Bank financial officers report tighter standards for commercial, industrial loans
February 04, 2026 / By ICBA
Respondents to the Federal Reserve’s latest survey of senior financial officers reported:
Tighter lending standards for commercial and industrial loans to firms of all sizes, stronger demand for C&I loans to large and middle-market firms, and unchanged demand for C&I loans to small firms.
Unchanged standards and stronger demand for commercial real estate loans.
Unchanged lending standards and weaker demand across most categories of residential real estate loans.
Standards reportedly eased for auto loans and remained basically unchanged for credit card and other consumer loans, while demand weakened for auto and other consumer loans but remained basically unchanged for credit card loans.
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