Capital Assets Weekly Comments

Andrew Marino
Preparation Meets Market Opportunity

The 10-year Treasury is at a three-year low giving institutions the ability to structure almost any type of loan portfolio balance sheet management strategy they can dream up. Loans with low note rates that priced at unpalatable losses just weeks ago are now pricing at significant gains. Institutions whose timing is uncertain are preparing for strategies they may never need to do, but actually could do at a moment’s notice if the need should arise. A successful business plan only works when a strategic need aligns with an opportunity and can often live and die with market conditions. With market rates dropping, the question is, “Are you prepared to make the best business decisions to manage your loan portfolio?”

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