Skip to main content
St. Louis Fed Supervision Outreach Resources for Community and Regional Banks Headers with green dots and lines

Banking Analytics: Banks Record Uptick in Unfunded CRE Commitments

As of Sept. 30, 2025, U.S. banks have reversed a nine-quarter decline in unfunded commercial real estate (CRE) commitments with a second quarter of growth. Unfunded commitments represent the off-balance-sheet credit exposure related to the remaining dollar amount borrowers can borrow under a loan agreement that is expected to be funded in the future. For example, a borrower has a commercial construction loan agreement allowing them to borrow up to $1 million with a current borrowed balance of $200,000; the remaining $800,000 would represent the unfunded commitment.

St. Louis Fed Banking Analytics

Ask the Fed

Ask the Fed® is a Federal Reserve System webinar program designed for insured depository institutions, bank and thrift holding companies, supervisory regulators and banking associations. Program sessions feature Fed experts and guest speakers presenting on, and answering questions about topical banking and regulatory issues. 

Basics for Bank Directors

The Federal Reserve Bank of Kansas City’s Basics for Bank Directors provides an understanding of the regulatory framework and directors' oversight responsibilities.

Community Banking Connections

Community Banking Connections is a Federal Reserve System publication that serves to clarify key supervisory guidance, highlight new regulations, provide perspectives from bank examiners and Federal Reserve staff, and address challenges and concerns facing community banks while providing resources to assist them. 

Consumer Compliance Outlook

Consumer Compliance Outlook is a Federal Reserve System publication dedicated to consumer compliance topics.

Cybersecurity Resources

The Federal Reserve System has developed a Cybersecurity Resources for Community Banks document, which is a compilation of publicly available cybersecurity content for community bankers. The document includes links to potential sources of information, cybersecurity self-assessment tools, supervisory letters, Federal Reserve produced materials and law enforcement contact information.

CASSIDI

The St. Louis Fed’s CASSIDI bank competitive analysis tool strives to be the premier resource of the Federal Reserve System, Department of Justice and the public for performing competitive analysis. CASSIDI contains information for the entire country and is updated on a regular basis.