Tag: Loan Structure

Community Bank's Favorite Loan Structure [Free Calculator]

Loan Structuring

For decades community banks have structured fixed rate loans with adjustable features.  Probably the most popular structure for term credit at community banks is a 10-year fixed rate loan with a five-year reprice.  The structure serves to partially accommodate a borrower’s request for a 10-year fixed rate and to partially meet the bank’s desire to match assets with liabilities.  Now may be the right time for community banks to abandon this strategy - both for the borrowers who want to eliminate repricing r

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