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The Frost Feed: Market Intelligence

Commentary from Frost Investment Advisors | May 15 , 2023

Banks are Stingier and Inflation is Lurking

Bank Credit is Getting Hard to Come By

The latest Fed Senior Loan Officer Opinion Survey doesn’t make for cheerful reading. Bank lending standards tightened significantly and demand for loans plummeted. The constriction was greatest for construction loans and real estate (both nonresidential and multifamily), followed by commercial and industrial loans for businesses of all sizes. The last six times we experienced C&I tightening of this magnitude, we entered a recession. Banks’ willingness to make consumer loans has also fallen similarly. Demand for commercial real estate loans is currently at record lows.

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