@techreport{hinzen2026toomany,
  title        = {Too-Many-to-Ignore: Regional Banks and CRE Risks},
  author       = {Hinzen, Franz J. and Severino, Felipe and {Van Nieuwerburgh}, Stijn},
  year         = {2026},
  institution  = {SSRN},
  note         = {Available at SSRN: \url{https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5560880}}
}