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…
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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…
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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.