Credit quality

Certain loan segments are showing signs of deterioration, but consumer lending and digital banking are bright spots. Meanwhile, bankers are eyeing opportunities to improve efficiency, add scale and take advantage of M&A disruption. Here's what to expect from smaller regionals in the year ahead.

Nonbanks hold a disproportionate percentage of the worst-rated loans, but banks hold a majority of the market, and risk management safeguards are largely untested, according to an interagency report on shared national credit.

The Los Angeles company set aside more money to cover a problem loan after an updated appraisal of the credit's collateral.

The largest bank in Puerto Rico said hundreds of millions of dollars of its mortgages and consumer loans are tied to the parts of the island hit by the recent quake or still recovering from two hurricanes.

Shares of Discover Financial Services slumped the most in more than a decade after credit card lender warned that it will spend more on marketing and technology, including to beef up collections on troubled debt.

The credit card lender has seen problem loans spike since it introduced a feature that lets at-risk customers restructure loans through its online and mobile channels.

Franklin Financial agreed to be sold less than a year after issues surfaced in its portfolio of shared national credits.

The Dallas bank’s troubled energy loans reached a nearly two-year high as crude prices plummeted.

The Arkansas bank is bracing for a rough 2020 amid record prepayments and a big substandard loan in its commercial real estate book, but CEO George Gleason insists shareholders will see "a nice payoff" in the long run.

Regulators are beginning to recognize the importance of using alternative data to provide credit for the underbanked. Now is the time to expand its use across the industry.