Banking Conditions Survey

Special questions

Special Questions

June 2026

For this survey, respondents were asked supplemental questions about credit standards and loan demand. Data were collected June 16–24, and 67 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	1.6	4.9	72.1	21.3	0.0
Commercial real estate	1.6	4.9	68.9	24.6	0.0
Residential real estate	0.0	4.6	86.2	9.2	0.0
Consumer	0.0	1.5	81.8	15.2	1.5

NOTES: 66 responses. This question was most recently posed in Mar. '26.

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

	Increased	No change	Decreased
Commercial and industrial	34.4	57.4	8.2
Commercial real estate	45.9	44.3	9.8
Residential real estate	25.0	54.7	20.3
Consumer	16.4	67.2	16.4

NOTES: 67 responses. This question was most recently posed in Mar. '26.

3. 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	33.9	56.5	9.7
Commercial real estate	37.1	53.2	9.7
Residential real estate	29.2	53.8	16.9
Consumer	25.4	61.2	13.4

NOTES: 67 responses. This question was most recently posed in Mar. '26.

Special Questions Comments

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

Higher interest rates will force consumers to seek more personal debt. The new spending bill approved by Congress will increase supply of single-family residential 1–4 unit construction, but the impact of this bill will be felt in a time frame longer than 3 months.

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