Navigating the 2026 Energy Shock: Credit Risk Implications and How SRA Consulting Can Help
Executive summary The 2026 Iran conflict has triggered a sharp rise in oil and gas prices, pushing Brent back above 100 dollars per barrel…
-
-
The Credit Normalization Handbook
Executive Credit Brief: What “Normalization” Means for 2026 Bottom Line:The widely anticipated post-pandemic credit collapse did not materialize. Instead, banks are entering a period…
-
From Defense to Offense: Key Takeaways from 4Q25 Regional Bank Earnings
By Amitabh Bhargava After a year defined by balance sheet optimization and defensive posturing, the narrative across the regional and community banking sector shifted…
-
3Q25 Bank Earnings Credit Risk Deep Dive: Shifting From Stability to Specifics
The 3Q25 earnings season confirmed that U.S. banks are moving from stability to specifics in credit risk management. Asset quality remains resilient, but normalization is accelerating beneath the surface.
Our analysis of earnings of 427 banks and earnings transcripts of 97 regional and community banks highlights rising sponsor reliance in CRE, margin compression in C&I, emerging NDFI exposures, and growing integration of fraud governance within credit oversight. The Great De-Averaging is here — and it’s redefining how risk is rated, managed, and priced.
-
Banking | Construction | CRE | Risk
Construction Lending in 2025: When Cost Uncertainty Meets Credit Risk
In the dynamic world of real estate finance, few sectors are as exposed to macroeconomic shifts as construction lending. A recent review of The…
-
Main Street Lending Program Wraps Up
A Midwest fitness chain with 400 employees and 10 locations faced collapse in 2020 as COVID closures erased membership revenue. A $10 million Main…
-
Beyond the Coastline: How Asheville’s Hurricane Helene Devastation Redefines Climate Risk for Inland Communities
The heartbreaking scenes from Asheville post-Hurricane Helene underscore a critical reality: climate risk isn’t just a coastal issue. Flooded businesses, crippled infrastructure, and residents…
