Independent Banker - January 2022 - 31

product instead of multiple lines with
different providers.
Potential headwinds ahead
Lenders are continuing to watch
possible challenges ahead that could
affect borrower demand in the coming
year, including higher interest rates,
inflation, labor shortages, supply
chain issues and rising fuel prices. In
its September 2021 meeting, the Fed
held benchmark interest rates near
zero. However, it also indicated that
rate hikes could be coming sooner
than expected, with the first rate hike
likely to occur this year, versus 2023.
" Any time rates move up, there
is certainly a psychological impact
to the consumer, certainly within
the mortgage business, as well as
some real estate projects, " says
Jeffrey A. Kesler, Dallas-Fort Worth
president at $9.5 billion-asset
Veritex Community Bank in Dallas.
" I think with moderate increases,
that psychological aspect will be
overcome given the fact that rates
are at historically all-time lows.
So, a lot of projects still pencil out
economically, even with a little bit of
rate movement. "
Rising inflation could pose a risk
to lending activity, as higher costs
for construction materials and labor
could negatively affect the feasibility
of some projects, he adds.
Another issue for community bank
lenders in 2022 will be increased
competition. There are a lot of banks
with massive liquidity that reported
flat or even negative growth last year.
" They are going to come back to
the market across all lending types, "
says Kesler, " and they're going to
work to build their pipelines and
grow again. " ƒ
Beth Mattson-Teig is a writer
in Minnesota.
Closing SBA loans
keeps doors open.
Small businesses count on your expertise.
You can count on ours.
Your customers have never needed capital more
than they do right now. Plus you need to offset
narrowing margins by increasing noninterest fee
income. SBA/USDA lending is the perfect answer.
And ICBA recommends just one provider to make
the process hassle-free: Holtmeyer & Monson.
Give customers exactly what they need, at no
net cost to your bank.
Call 800.340.7304 to start
www.holtandmon.com

http://www.holtandmon.com

Independent Banker - January 2022

Table of Contents for the Digital Edition of Independent Banker - January 2022

Table of Contents
Independent Banker - January 2022 - Cover1
Independent Banker - January 2022 - Cover2
Independent Banker - January 2022 - Table of Contents
Independent Banker - January 2022 - 2
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