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Credit Risk in a K-Shaped Economy

What community banks need to know, and do, as economic divergence reshapes credit portfolios

This report explores how stable portfolio metrics can conceal growing risk among vulnerable borrowers and industries. Learn what to watch for now—and how to prepare your institution for the next credit cycle.

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Download the report to explore:

  • See where stable metrics may be hiding concentrated risk.
  • Spot early warning signs before delinquency rises.
  • Learn how to strengthen loan reviews, stress testing, and CRE oversight.

2,500+ community financial institutions can’t be wrong.

Affinity BankAffinity BankAffinity BankAffinity BankAffinity BankAffinity BankAffinity Bank
Alliance Catholic Credit UnionAlliance Catholic Credit UnionAlliance Catholic Credit UnionAlliance Catholic Credit UnionAlliance Catholic Credit UnionAlliance Catholic Credit UnionAlliance Catholic Credit Union
Bank IndependentBank IndependentBank IndependentBank IndependentBank IndependentBank IndependentBank Independent
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Blue Ridge BankBlue Ridge BankBlue Ridge BankBlue Ridge BankBlue Ridge BankBlue Ridge BankBlue Ridge Bank
Chattanooga FederalChattanooga FederalChattanooga FederalChattanooga FederalChattanooga FederalChattanooga FederalChattanooga Federal
CNB Gilmer National BankCNB Gilmer National BankCNB Gilmer National BankCNB Gilmer National BankCNB Gilmer National BankCNB Gilmer National BankCNB Gilmer National Bank
Commercial State BankCommercial State BankCommercial State BankCommercial State BankCommercial State BankCommercial State BankCommercial State Bank
Community Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit Union
Cornhusker BankCornhusker BankCornhusker BankCornhusker BankCornhusker BankCornhusker BankCornhusker Bank
Thayer County BankThayer County BankThayer County BankThayer County BankThayer County BankThayer County BankThayer County Bank
Dogwood State BankDogwood State BankDogwood State BankDogwood State BankDogwood State BankDogwood State BankDogwood State Bank
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Fidelity BankFidelity BankFidelity BankFidelity BankFidelity BankFidelity BankFidelity Bank
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First South FinancialFirst South FinancialFirst South FinancialFirst South FinancialFirst South FinancialFirst South FinancialFirst South Financial
First State Bank NebraskaFirst State Bank NebraskaFirst State Bank NebraskaFirst State Bank NebraskaFirst State Bank NebraskaFirst State Bank NebraskaFirst State Bank Nebraska
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Georgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit Union
Greater Community Credit UnionGreater Community Credit UnionGreater Community Credit UnionGreater Community Credit UnionGreater Community Credit UnionGreater Community Credit UnionGreater Community Credit Union
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Legends BankLegends BankLegends BankLegends BankLegends BankLegends BankLegends Bank
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Peoples BankPeoples BankPeoples BankPeoples BankPeoples BankPeoples BankPeoples Bank
Prospera Credit UnionProspera Credit UnionProspera Credit UnionProspera Credit UnionProspera Credit UnionProspera Credit UnionProspera Credit Union
Sauk Valley BankSauk Valley BankSauk Valley BankSauk Valley BankSauk Valley BankSauk Valley BankSauk Valley Bank
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EWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit Union
First Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit Union
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Affinity BankAffinity BankAffinity BankAffinity BankAffinity BankAffinity BankAffinity Bank
Alliance Catholic Credit UnionAlliance Catholic Credit UnionAlliance Catholic Credit UnionAlliance Catholic Credit UnionAlliance Catholic Credit UnionAlliance Catholic Credit UnionAlliance Catholic Credit Union
Bank IndependentBank IndependentBank IndependentBank IndependentBank IndependentBank IndependentBank Independent
BankPlusBankPlusBankPlusBankPlusBankPlusBankPlusBankPlus
Blue Ridge BankBlue Ridge BankBlue Ridge BankBlue Ridge BankBlue Ridge BankBlue Ridge BankBlue Ridge Bank
Cambridge Savings BankCambridge Savings BankCambridge Savings BankCambridge Savings BankCambridge Savings BankCambridge Savings BankCambridge Savings Bank
Chattanooga FederalChattanooga FederalChattanooga FederalChattanooga FederalChattanooga FederalChattanooga FederalChattanooga Federal
