Independent Banker - April 2024 - 15
&RQVWUXFWLRQ
" We are certainly projecting
to do some new business in
2024 to replace what's going
to be rolling off, and we've
got our capital ratios back
right where we wanted. "
-PAUL PIROK, VERITEX COMMUNITY BANK
3URJUHVV ,QVSHFWLRQV
1DWLRQZLGH
(QKDQFH \RXU VHUYLFH
ZLWK UHOLDEOH IDVW
LQVSHFWLRQV JUHDW
SHUVRQDO VHUYLFH
QDWLRQZLGH
L
that once it introduces those new
customers to its platform, it'll get
a share of a sponsor's deposits and
treasury and technology associated
with those deposits.
" Several well-known, high-volume
CRE bank origination shops are out
of the market, " Norton says. " That is
obviously an opportune time to get
in with folks and unstick them from
their relationship banks. "
Improving liquidity ahead
On the supply side, the banking
industry generally has pulled back on
CRE lending for a variety of reasons,
including ripple eff ects from the
high-profi le bank failures last year
and concerns about problem loans on
offi ce properties. Another challenge
for banks is that existing CRE loans
are lingering on their books longer
than expected, causing some banks to
hit their lending limits for a particular
developer or property type.
Veritex Community Bank in
Dallas is one CRE lender that saw
very little new commercial real
estate loan production in 2023.
The $12.5 billion-asset community
bank lends to commercial real estate
developers that are active in the
Dallas and Houston metros, as well
as homebuilders across Texas. " That
was partially due to the [real estate]
market but really had more to do with
our capital ratios, " notes Paul Pirok,
senior managing director.
Although it is diffi cult to predict
lending volumes in the coming year,
Pirok anticipates that the bank's
lending activity will increase in 2024
as market liquidity improves. The
community bank saw the pace of
its loan payoff s pick up at the end
of 2023 and had some signifi cant
payoff s scheduled to occur in the fi rst
quarter. Investment sales activity is
expected to rise from the very low
levels seen in 2023, which will help
spur more loan payoff s.
" We are certainly projecting to do
some new business in 2024 to replace
what's going to be rolling off , and
we've got our capital ratios back right
where we wanted, " Pirok says. " So, I
see us gearing up midyear, or maybe
a little earlier and [cautiously] being
back in the market. "
Opportunities to make good loans
Banks that have capacity on
their balance sheets to lend do
see opportunities ahead to put
good-quality loans on their books that
are backed by more borrower equity.
Five years ago, $27.2 billion-asset
United Community was originating
loans where the sponsor was typically
putting in 25% equity. In some cases,
$FFXUDWH
4XDOLW\ &RQWURO
UHYLHZV IRU EHWWHU
DFFXUDF\
7LPHO\
)DVW VHUYLFH HTXDOV
KDSS\ FRQWUDFWRUV
(QJDJLQJ
2XU XQLTXH
FRPPXQLFDWLRQ ZLWK
VHUYLFHUV EXLOGHUV
JLYHV EHWWHU UHVXOWV
3HUVRQDO
http://leewayinspections.com/icba
Independent Banker - April 2024
Table of Contents for the Digital Edition of Independent Banker - April 2024
Contents
Independent Banker - April 2024 - Cover1
Independent Banker - April 2024 - Cover2
Independent Banker - April 2024 - Contents
Independent Banker - April 2024 - 2
Independent Banker - April 2024 - 3
Independent Banker - April 2024 - 4
Independent Banker - April 2024 - 5
Independent Banker - April 2024 - 6
Independent Banker - April 2024 - 7
Independent Banker - April 2024 - 8
Independent Banker - April 2024 - 9
Independent Banker - April 2024 - 10
Independent Banker - April 2024 - 11
Independent Banker - April 2024 - 12
Independent Banker - April 2024 - 13
Independent Banker - April 2024 - 14
Independent Banker - April 2024 - 15
Independent Banker - April 2024 - 16
Independent Banker - April 2024 - 17
