Why Productivity and CapEx Are Key to 2026 US Growth
From wheat to AI: surging capital investment in AI-adjacent equipment, data centers, and on-shoring is driving sustainable productivity gains – a regime change for 2026 US growth.
Fed Decision Day: What to Watch – Rate Cut Outlook
The Fed decides on additional rate cuts today. Our view: one final cut paired with a hawkish data-dependent pivot – and a market-moving U.S. Dollar reaction.
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.
Credit Market Update – September 2025
Constructive outlook into Q4: strong fundamentals, high liquidity, and contained inflation support disciplined growth and risk-taking.
Student Loan Delinquencies Surge, but U.S. Credit Market Stays Strong
Student loan delinquencies have surged to 12.9% as pandemic-era payment freezes end, but the overall credit market remains steady. Mortgages, auto loans, and credit cards – making up almost 90% of household debt – have seen only minor changes in delinquency rates. At Bankers Edge Advisory, we help companies navigate beyond the headlines to connect with investors who understand the real story behind today’s consumer credit trends.
US Credit Market Update – August 2025
The U.S. economy is strong, with solid GDP growth, low unemployment, and healthy credit markets. Abundant liquidity and robust M&A activity support continued expansion and favorable conditions for measured risk-taking.
Consumer Weakness? Not So Fast.
Despite headlines suggesting consumer weakness, the fundamentals tell a different story – strong employment, rising wages, healthy debt levels, and moderating delinquencies all point to resilience. At Bankers Edge, we help consumer and retail companies raise capital by connecting them with investors who see beyond short-term noise and focus on long-term opportunity.