The Banking Crisis Just Got Worse (Defaults Are Rising)

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Apply for the Gemini Credit Card: https://Gemini.com/graham - Enjoy! Let's discuss the regional banking crisis, why commercial real estate loans are losing money, and how this impacts the rest of the market - Thanks for watching! Add me on Instagram: GPStephan GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletter UNREALIZED LOSSES BACK ON THE TABLE Banks are once again sitting on massive unrealized losses, but this time it’s not just from treasuries, it’s from commercial real estate loans that are rapidly losing value as rates stay high. REGIONAL BANKS HOLD THE RISK Around 80% of commercial real estate loans are held by smaller regional banks, many with nearly half their assets tied to properties that may no longer be worth what was loaned. $2.2 TRILLION REFINANCE CLIFF IS COMING Between now and 2027, trillions in commercial real estate loans will reset at much higher interest rates, which could trigger widespread defaults if values keep falling. EARLY SIGNS ARE ALREADY SHOWING Zions Bank took a $50M loss due to fraud, Western Alliance is facing lawsuits, and even investment firms like Jeffries are warning of unexpected hits, sparking fresh banking panic. BIG BANKS VS SMALL BANKS REALITY CHECK Large banks like Chase and Bank of America are stress-tested and diversified. Smaller banks are not, so they’re the ones most exposed to this new wave of risk. WHAT THIS MEANS FOR YOU This isn’t a full banking collapse scenario, but it is a clear warning: diversify your cash, stay under FDIC limits per bank, and don’t assume all institutions carry the same level of safety. My ENTIRE Camera and Recording Equipment: https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB The Gemini Credit Card is issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates & Fees: gemini.com/legal/cardholder-agreement. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. All qualifying purchases under the 4% back category earn 4% back on up to $300 in spend per month (then 1% thereafter in that month). Spend cycle will refresh on the 1st of each calendar month. See Rewards Program Terms. Checking if you’re eligible will not impact your credit score. If you’re eligible and choose to proceed, a hard credit inquiry will be conducted that can impact your credit score. Eligibility does not guarantee approval. Analysis reflects Gemini Credit Card holders who earned bitcoin rewards between 10/08/2021 and 10/05/2024 and held all such rewards in their Gemini account through 10/05/2025. Calculation is based on bitcoin market value changes during the holding period. Individual results will vary depending on spend behavior, chosen rewards currency, holding duration, and market performance. Past performance is not indicative of future results. This information is for general informational purposes only and does not constitute investment advice. For business inquiries, you can reach me at [email protected] *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.