Findings The third quarter discussions and survey results indicate that a continued focus on credit risk management practices and concentration risks is warranted and has continued across most regions. However, there are indications that liquidity levels are tightening. With this tightening
Risk Reports
The following are an archive of print-version Risk Spotlights from the CSBS Risk ID Team.
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