CFPB Monitor

JANUARY 23, 2024

On September 18, 2023, the Federal Reserve, Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency jointly published and sought comments on a proposal to implement new, standardized capital requirements that would, among other things, increase capital requirements for banks with $100 billion or more in total assets. (..)

Industry 179

Industry Capital FDIC 179

South State Correspondent

JULY 30, 2023

Bank ROE Historical Performance Total assets for all FDIC-insured institutions was $23.7T The graph below shows the quarterly ROE for all community banks from 1984 to Q1/2023. There are various models investors may use to assess return and risk, but the most widely used is a risk premium model called CAPM (capital asset pricing model).

Community Bank 195

Community Bank Community Capital Policies 195

Abrigo

DECEMBER 22, 2023

The most-read portfolio risk blogs in 2023 Probability of default, CECL model validation, and stress testing were among Abrigo's top blogs on ALM, CECL, and portfolio risk this year. Here are Abrigo’s 10 top ALM, CECL, and portfolio risk blogs in 2023. Click the header next to each number to visit the corresponding top blog post.

Risk Management 221

Risk Management Regulation Management Lending 221

Perficient

MARCH 22, 2023

Short Capital? SVB Financial had Tier 1 risk-based capital of 15.40% as of December 31, 2022, over 80% higher than the 8.50% regulatory required ratio. Including reserves, the parent company had Total risk-based capital of 16.18%, more than 50% higher than the required ratio of 10.50% for large banks. Tier 1 leverage 8.11

Report 474

Report Regulation Capital Management 474

American Banker

OCTOBER 4, 2023

Board Member Jonathan McKernan raised concerns Wednesday over his agency's justification for imposing higher capital on banks, saying they could give nonbanks a more competitive edge in certain activities. Federal Deposit Insurance Corp.

FDIC 66

FDIC Capital Policies Compliance 66

South State Correspondent

MAY 7, 2024

With the assistance of the FDIC, Fulton Financial acquired certain assets, debt and deposits of Republic Bank. In fact, until 2023, the bank’s interest expense to average assets was at par with peers. This analysis does not require the ability to predict future interest rates or future cost of liabilities or cost of capital.

Risk Management 195

Risk Management Security Management Groups 195

Abrigo

MARCH 17, 2022

Takeaway 3 Using stress testing scenarios helps banks and credit unions determine whether estimated loss rates will push projected capital levels below regulatory thresholds. Banks and credit unions must be able to adjust when necessary to ensure viability of the institution and the ability to supply capital to their local economy.

Capital 195

Capital Regulation Risk Management Community 195

The Financial Brand

AUGUST 24, 2023

This article How Proposed Capital Rules Could Hit Credit Cards, Mortgages and More appeared first on The Financial Brand. Regional bank failures and troubles in early 2023 may bear bitter fruit for the institutions in that size class and beyond that survived.

Capital 29

Capital Cards Regional Branding 29

South State Correspondent

MARCH 15, 2023

It turns out that confidence is more valuable than capital. Percentage of Uninsured Deposits: At the time of failure, SVB had approximately 88% of their deposits above the FDIC-insured $250k limit and ran at 95% at the end of last year. The ratio would provide a bank’s current core capital position to risk-adjusted assets.

social media 195

social media FDIC Branding Management 195

South State Correspondent

APRIL 16, 2024

According to a recent Capital One study done at the start of this year, 65% of U.S. In 2023, the global value of these digital wallets was approximately $9T. FDIC insurance doesn’t matter until it matters, and the funds in many digital wallets are not insured.

FDIC 195

FDIC Examples Study Samsung 195

American Banker

JUNE 22, 2023

FDIC Chairman Martin Gruenberg announced that regulators will soon issue a proposed rule to finalize U.S. implementation of the most recent revisions to the Basel III capital framework. Among the expected updates are changes to capital requirements for banks with assets of more than $100 billion, three of which failed this spring.

FDIC 50

FDIC Capital Regulation Policies 50

South State Correspondent

SEPTEMBER 12, 2022

We examine all FDIC-insured commercial banks and S&L associations over the last three decades and plot COF versus short-term rates. Online banks like American Express, Capital One, Marcus (Goldman Sachs), Ally Bank, and others hold about 10% of domestic deposits.

Community Bank 195

Community Bank Community Industry Online 195

South State Correspondent

APRIL 30, 2022

We examine the roughly four thousand FDIC-insured commercial banks and S&L associations over the last four decades. The graph below is from the CME Group’s FedWatch tool and shows the market’s expectation of the target Fed Funds rate for the July 2023 meeting. Historical Cost of Funds Analysis.

Community Bank 195

Community Bank Strategy Community FDIC 195

Gonzobanker

FEBRUARY 1, 2024

The FDIC Approved This Ad How many times did we hear a speaker admonish the audience to “be sure and sign up for the FDIC notification list.” M&A Dynamics Last year, we left AOBA noting that most bankers were optimistic about deals picking up later in 2023 and that the chances of a raging 2024 were strong. Five Hundred? (Oh

Conference 88

Conference FDIC Arizona Industry 88

Abrigo

OCTOBER 28, 2022

Overall, FDIC-insured commercial banks and savings institutions aren’t seeing dramatic increases in net charge-offs ( Chart 1 ) or rates related to declining asset quality ( Chart 2 ), such as past-due rates and rates for non-current loans. Learn how credit unions can manage capital levels amid credit stress. Watch webinar.

Management 195

Management Risk Management Policies Lending 195

Jeff For Banks

JUNE 2, 2023

//Jeff Marsico remarks to the 2023 New Jersey Bankers' Association Annual Convention: May 19, 2023// Four decades ago, the prolonged savings-and-loan crisis devastated the industry. Between 1980 and 1995, more than 2,900 banks and thrifts with collective assets of more than $2.2 trillion failed. To you, manage your interest rate risk.

FDIC 78

FDIC Community Bank Regulation Lending 78

Fintech Labs Insights

JULY 24, 2024

Big Banks 1 Chase High School Checking 186 million 2 Capital One Teen Banking 121 million 3 Wells Fargo Clear Access 115 million 4 Citizens Student Checking 4.5 million donated in 2023 $198 million saved in 2023 47 million chores completed in 2023 414,000 Apple App Store reviews (4.8 7 Till 2018 Nantucket, MA 20,000 $6.0

CA 15

CA Atlanta Phoenix Philadelphia 15

CFPB Monitor

JUNE 25, 2020

Banks subject to the general performance standards and banks subject to the wholesale and limited purpose bank performance standards must comply with the new CRA framework by January 1, 2023. Small and intermediate banks must comply with the rule by January 1, 2024.

Community 97

Community Lending Meeting Retail 97

CFPB Monitor

DECEMBER 8, 2022

the SEC for registered brokers or dealers) or, if Section 2 does not assign a “primary financial regulatory agency,” the FDIC. The ILCs subject to this FDIC authority would include ILCs approved for deposit insurance on or before September 23, 2021. 5301) (e.g.

FDIC 78

FDIC Company Industry Regulation 78

American Banker

JULY 27, 2023

The FDIC proposed raising capital requirements for banks with $100 billion or more in total assets gradually over the next five years. Republican appointees on the board opposed the rule as excessive and impetuous.

Capital 69

Capital FDIC Policies Compliance 69