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EXHIBIT 1 · C&I HAS THINNED WHILE CRE HAS BUILT 30% 20% 16% CRE ≈ 28% C&I ≈ 18% 2021 2026 Illustrative directional composite. Source: FDIC Quarterly Banking Profile, Q1 2026.

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The Term Loan B Market and Regional Bank Balance Sheets

Industry net interest margin fell to 3.31% in the first quarter of 2026 as earning asset yields dropped faster than funding costs. The case for a floating rate, first lien C&I asset that rebuilds the side of the book CRE has crowded out.

September 18, 2026 · 11 min read · PDF available

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