Independent Banker - April 2024 - 18
Independent Banker - April 2024 - 19
Independent Banker - April 2024 - 20
Independent Banker - April 2024 - 21
Independent Banker - April 2024 - 22
Independent Banker - April 2024 - 23
Independent Banker - April 2024 - 24
Independent Banker - April 2024 - 25
Independent Banker - April 2024 - 26
Independent Banker - April 2024 - 27
Independent Banker - April 2024 - 28
Independent Banker - April 2024 - 29
Independent Banker - April 2024 - 30
Independent Banker - April 2024 - 31
Independent Banker - April 2024 - 32
Independent Banker - April 2024 - 33
Independent Banker - April 2024 - 34
Independent Banker - April 2024 - 35
Independent Banker - April 2024 - 36
Independent Banker - April 2024 - 37
Independent Banker - April 2024 - 38
Independent Banker - April 2024 - 39
Independent Banker - April 2024 - 40
Independent Banker - April 2024 - 41
Independent Banker - April 2024 - 42
Independent Banker - April 2024 - 43
Independent Banker - April 2024 - 44
Independent Banker - April 2024 - 45
Independent Banker - April 2024 - 46
Independent Banker - April 2024 - 47
Independent Banker - April 2024 - 48
Independent Banker - April 2024 - 49
Independent Banker - April 2024 - 50
Independent Banker - April 2024 - 51
Independent Banker - April 2024 - 52
Independent Banker - April 2024 - 53
Independent Banker - April 2024 - 54
Independent Banker - April 2024 - 55
Independent Banker - April 2024 - 56
Independent Banker - April 2024 - 57
Independent Banker - April 2024 - 58
Independent Banker - April 2024 - 59
Independent Banker - April 2024 - 60
Independent Banker - April 2024 - 61
Independent Banker - April 2024 - 62
Independent Banker - April 2024 - 63
Independent Banker - April 2024 - 64
Independent Banker - April 2024 - 65
Independent Banker - April 2024 - 66
Independent Banker - April 2024 - 67
Independent Banker - April 2024 - 68
Independent Banker - April 2024 - 69
Independent Banker - April 2024 - 70
Independent Banker - April 2024 - 71
Independent Banker - April 2024 - 72
Independent Banker - April 2024 - 73
Independent Banker - April 2024 - 74
Independent Banker - April 2024 - 75
Independent Banker - April 2024 - 76
Independent Banker - April 2024 - Cover3
Independent Banker - April 2024 - Cover4
https://www.nxtbook.com/mspc/independentbanker/october2024
https://www.nxtbook.com/mspc/independentbanker/september2024
https://www.nxtbook.com/mspc/independentbanker/august2024
https://www.nxtbook.com/mspc/independentbanker/july2024
https://www.nxtbook.com/mspc/independentbanker/june2024
https://www.nxtbook.com/mspc/independentbanker/may2024
https://www.nxtbook.com/mspc/independentbanker/april2024
https://www.nxtbook.com/mspc/independentbanker/march2024
https://www.nxtbook.com/mspc/independentbanker/february2024
https://www.nxtbook.com/mspc/independentbanker/january2024
https://www.nxtbook.com/mspc/independentbanker/december2023
https://www.nxtbook.com/mspc/independentbanker/november2023
https://www.nxtbook.com/mspc/independentbanker/october2023
https://www.nxtbook.com/mspc/independentbanker/september2023
https://www.nxtbook.com/mspc/independentbanker/august2023
https://www.nxtbook.com/mspc/independentbanker/july2023
https://www.nxtbook.com/mspc/independentbanker/june2023
https://www.nxtbook.com/mspc/independentbanker/may2023
https://www.nxtbook.com/mspc/independentbanker/april2023
https://www.nxtbook.com/mspc/independentbanker/march2023
https://www.nxtbook.com/mspc/independentbanker/february2023
https://www.nxtbook.com/mspc/independentbanker/january2023
https://www.nxtbook.com/mspc/independentbanker/december2022
https://www.nxtbook.com/mspc/independentbanker/november2022
https://www.nxtbook.com/mspc/independentbanker/october2022
https://www.nxtbook.com/mspc/independentbanker/september2022
