Commercial Real Estate (CRE) lending can be a powerful growth engine for banks—but only when managed strategically. Many banks limit their expansion due to outdated, one-size-fits-all concentration policies that don’t account for their unique capital profile. Instead of restricting growth based on arbitrary regulatory thresholds, banks can quantify their true capital capacity using data-driven analytics.
📥 Download the CRE Concentration Risk Management Plan and learn how to:
✔️ Unlock hidden lending capacity using real capital stress testing
✔️ Align growth with capital strength—not arbitrary limits
✔️ Proactively address regulatory concerns while maximizing profitability
✔️ Benchmark your CRE exposure against peer banks and national trends
Your CRE Lending Strategy Should Fuel Growth—Not Limit It
Many banks treat the 300% CRE concentration threshold as an ironclad limit, fearing regulatory scrutiny if they exceed it. However, this standard does not consider your bank’s actual capital strength, underwriting quality, or risk appetite.
✅ Instead of a rigid limit, use loan-level and capital stress testing to determine the precise level at which CRE exposure could impact your institution’s survival in a severe downturn.
✅ Quantifying this threshold allows you to unlock additional capital for lending while staying well within safe regulatory guardrails.
With a customized, data-backed strategy, you can grow CRE lending confidently—without increasing risk.
How Does Your CRE Exposure Compare? Get a Risk Assessment
📊 Gain insights on:
✅ Your CRE concentration vs. peer banks
✅ Where your institution ranks nationally in CRE exposure
✅ Whether your CRE mix puts you at higher risk of regulatory scrutiny
Let’s talk! No pressure, just insights. Schedule a free, informative discussion to see how your bank can optimize its CRE lending strategy.
🔗 Download the CRE Concentration Risk Management Plan
🔗 Get a Risk Assessment
Bonus: Sample Capital Plan Included
A well-structured capital plan is essential for balancing growth and risk. Our CRE Concentration Risk Management Plan includes a sample capital plan outline to help you:
📌 Understand key capital planning components
📌 Define risk limits that align with your growth strategy
📌 Satisfy regulatory expectations while maximizing lending potential
📥 Download the Sample Capital Plan
More Resources for CRE Risk & Growth Strategy
📺 Watch our latest video: Video Library
📘 Read our latest insights : Intel Blog
💼 Follow us on LinkedIn for expert analysis & industry updates: LinkedIn
📥 Download the Tariff & Trade War Recession Scenario