CNB Gilmer National BankCNB Gilmer National BankCNB Gilmer National BankCNB Gilmer National BankCNB Gilmer National BankCNB Gilmer National BankCNB Gilmer National Bank
Commercial State BankCommercial State BankCommercial State BankCommercial State BankCommercial State BankCommercial State BankCommercial State Bank
Community Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit UnionCommunity Resource Credit Union
Cornhusker BankCornhusker BankCornhusker BankCornhusker BankCornhusker BankCornhusker BankCornhusker Bank
Thayer County BankThayer County BankThayer County BankThayer County BankThayer County BankThayer County BankThayer County Bank
Dogwood State BankDogwood State BankDogwood State BankDogwood State BankDogwood State BankDogwood State BankDogwood State Bank
Education First Credit unionEducation First Credit unionEducation First Credit unionEducation First Credit unionEducation First Credit unionEducation First Credit unionEducation First Credit union
EWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit UnionEWEB Employees Federal Credit Union
Fidelity BankFidelity BankFidelity BankFidelity BankFidelity BankFidelity BankFidelity Bank
First Federal BankFirst Federal BankFirst Federal BankFirst Federal BankFirst Federal BankFirst Federal BankFirst Federal Bank
First South FinancialFirst South FinancialFirst South FinancialFirst South FinancialFirst South FinancialFirst South FinancialFirst South Financial
First State Bank NebraskaFirst State Bank NebraskaFirst State Bank NebraskaFirst State Bank NebraskaFirst State Bank NebraskaFirst State Bank NebraskaFirst State Bank Nebraska
First Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit UnionFirst Advantage Federal Credit Union
FlagstarFlagstarFlagstarFlagstarFlagstarFlagstarFlagstar
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Georgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit UnionGeorgia United Credit Union
Greater Community Credit UnionGreater Community Credit UnionGreater Community Credit UnionGreater Community Credit UnionGreater Community Credit UnionGreater Community Credit UnionGreater Community Credit Union
ICBAICBAICBAICBAICBAICBAICBA
Legends BankLegends BankLegends BankLegends BankLegends BankLegends BankLegends Bank
Library of Congress Federal Credit UnionLibrary of Congress Federal Credit UnionLibrary of Congress Federal Credit UnionLibrary of Congress Federal Credit UnionLibrary of Congress Federal Credit UnionLibrary of Congress Federal Credit UnionLibrary of Congress Federal Credit Union
Logan Medical Federal CreditvUnionLogan Medical Federal CreditvUnionLogan Medical Federal CreditvUnionLogan Medical Federal CreditvUnionLogan Medical Federal CreditvUnionLogan Medical Federal CreditvUnionLogan Medical Federal CreditvUnion
Maspeth Federal SavingsMaspeth Federal SavingsMaspeth Federal SavingsMaspeth Federal SavingsMaspeth Federal SavingsMaspeth Federal SavingsMaspeth Federal Savings
MaxMaxMaxMaxMaxMaxMax
National Capital BankNational Capital BankNational Capital BankNational Capital BankNational Capital BankNational Capital BankNational Capital Bank
New Century BankNew Century BankNew Century BankNew Century BankNew Century BankNew Century BankNew Century Bank
One Florida BankOne Florida BankOne Florida BankOne Florida BankOne Florida BankOne Florida BankOne Florida Bank
On Tap Credit UnionOn Tap Credit UnionOn Tap Credit UnionOn Tap Credit UnionOn Tap Credit UnionOn Tap Credit UnionOn Tap Credit Union
PCBBPCBBPCBBPCBBPCBBPCBBPCBB
Peoples BankPeoples BankPeoples BankPeoples BankPeoples BankPeoples BankPeoples Bank
Prospera Credit UnionProspera Credit UnionProspera Credit UnionProspera Credit UnionProspera Credit UnionProspera Credit UnionProspera Credit Union
Sauk Valley BankSauk Valley BankSauk Valley BankSauk Valley BankSauk Valley BankSauk Valley BankSauk Valley Bank
Security State Bank of KenyonSecurity State Bank of KenyonSecurity State Bank of KenyonSecurity State Bank of KenyonSecurity State Bank of KenyonSecurity State Bank of KenyonSecurity State Bank of Kenyon
Signature BankSignature BankSignature BankSignature BankSignature BankSignature BankSignature Bank
The Bank of Elk RiverThe Bank of Elk RiverThe Bank of Elk RiverThe Bank of Elk RiverThe Bank of Elk RiverThe Bank of Elk RiverThe Bank of Elk River
Ukranian NationalUkranian NationalUkranian NationalUkranian NationalUkranian NationalUkranian NationalUkranian National
Universal 1 Credit Union logoUniversal 1 Credit Union logoUniversal 1 Credit Union logoUniversal 1 Credit Union logoUniversal 1 Credit Union logoUniversal 1 Credit Union logoUniversal 1 Credit Union logo
Weokie Federal Credit UnionWeokie Federal Credit UnionWeokie Federal Credit UnionWeokie Federal Credit UnionWeokie Federal Credit UnionWeokie Federal Credit UnionWeokie Federal Credit Union