Artificial intelligence tools such as ChatGPT—though many are still nascent—are rapidly shifting the landscape in numerous industries, including the financial institutions space.

I think we can all agree that there has been plenty to be concerned about in the last, say, five years. Some are environmental issues, some are social and, for community bankers, plenty are economic.

Commercial real estate is a hot topic right now. The perception of increasing risk within the banking system surrounding real estate loans is prevalent. This might be an area within your bank that you will want to look at closely right now to catch any early warning signs of any deterioration.