Since the first quarter of 2013, reserves for commercial loans have increased each quarter, even as overall reserves steadily declined at commercial banks and savings banks.

That's according to research firm SNL Financial in Charlottesville, Va. In the second quarter, reserves for commercial loans totaled $26.90 billion, up from $26.57 billion in the first quarter and $25.20 billion in the 2013 second quarter.

The increase in reserves could represent a move deeper into the risk pool as competition for commercial and investment loans heats up, SNL Financial noted.

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