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Eleventh District banks hold fewer loans to non-banking firms compared with peers
Recent high-profile bankruptcies of firms relying on private credit financing have raised concerns that relatively opaque and riskier credit could hide broader systemic risk. Several banks announced asset write-downs from exposure to these bankruptcies.
Community Banks Play Important Role for Rural Eleventh District Communities
Many of the Eleventh District’s rural counties rely on community bank branches, particularly in Texas and Louisiana. These rural areas are important to the production and support of the cattle, agricultural and energy industries for the district, the U.S. and the world.
Innovation promises efficiencies in remittances, if regulation can keep up
As payments technologies evolve faster than the rules governing them, understanding both the mechanics and policy trade-offs of cross-border transfers is increasingly important.
Shift from utility to corporate financing for renewables presents risk
The increase in corporate power purchase agreements relative to utility PPAs means more opportunities for renewable energy developers, but it also presents higher counterparty and merchant tail risks for lenders involved in renewable energy project financing.
Community banks key to health, resilience of Eleventh District economy
There are fewer community banks in the Eleventh Federal Reserve District than a decade ago. But those that remain are larger due to ongoing consolidation, and among banks domiciled in the district, community banks still represent the largest segment by assets.
Low oil prices, local impact: Do depressed energy markets affect banks?
Oil prices have swung dramatically in recent years, shaped by geopolitical conflicts, evolving global demand and shifting energy policies.
Oil and gas industry shows discipline on capex, but risks remain
Oil and gas companies will likely maintain a conservative stance toward production growth, with continued focus on capital discipline and maintenance capex.
Keeping bank depositors still comes down to rates
How does a bank attract deposits and remain competitive when rates fluctuate and depositors are increasingly mobile? Managing the bank deposit franchise is a cornerstone of bank profitability and stability, and doing so has been challenging during the rapid rise in interest rates in 2022 and the subsequent regional banking turmoil.
Understanding discount window usage: Key drivers and early warning signals
In this study we take a closer look at discount window usage since the Fed began releasing public data with the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act in 2010.
Rig count no longer a reliable bellwether for risk in oil and gas services lending
For decades, commercial lenders relied on a simple rule when evaluating credit risk in oil and gas support services: follow the U.S. rig count. But a portfolio classification of oil and gas support services now encompasses businesses with radically different risk profiles.