Last week we reported on U.S. banks with robust Commercial & Industrial (C&I) loan growth during calendar 2021. In spite of the winding down of the Paycheck Protection Program (PPP), we found 51 established C&I lenders with at least 35%…
Category: Commercial & Industrial loans
Signs of Life in C&I Lending, Will it Last?
We saw a glimmer of hope in the fourth quarter ’21 data that perhaps a resurgence of commercial and industrial (C&I) loan demand was on its way. Nearly a third of all U.S. banks increased their C&I loan portfolios during…
C&I Lending Down 13% in Spite of PPP
A year ago (JRN 37:40), we took exception with United Bank of Philadelphia because 87% of its loan portfolio was tied to the success of small businesses (56% in Commercial Real Estate (CRE), 26% in Commercial & Industrial (C&I) +…
Lending a Helping Hand, Sometimes Means Lending.
Loan volumes at the nation’s community banks grew over 10% during 2020. And that’s no coincidence. With help from the Government’s Paycheck Protection Plan (PPP) Program, Commercial & Industrial (C&I) Loans accounted for more than two-thirds of that growth. But…
Loans: a Bank’s Best Asset, Until They’re Not
Although business models vary, the optimal loan to deposit ratio (LTD) at a bank is generally considered to be between 80% to 90%. At this level, the bank is lending sufficiently for its size, but not so much that its…