Independent Banker - January 2025 - 21
Next: Keep an eye on incoming 2025 regulations
" Our ag customers have generally
been doing fairly well this year, " says
Crowley. Since operating lines are such
an important part of ag producers'
operations, he adds, " as short-term
rates come down, that will really
help them a lot. But they've done OK
through this rate-hike cycle, and they're
generally positioned fairly well to
benefit as rates come down. "
Commercial remains tight
Lingering uncertainty is creating a waitand-see
mentality in the commercial
market. " People do want to get ... a little
further along in the easing cycle to see
what the economic impact is going to
be, " says Crowley. " But we are starting
to see some businesses invest in new
projects and new equipment, and that
will get easier as rates come down. "
First Bank of the Lake in Osage
Beach, Mo., predicts that SBA lending
activity in 2025 will be on par with
2024. " We're thinking it may be flat,
because a lot of the small businesses
are more interested in just holding
on for survival, as opposed to doing
expansion or building projects, "
says Annemarie E. Murphy, senior
executive vice president and chief
lending officer at the $1.4 billion-asset
community bank.
SBA lenders also are keeping a
close eye on delinquencies, which
are inching higher as borrowers
continue to struggle with supply
chain disruption, higher labor costs
and inflation. " Although we saw a
little bit more optimism following the
50-basis-point drop in rates, things
are a little tight for small businesses, "
says Murphy.
Another potential wildcard for
lending activity relates to the direction
of the economy following the U.S.
presidential election.
" Twelve to 18 months after every
presidential election, no matter what
party wins, there tends to be a hit to
the economy, " notes Murphy. The
question is whether the impact will
be big or small, and if businesses are
prepared for that impact, she adds.
Beth Mattson-Teig is a writer
in Minnesota.
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independentbanker.org // 21
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Independent Banker - January 2025
Table of Contents for the Digital Edition of Independent Banker - January 2025
Contents
Independent Banker - January 2025 - Cover1
Independent Banker - January 2025 - Cover2
Independent Banker - January 2025 - Contents
Independent Banker - January 2025 - 2
Independent Banker - January 2025 - 3
Independent Banker - January 2025 - 4
Independent Banker - January 2025 - 5
Independent Banker - January 2025 - 6
Independent Banker - January 2025 - 7
Independent Banker - January 2025 - 8
Independent Banker - January 2025 - 9
Independent Banker - January 2025 - 10
Independent Banker - January 2025 - 11
Independent Banker - January 2025 - 12
Independent Banker - January 2025 - 13
Independent Banker - January 2025 - 14
Independent Banker - January 2025 - 15
Independent Banker - January 2025 - 16
Independent Banker - January 2025 - 17
Independent Banker - January 2025 - 18
Independent Banker - January 2025 - 19
Independent Banker - January 2025 - 20
Independent Banker - January 2025 - 21
Independent Banker - January 2025 - 22
Independent Banker - January 2025 - 23
Independent Banker - January 2025 - 24
Independent Banker - January 2025 - 25
Independent Banker - January 2025 - 26
Independent Banker - January 2025 - 27
Independent Banker - January 2025 - 28
Independent Banker - January 2025 - 29
Independent Banker - January 2025 - 30
Independent Banker - January 2025 - 31
Independent Banker - January 2025 - 32
Independent Banker - January 2025 - 33
Independent Banker - January 2025 - 34
Independent Banker - January 2025 - 35
Independent Banker - January 2025 - 36
Independent Banker - January 2025 - 37
Independent Banker - January 2025 - 38
Independent Banker - January 2025 - 39
Independent Banker - January 2025 - 40
Independent Banker - January 2025 - 41
Independent Banker - January 2025 - 42
Independent Banker - January 2025 - 43
Independent Banker - January 2025 - 44
Independent Banker - January 2025 - 45
Independent Banker - January 2025 - 46
Independent Banker - January 2025 - 47
Independent Banker - January 2025 - 48
Independent Banker - January 2025 - 49
Independent Banker - January 2025 - 50
Independent Banker - January 2025 - 51
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Independent Banker - January 2025 - 65
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Independent Banker - January 2025 - Cover3
Independent Banker - January 2025 - Cover4
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