Independent Banker - November 2017 - 61

sector because of its location. " All of
the Miami business and community
leaders that I encounter feel optimistic
about continued growth, " he says.
Profiting from pullbacks
Though regulators have recently
taken a harder line on banks with
high concentrations of CRE loans
in order to limit potential issues,
it can be an advantage to those
community banks that continue to
offer them. Select Bank in Forest, Va.,
is benefi ting from the fact that large
banks in its market are limiting their
exposure to CRE loans. The $195
million-asset bank has noticed that a
large part of the new CRE business is
coming from clients of large national
and regional banks-business it is
thrilled to take on.
" There are good clients, with
good credit metrics, " says J. Michael
Thomas, Select Bank's CEO.
" We're happy to bank those types
of customers. "
Looking ahead, cautious optimism
seems to be the prevailing
mood among community bankers
14.5%
CRE loans as a percentage
of all bank loans as of
June 30, 2017
surrounding CRE loans, particularly
in major cities where the property
markets have held up reasonably well.
While there has been a decrease in
commercial real estate sales activity
and leasing, signifi cant refi nancing
activity has balanced things out, says
Ed Lombardo, a commercial real
estate loan offi cer at Quontic Bank, a
$500 million-asset community bank
in New York City. Lombardo adds that
several economic factors could affect
refi nancing activity, including potential
tax reforms, interest-rate hikes
and general economic growth.
Cheryl Winokur Munk is a writer in
New Jersey.

Independent Banker - November 2017

Table of Contents for the Digital Edition of Independent Banker - November 2017

Table of Contents
Independent Banker - November 2017 - Intro
Independent Banker - November 2017 - Cover1
Independent Banker - November 2017 - Cover2
Independent Banker - November 2017 - Table of Contents
Independent Banker - November 2017 - 2
Independent Banker - November 2017 - 3
Independent Banker - November 2017 - 4
Independent Banker - November 2017 - 5
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