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OCC Releases OCC/Fed Joint Study on 2006 CRE Concentration Guidance

 

April 4 - Banks with high concentrations of construction and total commercial real estate lending that exceeded supervisory criteria failed at higher rates than banks with lower concentrations, according to a white paper published by the Office of the Comptroller of the Currency and the Federal Reserve Board.

The white paper presents findings from the regulators’ study of bank performance in the context of the 2006 interagency guidance, “Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices.” In summary, this guidance established supervisory criteria for banks that exceeded 100 percent of capital in construction lending and 300 percent of capital in total CRE lending. The study covered national- and state-chartered commercial banks but did not include savings associations. Key findings of the study include:

Click here for the white paper.


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