Fortress or Fault Line? What Bankers Are Really Facing in the Age of CRE Stress and Consumer Credit Shifts

DONNA DELAROSABlog

The Call Every Banker Remembers It usually happens on a Wednesday. A loan officer opens their inbox to see a message flagged urgent: “Tenant filed for bankruptcy. Cash flow disruption expected. Requesting modification.” That single line represents exactly what banks fear—unpredictability. In 2024–2025, those emails have become a lot more common. Office occupancy hasn’t recovered. Leasing debt is aging. Large …

When 5.7% Isn’t Just Dust: The Quiet Delinquency Boom in U.S. Mining

DONNA DELAROSABlog

The Bedrock Is Shifting For decades, mining has been the economic backbone of regions across the U.S. — a sector known for its grit, capital intensity, and strategic importance. From copper that powers EVs to rare earths critical for semiconductors, mining has always felt essential. And when something feels essential, financial risk tends to get underestimated. But lately, the numbers …