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Commercial Loan Pricing Strategies for a Dynamic Rate Environment

March 20, 2025 Register Today

After the Federal Reserve began cutting rates in 2024, many bankers anticipated a return to a positively sloped yield curve. Although recent economic data has moderated expectations for further rate cuts in 2025, the current environment is poised to enhance bank performance. Budgets for 2025 indicate increasing net interest margins, driven by both declining funding costs and rising asset yields. Loan yields are projected to continue climbing as higher new volume rates replace maturing loans at lower rates.

Join Forvis Mazars for a fast-paced webinar, where we’ll discuss recent industry trends in loan yields and deposit costs and provide a summary of 2025 budget forecasts. With all of these moving parts, maintaining discipline in commercial loan pricing is crucial. We’ll present real-life examples demonstrating that relationship pricing is not a one-size-fits-all approach. The mix of loans and deposits, along with the rates earned and paid on these accounts, can significantly impact the pricing of new loan requests.

Learning Objectives

Upon completion of this program, participants will be able to:

  • Describe recent lending trends surrounding loan yields and deposit costs and understand how these trends impact the commercial lending landscape.
  • Discuss the importance of discipline in commercial lending, especially in a dynamic rate environment.
  • Recognize that relationship-based pricing is not an all-encompassing approach through real-world pricing examples.
  • Explain how pricing models like LoanPricingPRO® can help support your institution in a shifting rate environment.

LoanPricingPRO®

Our strategic loan pricing tool can help your financial institution manage and grow your portfolio by factoring in the value of your existing customer relationships and help enhance your proposed loan terms with real-time profitability analysis. Learn more here.


CPE Information

1.00 CPE Credit (pending approval)

One CPE credit (pending approval) in the Finances field of study may be awarded upon verification of participant attendance, during live broadcast.


Who's This For

Commercial lending officers, chief lending officers, CFOs, and CEOs of community/regional banks and credit unions.


Prerequisites

None


Delivery Method

Group internet-based. Each attendee must be logged in and answer the poll questions in order to receive CPE credit.


Refund Policy

There is no fee associated with this event.


Program Level

Basic


Recommended Field of Study

Finances


Advanced Preparation

None

CPE NASBA Logo

If you have concerns or would like information regarding program cancellation policies or CPE credit, contact us at [email protected].

Forvis Mazars, LLP is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

Presenters

Andy Morgan