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Research Report

What’s Going On in Commercial Lending 2026

Commercial lending isn’t slowing down — but the rules of competition are changing fast. Based on insights from over 400 banking leaders, this report, co-authored by Cornerstone Advisors Senior Director Joel Pruis and Chief Research Officer Ron Shevlin, and commissioned by Baker Hill, reveals the strategies separating high-performing institutions from the rest.

What You'll Learn in This Report

  • Where banks are seeing loan growth — and where they’re losing share
  • Why most CRM and AI investments aren’t delivering — and how to fix it
  • What top-performing institutions are doing to improve speed, efficiency, and deal flow
  • How private credit is reshaping competition (and which segments are most at risk)
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About Cornerstone Advisors

For over 20 years, Cornerstone Advisors has delivered gritty insights, bold strategies and data-driven solutions to build smarter banks, credit unions and fintechs. From technology system selection and implementation to contract negotiations, vendor management, performance improvement programs, strategic planning, merger integration and enterprise program management, Cornerstone combines its expertise with proprietary data and research to help financial institutions thrive in today’s challenging environment. For more information, visit www.crnrstone.com, connect with us on LinkedIn and Youtube, and subscribe to GonzoBanker® for our opinionated take on all things banking.