Smaller US banks hold over half of CRE loans

Lenders under $50bn in assets reported record $1.7 trillion of exposures at end-2023

More than half of commercial real estate (CRE) loans reported in the US is held by banks with less than $50 billion in assets, Risk Quantum analysis of regulatory filings shows. This proportion has remained steady throughout the US Federal Reserve’s tightening cycle that began two years ago, amid concerns on borrowers’ repayment ability.

Bank entities below that threshold, numbering just under 4,600, collectively held $1.68 trillion of CRE loans as of end-2023. This reflects a 9.4% increase

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