Journal Article
Banking Trends: Skin in the Game in the CMBS Market
DiSalvo, James; Johnston, Ryan (2018-01)
Issuers of commercial mortgage-backed securities must now retain a portion on their own books. What evidence is there that the rule will reduce risky lending?
Banking Trends , Issue Q1 , Pages 11-17

Journal Article
Credit Unions’ Expanding Footprint, Is there any evidence new rules could cause small banks to lose market share to credit unions?
DiSalvo, James; Johnston, Ryan (2017-01)
One of the main banking stories of the past 25 years has been the dramatic growth of large banks. Less well known is that credit unions have been expanding their market share during this time, too, especially after membership criteria were relaxed in 1998. While credit unions have been increasing their market share, small banks? market share has declined. And now, legal changes that took effect in January 2017 expanded credit unions? capacity to make loans to commercial customers, raising further concern among small banks that they might lose ground to credit unions
Banking Trends , Issue Q1 , Pages 17-23

Journal Article
Measuring Cov-Lite Right
Yu, Edison (2018)
More business loans today lack traditional covenants governing borrowers. Does that leave banks with fewer tools to ward off default?
Banking Trends , Issue 3 , Pages 1-8

Journal Article
Banking Trends Discrimination in Mortgage Markets
Yu, Edison (2022-03-24)
Automated underwriting may reduce but likely does not end discrimination against racial minorities.
Banking Trends , Volume 7 , Issue 1 , Pages 2-8

Journal Article
Banking Trends: The Growing Role of CRE Lending
DiSalvo, James; Johnston, Ryan (2016-07)
Commercial real estate has grown dramatically as a share of U.S. economic activity and is banks? largest lending category, particularly for small and midsize banks. It is also the riskiest part of bank portfolios. James DiSalvo and Ryan Johnston provide a primer. First in a series.
Banking Trends , Issue Q3 , Pages 15-21

Journal Article
Do Stress Tests Reduce Credit Growth?
Yu, Edison (2020-03-10)
Stress tests are supposed to ensure your access to credit during the next downturn, but some critics claim that they also limit your access to credit today. We test that theory.
Banking Trends , Volume 5 , Issue 1 , Pages 1-7

Journal Article
Banking Trends: Is Small-Business Lending Local?
DiSalvo, James (2021-09-09)
Although large banks dominate the market for small-business loans, a local presence still matters
Banking Trends , Volume 6 , Issue 3 , Pages 18-24

Journal Article
How Dodd–Frank affects small bank costs
DiSalvo, James; Johnston, Ryan (2016-01)
Do stricter regulations enacted since the financial crisis pose a significant burden?
Banking Trends , Issue Q1 , Pages 1-6

Journal Article
Banking Trends: How and Why Bank Capital Ratios Change Over the Business Cycle
Elliott, PJ (2021-03-15)
Small-bank and large-bank capital ratios behave quite differently. To under-stand the difference, look at the data.
Banking Trends

Journal Article
Banking Trends Regulatory Changes and Community Banks During COVID
Elliott, PJ (2022-11-10)
Small banks that received capital relief appear to have been more resilient.
Banking Trends