Independent Banker - July 2021 - 19

the pandemic. The bank is also an
active lender for self-storage projects,
and it continues to look at office and
some retail assets, such as groceryanchored
centers and triple net
lease properties.
" We are very bullish on the
opportunities and prospects we see
here in the state of Texas and in the
community bank space, " Kesler says.
" So, we anticipate another strong year
in 2021. "
Some of that demand is coming
from development projects that were
tabled in 2020. At the same time,
Veritex Community Bank is bracing
for more competition as more banks
resume CRE lending, putting pressure
on loan pricing.
Liquidity drives appetite for CRE
" The overriding theme with
community banks is that they are
awash with deposits because of all the
stimulus payments, " says Christopher
Cole, ICBA's executive vice president
and senior regulatory counsel.
Many banks have been active
issuing Paycheck Protection
Program (PPP) loans, which are
typically classified as commercial
or commercial and industrial (C&I)
loans. So, there's good liquidity and
room on balance sheets to finance
CRE loans, but demand for loans has
shrunk, Cole adds.
Demand for capital to finance
acquisitions and construction has
been improving in 2021, but early
data reveal that it's still trailing
its robust pre-pandemic pace.
According to commercial property
services provider CoStar Group in
Washington, D.C., an estimated
14,125 commercial and multifamily
properties traded during the
12-month period that ended February
2021, which marked the lowest point
since April 2013. The 12-month total

Independent Banker - July 2021

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Independent Banker - July 2021 - Table of Contents
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