BAS Presentations - March 2023

Community Banks Lend for a Variety of Purposes

Percent of Gross Loans (12/31/2022) (State ‐ Chartered Community Banks)

30%

27%

24%

20%

16%

10%

7%

10%

6%

5%

3%

2%

1 ‐ 4 Family Farmland Construction Multifamily Non ‐ Farm Non ‐ Res.

Ag. Production Commercial

Consumer

All Other

Commercial Real Estate (33%)

Not Secured by Real Estate 30%)

Secured by Real Estate (70%)

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What do you think is the riskiest loan category?

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