Independent Banker - July 2021 - 21

ICS and CDARS
have new names.
®
®
CDARS and ICS
deposit solutions
are now IntraFi
®
Network Deposits .
SM
" We are very bullish on the opportunities and
prospects we see [in Texas] and in the community
bank space. So, we anticipate another strong year. "
-JEFFREY KESLER, VERITEX COMMUNITY BANK
And all of our
funding products
are now called
IntraFi Funding .
®
SM
bank's executive vice president of
commercial real estate.
Both lenders and borrowers are
returning to the market. " The supply
and demand for commercial real
estate lending, on both sides, has fully
opened back up, " Williamson says.
" There is an enormous amount of
liquidity in the banking system and
interest in lending to commercial
real estate, and then there are a lot of
developers that are excited about job
growth and population growth and
the expected continued opening up of
the economy. "
Borrower demand could continue
to accelerate more rapidly in the
second half of 2021 along with the
strengthening economy. Recovery
after a worldwide public health crisis
could look much diff erent than that
after the Great Recession.
" Commercial real estate metrics
pre-COVID were really strong in
comparison with the last fi nancial
crisis, which was caused really by
loose underwriting standards and
aggressive lending across the board, "
Rowley says. " So, the impact to the
commercial real estate industry is
vastly diff erent. "
Regulators have been more
accommodating than they were in
2009 to 2011, allowing banks to
work with troubled debt borrowers
on solutions and not requiring them
to set aside reserves and mark down
loans right away, Cole says. " The
question is whether they will continue
to be accommodating, " he adds. 
Beth Mattson-Teig is a writer
in Minnesota.
IntraFi Network Deposits
can help your institution
manage its balance sheet
and provide its customers
with access to millions in
FDIC insurance.
CRE activity in 2020
$441.5
billion
The volume of commercial
and multifamily mortgage
originations
26%
The drop from 2019's
record $601 billion
$272 billion
of the total mortgage
origination volume consisted
of multifamily mortgages,
the most active sector
Source: Mortgage Bankers Association report,
April 15, 2021
Use of IntraFi Network Deposits and IntraFi
Funding are subject to the terms, conditions, and
disclosures set forth in the applicable program
agreements, including the IntraFi Participating
Institution Agreement. Network Deposits, IntraFi
Funding, and the IntraFi hexagon are service
marks, and IntraFi, ICS, and CDARS are
registered service marks, of IntraFi Network LLC.
Same great products.
New names.
IntraFi.com
And, we still offer our full
range of wholesale
funding solutions. IntraFi
Funding offers flexible
funding solutions to help
banks of all sizes meet
planned or unexpected
needs, regardless of their
liquidity position.
http://www.IntraFi.com
Independent Banker - July 2021

Table of Contents for the Digital Edition of Independent Banker - July 2021
