Bank Analysis School - September 2023

Internal Use Only

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%)

Internal Use Only

What do you think is the riskiest loan category? (Zoom poll)