Diversify, Diversify, Diversify
We have been focusing quite a bit lately on commercial real estate (CRE) ghost malls and the like, and with good reason. But, imagine a scenario where a bank had 56% of its loans in CRE and another 26% in…
The Majority of the Minority
According to the U.S. Census Bureau, Asian Americans and Pacific Islanders constitute about 6% of the U.S. population. They also control half of the nation’s minority owned banks. Most of these banks have strong ratings and histories, which is good…
Changing Habits, Closing Stores
As the nation’s bank rating firm, it’s Bauer’s job to stay on top of things like Commercial Real Estate (CRE). While not automatically a sign of impending trouble, too much of anything (i.e. concentration in one type, growth, bad loans,…