Federal regulators have put a lot of attention on the banking system, with particular attention on and concern over banks that seem overexposed to commercial real estate loans.

Morningstar looked at community banks — the more than 4,100 institutions that represent 90% of all commercial banks in the U.S. According to the firm, the condition of these banks is stronger than it was before the pandemic.

The community institutions with up to about $2.2 billion in assets, comprise 11% of all FDIC-insured banking assets They also hold 15% of all loans and play an important part in the banking and finance systems.

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