South State Correspondent

APRIL 30, 2022

In this article, we analyze the industry’s cost of funding earning assets (COF) and track how community banks’ COF behaves relative to larger banks. In future articles, we will explain our modeling for community banks’ COF based on inflation, Fed Funds rates, consumer consumption and the Fed’s balance sheet runoff.

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Community Bank Strategy Community FDIC 195

American Banker

AUGUST 8, 2024

s focus on implementing stricter control over brokered deposits is misguided, a former chairman on the agency writes, and misses the real lessons of 2023's bank failures. The Federal Deposit Insurance Corp.'s

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FDIC Community Bank Community Compliance 78

Jeff For Banks

MAY 30, 2024

trillion in domestic deposits, according to the FDIC's Statistics at a Glance. In December 2023, a full three quarters after the Fed paused its tightening of the Fed Funds Rate (QT continued), domestic deposits stood at $17.3 trillion in December 2023. Nine hundred billion dollars, or 5% of deposits. Louis Fed, went from $5.2

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Strategy St. Louis FDIC Retail 106

Abrigo

MARCH 17, 2022

The 2022 stress test scenarios provide a blueprint for community banks and credit unions to get started on their own stress tests. Banks and credit unions can tailor them to their own instances rather than building them from the ground up – editing the regulator-developed scenarios as opposed to creating them from scratch. "a

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Capital Regulation Risk Management Community 195

South State Correspondent

MARCH 15, 2023

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. This is compared to about 40% at most banks. The ratio would provide a bank’s current core capital position to risk-adjusted assets.

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social media FDIC Branding Management 195

ABA Community Banking

DECEMBER 16, 2024

The total number and value of small-business and small-farm loans made by financial institutions subject to the Community Reinvestment Act declined in 2023 compared to the previous year, the banking agencies reported.

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Lending Data Community Report 52

ABA Community Banking

MARCH 7, 2024

The banking industry reported full-year 2023 net income of $256.9 billion, down $6 billion, or 2.3%, from the prior year, but still well above the pre-pandemic average, according to the FDIC’s most recent Quarterly Banking Profile.

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Industry Report FDIC Community Bank 52

ABA Community Banking

MAY 29, 2024

The banking industry reported net income of $64.2 from the previous quarter, according to the FDIC’s most recent Quarterly Banking Profile released today. The figure was down from Q1 2023, when FDIC-insured banks and savings institutions earned $79.8 billion or 79.5%

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FDIC Industry Report Community Bank 52

Jeff For Banks

DECEMBER 10, 2024

Although one might argue that First Citizens BancShares of Raleigh is a SIFI as it had $220 billion of total assets, roughly the size of Silicon Valley Bank when it failed. The FDIC designated SVB as systemically important. My method was to search for the best banks based on total return to shareholders over the past five years.

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Las Vegas Lending Community Bank North Carolina 70

American Banker

MAY 17, 2023

(..)

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CFPB Monitor

APRIL 3, 2023

On March 30, 2023, the White House endorsed several proposals to strengthen regulatory requirements for the banking industry in the wake of the Silicon Valley Bank and Signature Bank failures.

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Regulation Industry FDIC Community Bank 78

American Banker

DECEMBER 28, 2023

Though new bank formation slowed somewhat in 2023, with only five de novos opening, the stage appears set for a more active year in 2024 with a number of groups working toward a charter.

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Groups FDIC Community Bank Industry 36

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. credit default swaps anyone?).

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FDIC Community Bank Regulation Lending 60

Abrigo

SEPTEMBER 14, 2022

The CFPB plans to issue a final rule implementing Section 1071 small-business reporting requirements by the end of March 2023, according to court filing. Many community banks and credit unions have typically been exempted from this data collection in the past. FDIC Releases Formal and Informal Enforcement Actions Manual.

Lending 195

Lending Data Regulation Community 195

Gonzobanker

DECEMBER 19, 2024

This bank pursues unique niches that other banks might find risky, but Western Alliance goes deep with specific industry and credit expertise to turn out a whopping 3.61% net interest margin with only a.45% Were glad to see Western Alliance at full tilt after short-sellers and naysayers gave the bank reputational trouble in 2023.

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Fraud Fintech Marketing Industry 78