We were recently collaborating with a community banker who was trying to win a relationship client from a regional bank. The issue was that the incumbent bank was pricing this client at a credit spread of 1.25% over SOFR and our client banker was told that his bank would not accept less than 2.40% credit...

In our previous article (HERE) we discussed differences between how various banks price commercial loans. We contrasted ideal pricing and real-world pricing strategies employed by banks. We highlighted the objectives of loan pricing and summarized seven tools that community banks can use to price commercial loan relationships. In this article, we would like to further...

Despite higher inflation/energy, greater volatility and lower projected debt service coverage, banks drove loan growth tightening pricing for investor-owned properties but widening pricing for C&I. In this article, we will break down detailed 2026 commercial loan pricing data and highlight both trends and insights into 2Q. As we reported last week in our credit outlook...