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Verstavo › The Almanac
The Almanac
A HISTORY OF U.S. CRE CREDIT · 1984 → NOW · IN MOTION
A quarter‑by‑quarter history of U.S. bank commercial‑real‑estate credit, 1984 to today,
re‑cut from the publicly available FDIC record. Scrub the timeline or press play and watch it move — the early‑90s
crisis, the GFC, COVID, and now. The picture grows sharper as you come forward: it’s dim and sparse in the deep
past because we genuinely recorded less then, and blooms into full color as bank disclosure thickened.
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This is the history — free, because it’s public record.
The living present — which banks are cracking now, before it’s news, scored loan by loan
and market by market — is the Verstavo platform.
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See the whole picture, not just the backdrop.
These pages publish the national reads — where the credit cycle sits, whether banks are pulling back from commercial real estate, and what moved this week. The platform carries them down to the market and the loan: the policy frame, the index rates a mortgage prices over, and what any of it touches in the buildings you hold.