Journal Article
Small-Business Lending Languishes as Community Banking Weakens
Reichow, Kelsey (2017-02)
Community banks are key providers of loans to small businesses, which are important contributors to the local economy and international trade. While regulatory burden on small banks and its impact on lending has received attention, it is difficult to isolate the most significant driver of sluggish small-business lending.
Economic Letter , Volume 12 , Issue 3 , Pages 1-4

Journal Article
Eleventh District Banks Have Performed Well Despite Rising Funding Costs, Nonbank Competition
Chapel, Amy; Reichow, Kelsey (2019)
Profitability picked up for Eleventh District banks in 2018 despite rising funding costs and slowing loan growth. Overall asset quality strengthened, though room for further improvement may be limited. Changes in capital regulation could affect bank risk taking.
Southwest Economy , Issue Second Quarter , Pages 11-15

Journal Article
Mexico’s ‘SOFOM’ Finance Firms Attempt to Broaden Loan Availability
Reichow, Kelsey; Perez, Michael (2017-10)
The market presence of Mexican finance companies known as SOFOMES has expanded rapidly since the global financial crisis. The firms largely operate as independent outlets and provide financing to small- and medium-sized companies as well as to consumers for larger purchases. Authorities see SOFOMES as a way to expand credit to Mexico?s informal economy.
Southwest Economy , Issue Q4 , Pages 14-17

Journal Article
Texas Banking Conditions Improve, but Risks and Uncertainty Remain
Reichow, Kelsey (2018-04)
Banks in the Eleventh District, benefiting from a rebounding energy sector and strong regional and national economies, are poised to do well through the remainder of 2018. Asset growth has been solid, though concentrations in commercial real estate loan portfolios bear watching as do limited new bank formations.
Southwest Economy , Issue Q2 , Pages 10-14