Industry research and business updates from the Eleventh District
July 16, 2026
SungJe Byun and Mario A. Gonzalez
For decades, commercial lenders relied on a simple rule when evaluating credit risk in oil and gas support services: follow the U.S. rig count. But a portfolio classification of oil and gas support services now encompasses businesses with radically different risk profiles.
June 5, 2026
Ben Munyan, Ozge Ozden
In this study we take a closer look at discount window usage since the Fed began releasing public data with the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act in 2010.
March 25, 2026
Michael Troxell
Recent high-profile bankruptcies of firms relying on private credit financing have raised concerns that relatively opaque and riskier credit could hide broader systemic risk. Several banks announced asset write-downs from exposure to these bankruptcies.
March 20, 2026
JR Garcia, Lorenzo Garza and Kelly Klemme
Many of the Eleventh District’s rural counties rely on community bank branches, particularly in Texas and Louisiana. These rural areas are important to the production and support of the cattle, agricultural and energy industries for the district, the U.S. and the world.
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