Credit Market Update – January 2026

U.S. credit markets remain constructive into year-end, with Q3 GDP up 4.3% annualized on resilient consumer spending and stronger net exports. The Fed is holding rates at 3.9% while signaling gradual cuts and renewed balance-sheet support, adding liquidity. Corporate and bank fundamentals are solid—S&P 500 margins near 69.8%, business delinquencies at 1.3%, and Tier‑1 capital at 14.1% with significant lending capacity implied—supporting a favorable backdrop for selective capital deployment into 2026.

Credit Market Update – December 2025

U.S. credit markets remain constructive into year-end, with Q3 GDP up 4.3% annualized on resilient consumer spending and stronger net exports. The Fed is holding rates at 3.9% while signaling gradual cuts and renewed balance-sheet support, adding liquidity. Corporate and bank fundamentals are solid—S&P 500 margins near 69.8%, business delinquencies at 1.3%, and Tier‑1 capital at 14.1% with significant lending capacity implied—supporting a favorable backdrop for selective capital deployment into 2026.

Credit Market Update – November 2025

U.S. growth remained modest in late 2025 following a solid 3.8% Q2 rebound, as inflation eased to 3.0% and the Fed funds rate moved to 3.5%. While labor market tightness is abating with job openings at 7.2 million, corporate health remains resilient with historically low business loan delinquencies of 1.3%. High-yield spreads have tightened to 2.9%, and robust bank capital buffers of 14.1% continue to provide ample liquidity for steady expansion. The outlook into 2026 remains constructive, supported by a healthy M&A environment and a measured pivot toward lower rates.

The K‑Shaped Economy: AI and the New Divide

Artificial intelligence is reshaping America’s economy—boosting productivity while deepening inequality. As the K‑Shaped Economy widens the gap between opportunity and exclusion, Bankers Edge Advisory explores how businesses and policymakers can adapt through smarter capital strategy, workforce reskilling, and inclusive innovation.

Credit Market Update – October 2025

U.S. growth stayed firm in Q3 2025 with GDP up 3.8%, inflation easing to 3.0%, and the Fed cutting rates to 4.1%. Jobs and credit remain strong, while liquidity and capital buffers support steady expansion. Outlook into year-end stays constructive with balanced growth and measured risk-taking.

Unlocking Growth at Main Street Summit 2025

Bankers Edge Advisory is attending the Main Street Summit in Columbia, Missouri from November 4–6, 2025. Join Managing Partner Mitch Vermet, CFA, CAIA, and other industry leaders as they explore networking, capital formation strategies, and market insights tailored for middle-market businesses. Connect with us at the event to discover new opportunities for growth and partnership.

Inflation, Rate Cuts, and Capital Opportunities

With inflation still above the Fed’s target, recent rate cuts have created a brief window for companies to raise capital on favorable terms. As market conditions remain dynamic, Bankers Edge Advisory advises businesses to act quickly and seize this “golden-lock” opportunity before financial policy tightens again.

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Meet Mitch Vermet,

CFA, CAIA
Managing Director
Our other Managing Director, Mitch Vermet, CFA, CAIA, has a decade of experience in institutional asset management and investment banking. He has served as an integral asset within close-knit investment teams responsible for building portfolios and allocating tactical assets for over $30 billion in institutional capital.
Since earning a BA in Economics from the University of Michigan and an MA in Management from the Ross School of Business at the University of Michigan, Mr. Vermet has demonstrated mastery in helping clients manage and structure their balance sheets with strategic asset liability management solutions. He has built a reputation for helping clients strategically manage risk while capitalizing on opportunities across unique macroeconomic scenarios, lending valuable expertise and foresight to clients.  

Mr. Vermet is a member of the CFA Institute and CAIA Association. He is also a Registered Representative of BA Securities, LLC, and a member of FINRA and SIPC.

Meet Richard Consul,

CFA
Managing Director
Richard Consul, CFA, brings unmatched expertise and experience as one of our Managing Directors. Mr. Consul has over 20 years of domestic and international secondary market expertise as a Senior Portfolio Manager and Fixed Income, Currency, and Commodities Strategist.
Since earning a BBA in Finance and an MSE in Financial Engineering from the University of Michigan, Mr. Consul has served as a dedicated business partner to many corporate, banking, and insurance clients. He has built a reputation for helping clients solve and overcome various complex liquidity, risk management, ALM, and secondary market challenges. 
Mr. Consul has lent his expertise to countless financial publications and platforms, including Asset TV, a renowned video research platform for investment professionals. He is a member of the CFA Institute and has received certifications in Securities Industry Essentials (SIE), Series 82, and Series 63 through FINRA.