Community Bank's Favorite Loan Structure [Free Calculator]
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
