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Regional (small) banks have a bit under 50% of the commercial real estate market. This market has been in deep shit for quite some time. The loans are written for much shorter periods than residential real estate. Occupancy rates are down and continue to drop. Interest rates are up. When these loans come due the buyer will turn in the keys as opposed to being upside down. Has been a slow grind the past few years and under reported. Just one rather large piece of shit to hit the fan in the everything bubble.