With decreased spending opportunities due to the pandemic, consumers have lowered their expenses and continue to pay down debt. Unfortunately, this is making it difficult for banks and credit unions to support loan growth and earnings, which warrants the need to add loan growth through high-quality performing portfolios.
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Banks are tightening for commercial and consumer borrowers amid the coronavirus pandemic and continued economic uncertainty.
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Smaller banks have been a huge contributor to PPP loans over the past few months, but growth in balance sheets puts them over asset thresholds that would place them under greater scrutiny. But federal regulators are offering relief.
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With a COVID-19 vaccine on the horizon, the economy will likely improve as pent-up demand among consumers is released when restrictions are eased. This environment could drive inflation and interest rates up.
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