Commercial Banking News, Strategy & Risk Analysis
American Banker's commercial banking coverage explores how banks serve middle-market and corporate clients, focusing on issues such as interest-rate volatility, regulatory pressure, and intensifying competition for deposits and credit relationships. This section focuses on balance-sheet strategy, commercial lending, treasury and cash management, risk governance, and the technologies reshaping relationship banking.
Learn how institutions are recalibrating growth expectations, managing credit exposure, and using payments and treasury capabilities to deepen client relationships while preserving profitability.
Commercial banking is under structural pressure from higher funding costs, uneven loan demand, and increased supervisory scrutiny. Banks are being forced to prioritize relationship depth, disciplined credit selection, and non-interest income generation rather than balance-sheet expansion alone.
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Last year, the Cleveland bank stopped providing cards to government benefit recipients in the Prairie State. During the first quarter, it reported a 23.8% decline in noninterest income from cards and payment services.
April 21
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The Georgia bank warns that the one-two punch of rising inflation and supply-chain issues on its smaller commercial customers makes that asset class “something we would watch” for potential losses.
April 21
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Earnings and total loans fell in the first quarter at M&T, but the Buffalo, New York, bank offered a rosier forecast for the rest of 2022. The outlook anticipates a shot in the arm from the recent acquisition of People's United Financial.
April 20
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The Dallas bank reported an increase in energy loans for the first time in nearly three years, but executives don’t expect fossil-fuel lending to rebound to its previous highs.
April 20
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The bank has pivoted its commercial real estate operation as the rise of work-from-home arrangements has impacted market values. The only type of office space it's financing is Class-A buildings in major cities.
April 19
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Though noninterest income at Truist Financial fell in the first quarter, executives revised upward their revenue estimate for the year in anticipation that the Fed’s monetary-tightening plans will fatten margins. Citizens Financial and Fifth Third echoed that thinking.
April 19
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The New York custody banking giant took an eight-cent blow to its first-quarter earnings per share as a result of its retreat from the Russian market. Still, the company’s current estimate of the move’s ongoing impact is slightly smaller than its previous guidance.
April 18
