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Introduction

Category: Commercial Real Estate

Category: Commercial Real Estate

Loans: a Bank’s Best Asset, Until They’re Not

Posted on: January 11, 2021 January 12, 2021 Written by: BauerFinancial
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…
Continue reading “Loans: a Bank’s Best Asset, Until They’re Not”…

Diversify, Diversify, Diversify

Posted on: October 19, 2020 October 19, 2020 Written by: BauerFinancial
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…
Continue reading “Diversify, Diversify, Diversify”…
Bankruptcy and Store Closings

Changing Habits, Closing Stores

Posted on: October 5, 2020 December 6, 2020 Written by: BauerFinancial
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,…
Continue reading “Changing Habits, Closing Stores”…
Multi Family Real Estate

No Bust Yet in Multi-Family Real Estate

Posted on: August 3, 2020 August 4, 2020 Written by: BauerFinancial
Last week we promised a closer look at multi-family (5 or more) residential real estate. To that end, the 50 banks with the most exposure to multi family home loans (as a percent of total loans) can be found on…
Continue reading “No Bust Yet in Multi-Family Real Estate”…

Commercial Real Estate Under the Spotlight

Posted on: July 27, 2020 July 27, 2020 Written by: BauerFinancial
In the current environment of high unemployment and moratoriums on foreclosures and evictions, we will be delving deeply into the aspects of Commercial Real Estate (CRE). CRE loans are comprised of multifamily (five or more) residential real estate, office buildings,…
Continue reading “Commercial Real Estate Under the Spotlight”…

We’re All Afraid of Ghost Malls

Posted on: April 21, 2020 April 21, 2020 Written by: BauerFinancial
Commercial Real Estate (CRE)  loans are comprised of multifamily (five or more)  residential real estate, office buildings, shopping malls and most other structures that house businesses. All of which expanded along with the economy over the past several years. And…
Continue reading “We’re All Afraid of Ghost Malls”…
Commercial Real Estate

CRE: the Next Problem

Posted on: January 13, 2020 January 13, 2020 Written by: BauerFinancial
  Commercial Real Estate: the Next Challenge? After considerable contraction after the 2008 crisis, Commercial Real  Estate (CRE) lending began growing again in earnest in 2013, then began to slow down again in 2015. It continued to slow until 2019.…
Continue reading “CRE: the Next Problem”…

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Bank and Credit Union data compiled from financial data for the period noted, as reported to federal regulators. The financial data obtained from these sources is consistently reliable, although; the accuracy and completeness of the data cannot be guaranteed by BauerFinancial, Inc. BauerFinancial relies upon this data in its judgment and in rendering its opinion (e.g. determination of star ratings) as well as supplying the data fields incorporated herein. BauerFinancial, Inc. is not a financial advisor; it is an independent bank research firm. BauerFinancial is a registered trademark. Any unauthorized use of its content, logos, name, and/or Star-ratings is forbidden.

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