Fewer loans each year
It made 55 loans in 2018 and 59 in 2019. It filed no report for 2020 to 2022, when a bank making fewer than 100 closed-end loans a year need not report, so those years are a gap in the record. Since then its count has gone from 36 to 28 to 13. Similar lenders, national banks making between half and twice as many loans, also lent less, but their numbers fell 19%, against 54% at Shiner. Part of its fall may reflect the same conditions its peers faced; on so few loans, a handful of deals not done makes a large percentage.