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The Zacks Savings and Loan industry is facing challenges due to the deteriorating commercial real estate market and high interest rates.

由於商業房地產市場惡化和高利率，Zacks 儲蓄和貸款行業面臨挑戰。

Companies like WSFS Financial Corporation, Provident Financial Services, and Riverview Bancorp are expected to weather the storm due to their attractive business models and strong relationship banking.

WSFS Financial Corporation、Provident Financial Services 和 Riverview Bancorp 等公司因其有吸引力的商業模式和強大的銀行業務關係而預計將渡過難關。

The industry is also witnessing trends like slowing loan demand, weakening asset quality, and digital ramp-ups.

該行業也見證了貸款需求放緩、資產品質下降和數位成長等趨勢。

This article provides an in-depth analysis of the current state of the Zacks Savings and Loan industry, highlighting key trends and companies to watch.

本文深入分析了 Zacks 儲蓄和貸款行業的現狀，重點介紹了值得關注的主要趨勢和公司。

Industry Overview and Key Trends

行業概況和主要趨勢

The Zacks Savings and Loan industry comprises specialized U.S. banks that focus on extending residential mortgage finance. These institutions fund mortgages with savings insured by the Federal Deposit Insurance Corporation (“FDIC”). They offer high interest rates on savings to attract deposits, enhancing their ability to lend mortgages. However, the industry is currently grappling with a few key trends.

Zacks 儲蓄貸款產業由專注於擴大住宅抵押貸款融資的專業美國銀行組成。這些機構用聯邦存款保險公司（「FDIC」）承保的儲蓄為抵押貸款提供資金。他們提供高儲蓄利率以吸引存款，從而增強他們發放抵押貸款的能力。然而，該行業目前正在努力應對一些關鍵趨勢。

Slowing Loan Demand

貸款需求放緩

The central bank’s aggressive monetary policy of last year has lowered the demand for loans due to fears of an economic downturn. High interest rates are keeping borrowers on the sidelines, resulting in a subdued lending backdrop.

由於擔心經濟衰退，央行去年採取的激進貨幣政策降低了貸款需求。高利率使借款人保持觀望，導致貸款環境低迷。

Weakening Asset Quality

資產品質惡化

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