https://www.nxtbook.com/mspc/independentbanker/august2022
https://www.nxtbook.com/mspc/independentbanker/july2022
https://www.nxtbook.com/mspc/independentbanker/june2022
https://www.nxtbook.com/mspc/independentbanker/may2022
https://www.nxtbook.com/mspc/independentbanker/april2022
https://www.nxtbook.com/mspc/independentbanker/march2022
https://www.nxtbook.com/mspc/independentbanker/february2022
https://www.nxtbook.com/mspc/independentbanker/january2022
https://www.nxtbook.com/mspc/independentbanker/december2021
https://www.nxtbook.com/mspc/independentbanker/november2021
https://www.nxtbook.com/mspc/independentbanker/october2021
https://www.nxtbook.com/mspc/independentbanker/september2021
https://www.nxtbook.com/mspc/independentbanker/august2021
https://www.nxtbook.com/mspc/independentbanker/july2021
https://www.nxtbook.com/mspc/independentbanker/june2021
https://www.nxtbook.com/mspc/independentbanker/may2021
https://www.nxtbook.com/mspc/independentbanker/april2021
https://www.nxtbook.com/mspc/independentbanker/march2021
https://www.nxtbook.com/mspc/independentbanker/february2021
https://www.nxtbook.com/mspc/independentbanker/january2021
https://www.nxtbook.com/mspc/independentbanker/december2020
https://www.nxtbook.com/mspc/independentbanker/november2020
https://www.nxtbook.com/mspc/independentbanker/october2020
https://www.nxtbook.com/mspc/independentbanker/september2020
https://www.nxtbook.com/mspc/independentbanker/august2020
https://www.nxtbook.com/mspc/independentbanker/july2020
https://www.nxtbook.com/mspc/independentbanker/june2020
https://www.nxtbook.com/mspc/independentbanker/may2020
https://www.nxtbook.com/mspc/independentbanker/april2020
https://www.nxtbook.com/mspc/independentbanker/march2020
https://www.nxtbook.com/mspc/independentbanker/february2020
https://www.nxtbook.com/mspc/independentbanker/january2020
https://www.nxtbook.com/mspc/independentbanker/december2019
https://www.nxtbook.com/mspc/independentbanker/november2019
https://www.nxtbook.com/mspc/independentbanker/october2019
https://www.nxtbook.com/mspc/independentbanker/september2019
https://www.nxtbook.com/mspc/independentbanker/august2019
https://www.nxtbook.com/mspc/independentbanker/july2019
https://www.nxtbook.com/mspc/independentbanker/june2019
https://www.nxtbook.com/mspc/independentbanker/may2019
https://www.nxtbook.com/mspc/independentbanker/april2019
https://www.nxtbook.com/mspc/independentbanker/march2019
https://www.nxtbook.com/mspc/independentbanker/february2019
https://www.nxtbook.com/mspc/independentbanker/january2019
https://www.nxtbook.com/mspc/independentbanker/december2018
https://www.nxtbook.com/mspc/independentbanker/november2018
https://www.nxtbook.com/mspc/independentbanker/october2018
https://www.nxtbook.com/mspc/independentbanker/september2018
https://www.nxtbook.com/mspc/independentbanker/august2018
https://www.nxtbook.com/mspc/independentbanker/july2018
https://www.nxtbook.com/mspc/independentbanker/june2018
https://www.nxtbook.com/mspc/independentbanker/may2018
https://www.nxtbook.com/mspc/independentbanker/april2018
https://www.nxtbook.com/mspc/independentbanker/march2018
https://www.nxtbook.com/mspc/independentbanker/february2018
https://www.nxtbook.com/mspc/independentbanker/january2018
https://www.nxtbook.com/mspc/independentbanker/december2017
https://www.nxtbook.com/mspc/independentbanker/november2017
https://www.nxtbook.com/mspc/independentbanker/october2017
https://www.nxtbook.com/mspc/independentbanker/september2017
https://www.nxtbook.com/mspc/independentbanker/august2017
https://www.nxtbook.com/mspc/independentbanker/july2017
https://www.nxtbook.com/mspc/independentbanker/june2017
https://www.nxtbook.com/mspc/independentbanker/may2017
https://www.nxtbook.com/mspc/independentbanker/april2017
https://www.nxtbookmedia.com