Key insight: Regulators’ proposed changes to the definition of a commitment could eliminate the standard banks have used since the ’80s to determine which lending arrangements are in scope. What’s at stake: The change could pull wholesale products like small-business lines of credit into a category that might increase capital requirements for large banks, and […]
Banks have ‘commitment’ issues with the new Basel proposal Read More »
Key takeaway: Less than two years after acquiring six Houston-area branches, MidFirst Bank is deepening its Texas footprint with a deal for a Dallas community bank. Supporting data: Dallas’ population grew 11% between 2020 and 2025, boosting its attraction for banks. Expert quote: “Dallas Capital Bank has built exactly the kind of relationship-focused culture that
Dallas’ allure to out-of-state banks remains strong Read More »
As the feedback period for the latest Basel proposal nears, some experts predict a key concern for nondepository home mortgage lenders will be the increased credit conversion factor for warehouse line commitments that aren’t unconditionally cancelable. Processing Content Proposed changes that may in some cases raise the CCF to 40% for warehouse lines could discourage
What early mortgage feedback has been like for Basel Read More »