Consumer deposit fee trends reversed course in the first quarter as larger banks that had been shrinking fees expanded them and smaller banks with higher reliance pulled back.

There has been a lot of change in market sentiment in the first half of 2025.

After a little more than two years and 525 basis points-worth of rate hikes, the Federal Reserve has started to signal that rate cuts are on the horizon.

As loan-related asset quality problems occurred during the 2008 financial crisis, many institutions were left in a less-than-desirable liquidity position.

Well . . . at least not in real time.

When facing a loan default, the fundamental question for lenders is whether to exercise their remedies against the borrower and/or guarantors (collectively, “obligors”) or to pursue a settlement (workout).