Banner Corporation BANR Reserve for Unfunded Loan Commitments
Reserve for Unfunded Loan Commitments at other companies
Other financials
Where this comes from
Reported directly by Banner Corporation in its filing.
Tagged under the XBRL concept banr:ReserveforUnfundedLoanCommitments.
The source filing: Banner Corporation’s 10-Q, filed May 5, 2026.
- Filed
- May 5, 2026, 4:36 PM EDT
- Fiscal quarter
- Q1 FY2026
- Calendar quarter
- Q1 2026
- Accession
- 0000946673-26-000127
Commitments to extend credit are agreements to lend to a client, as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Many of the commitments may expire without being drawn upon; therefore, the total commitment amounts do not necessarily represent future cash requirements. Each client’s creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if deemed necessary upon extension of credit, is based on Management’s credit evaluation of the client. Collateral held varies, but may include accounts receivable, inventory, property, plant and equipment, and income producing commercial properties. The Company’s allowance for credit losses - unfunded loan commitments at March 31, 2026 and December 31, 2025 was $12.9 million and $15.0 million, respectively.
ITEM 1 - Financial Statements (unaudited)
FAQ
- What is Banner Corporation's reserve for unfunded loan commitments?
- Banner Corporation (BANR) reported reserve for unfunded loan commitments of $12.9M in Q1 2026.
- How has Banner Corporation's reserve for unfunded loan commitments changed year-over-year?
- Banner Corporation's reserve for unfunded loan commitments increased by 5.7% year-over-year, from $12.2M to $12.9M.
- What is the long-term trend for Banner Corporation's reserve for unfunded loan commitments?
- Over 5 years (2020 to 2025), Banner Corporation's reserve for unfunded loan commitments has grown at a 2.4% compound annual growth rate (CAGR), from $13.3M to $15M.
- What does reserve for unfunded loan commitments mean?
- This is the specific allowance set aside to cover potential credit losses associated with off-balance sheet loan commitments that have not yet been funded. It reflects the bank's assessment of credit risk inherent in its pipeline of undrawn credit facilities. An adequate reserve is necessary to mitigate the impact of future credit deterioration on the bank's earnings.
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