Banking Conditions Survey

Special questions

Special Questions

March 2026

For this survey, respondents were asked supplemental questions about credit standards and loan demand. Data were collected March 17–25, and 57 bankers responded to the survey.

1. How do you expect credit standards and terms to change over the next three months for the following loan categories?

	Ease considerably (percent)	Ease somewhat (percent)	Remain unchanged (percent)	Tighten somewhat (percent)	Tighten considerably (percent)
Commercial and industrial	0.0	1.9	75.5	22.6	0.0
Commercial real estate	0.0	5.6	74.1	18.5	1.9
Residential real estate	0.0	5.5	87.3	7.3	0.0
Consumer	0.0	5.5	78.2	12.7	3.6

NOTES: 55 responses. This question was most recently posed in Dec. '25.

2. How do you expect credit standards and terms to change over the next three months for the following categories of commercial real estate lending?

	Ease considerably (percent)	Ease somewhat (percent)	Remain unchanged (percent)	Tighten somewhat (percent)	Tighten considerably (percent)
Construction and land development	0.0	5.8	61.5	25.0	7.7
Industrial	0.0	1.9	78.8	19.2	0.0
Retail	0.0	1.9	78.8	15.4	3.8
Multifamily	0.0	5.7	64.2	28.3	1.9
Office	0.0	1.9	69.2	23.1	5.8
Hotels/lodging	0.0	0.0	67.9	28.3	3.8
Other	0.0	0.0	87.2	12.8	0.0

NOTES: 53 responses. This question was most recently posed in Dec. '25.

3. Over the past six weeks, how has loan demand changed for the following loan categories?

	Increased	No change	Decreased
Commercial and industrial	17.0	67.9	15.1
Commercial real estate	41.5	43.4	15.1
Residential real estate	23.6	63.6	12.7
Consumer	14.5	72.7	12.7

NOTES: 55 responses. This question was most recently posed in Dec. '25.

4. Over the next six months, how do you expect loan demand to change for the following loan categories?

	Increased	No change	Decreased
Commercial and industrial	24.5	58.5	17.0
Commercial real estate	35.8	52.8	11.3
Residential real estate	30.4	51.8	17.9
Consumer	17.5	64.9	17.5

NOTES: 57 responses. This question was most recently posed in Dec. '25.

Special Questions Comments

Survey participants are given the opportunity to submit comments. Some comments have been edited for grammar and clarity.

Geopolitical events and domestic policy are major unknowns and will impact our banking environment over the next six months.
Credit quality will remain our priority.

Questions regarding the Banking Conditions Survey can be addressed to Mariam Yousuf at mariam.yousuf@dal.frb.org.