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

South State Correspondent

APRIL 16, 2024

In this article, we highlight the details of these digital wallets and provide bankers with five marketing campaigns to bring these deposits back on balance sheet. In 2023, the global value of these digital wallets was approximately $9T. According to a recent Capital One study done at the start of this year, 65% of U.S.

FDIC 195

FDIC Examples Study Samsung 195

Fintech Labs Insights

JUNE 23, 2023

And only 7 of those are fintech market specialists. Related: The 8 Biggest Real Estate Technology & Proptech Events in 2023 VC Challengers: 7 Largest U.S. Here is our curated list of accelerators actively looking for fintech startups. Ranked more or less by their total portfolio of fintech graduates.

San Francisco 15

San Francisco Fintech CA Charlotte 15

Fintech Labs Insights

JUNE 26, 2023

Are we about to see a rush of fintech startups serving the interest-sensitive small business market? But what we will surely see is challenger banks dusting off their sweep features and emphasizing them in their marketing and branding. 2021 SF $14 12,000 Source: FintechLabs, Crunchbase, SimilarWeb, 26 June 2023 1.

Digital Banking 15

Digital Banking Online FDIC San Francisco 15

Fintech Labs Insights

APRIL 4, 2023

Within days of the fall of Silicon Valley Bank, challenger small-business banking provider Mercury , was in market with a timely solution to deposit insurance stress. The new Mercury Vault ( company announcement , 13 March 2023 ) includes $5M of FDIC insurance (achieved by shipping deposits in excess of $250k to a network of 20 banks).

FDIC 15

FDIC Online Tools Digital Banking 15

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. The final number is the asset beta, or the community bank’s stock risk (volatility of returns) relative to the overall market. as of Q1/23.

Community Bank 195

Community Bank Community Capital Policies 195

South State Correspondent

MAY 7, 2024

With the assistance of the FDIC, Fulton Financial acquired certain assets, debt and deposits of Republic Bank. However, that faster growth was not unusual and reflects the bank’s higher growth markets. In fact, until 2023, the bank’s interest expense to average assets was at par with peers.

Risk Management 195

Risk Management Security Management Groups 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. Previously, if banks were able to borrow against these securities, it would be at 98% of the market value or less, depending on the investment type.

social media 195

social media FDIC Branding Management 195

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. The last two hikes were 75bps, and the market expects another 75bps in September. Many bankers see the data above as innocuous, but we need to understand what this portends for the industry.

Community Bank 195

Community Bank Community Industry Online 195

South State Correspondent

APRIL 30, 2022

Based on the futures market, the Federal Reserve is expected to raise the Fed Funds rate to 3.00% at its December 2022 meeting. We examine the roughly four thousand FDIC-insured commercial banks and S&L associations over the last four decades. The Fed will also aggressively shrink its balance sheet to tame unwanted inflation.

Community Bank 195

Community Bank Strategy Community FDIC 195

CFPB Monitor

MARCH 16, 2023

On February 27, 2023, the Consumer Financial Protection Bureau (CFPB) entered into a consent order against RMK Financial Corporation d/b/a Majestic Home Loan (RMK), a California-based mortgage lender, based on allegations that it falsely implied government endorsement of its home loans in its marketing.

California 78

California Lending Marketing FDIC 78

Fintech Labs Insights

NOVEMBER 10, 2023

The legacy players held their market share by providing digital services deemed “good enough” to retain customers loath to switch banks. Consumers (Nov 2023) first appeared on Fintech Labs SMB Center. The first, online bank Security First Network Bank (SFNB) launched in 1995, just a year after Amazon.com.

Digital Banking 15

Digital Banking Online Atlanta Las Vegas 15

CFPB Monitor

OCTOBER 21, 2021

The CFPB, Federal Reserve Board, FDIC NCUA, OCC, in conjunction with the state bank and state credit union regulators, jointly issued a statement on managing the transition away from LIBOR (Joint Statement). Fallback language.

Regulation 78

Regulation Management FDIC Risk Management 78

Abrigo

MARCH 17, 2022

Takeaway 2 The severely adverse scenario from regulators presents a very severe global recession combined with severe stress in the CRE market and the corporate debt market. The Federal Reserve Board, OCC, and FDIC provided two hypothetical scenarios: baseline and severely adverse. Why financial institutions stress test.

Capital 195

Capital Regulation Risk Management Community 195

Fintech Labs Insights

MAY 2, 2023

Below is our curated list of the best global banking tech events, conferences and trade shows in 2023. These are the largest events in the financial services industry geared towards banking technologists, program managers, marketers, developers and C-Suite execs at both legacy financial institutions and upstart banktech and fintech firms.

Las Vegas 12

Las Vegas San Francisco San Diego Conference 12

Gonzobanker

FEBRUARY 1, 2024

We can’t sleep on non-bank competition, bigger banks controlling even greater market share, or big tech and embedded finance. 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.” Five Hundred? (Oh

Conference 88

Conference FDIC Arizona Industry 88

Jeff For Banks

OCTOBER 15, 2021

You've been conservative, preferring the stability and security of bank deposits versus the gyrations of the market. Sure, your home value declined, but what does that mean to someone with little to no mortgage and isn't in the market to sell? Forcing savers into equities, which has driven markets up. Taxes go down? real return.

Taxes 78

Taxes FDIC Guidelines Policies 78

CFPB Monitor

JULY 6, 2022

The agenda’s preamble indicates that the information in the agenda is current as of April 1, 2022 and identifies the regulatory matters that the Bureau “reasonably anticipates having under consideration during the period from June 1, 2022 to May 31, 2023. The agenda indicates that the Bureau estimates issuance of a final rule in March 2023.

Lending 78

Lending Regulation FDIC Data 78

Fintech Labs Insights

APRIL 6, 2023

Are we about to see a rush of fintech startups serving the interest-sensitive small business market? But what we will see is the challenger banks dusting off their sweep features and emphasizing them in their marketing and branding. 1,400 reviews) – Trustpilot : 3.6 (550 550 reviews) 2. 1,818 reviews) 3.

Digital Banking 15

Digital Banking Online FDIC San Francisco 15

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. The TDR designation prompted a requirement for separate accounting using discounted cash flow models.

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. What caused it?

FDIC 78

FDIC Community Bank Regulation Lending 78

CFPB Monitor

JUNE 15, 2020

The OCC acted alone in issuing the final CRA rule without waiting to achieve consensus with the FDIC, the agency with which the OCC had jointly issued the proposed rule. Our next blog post will address differences among the OCC’s final rule, the FDIC’s proposed rule, and the Federal Reserve’s existing regulations.

Community 60

Community FDIC Lending Examples 60

American Banker

SEPTEMBER 12, 2023

The securities have been hard to sell in part because the bonds will probably pay below-market coupons for years.

US 36

US Security Marketing FDIC 36

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. This activity will be repeated for other product lines.

Community 97

Community Lending Meeting Retail 97

CFPB Monitor

JANUARY 28, 2021

Specifically, large banks and wholesale and limited purpose banks must comply by January 1, 2023, and small and intermediate banks that choose to opt-in to the performance standards contained in the OCC’s final rule have until January 1, 2024 to comply.

Community 131

Community FDIC Lending Survey 131

CFPB Monitor

DECEMBER 18, 2020

The OCC has merely speculated that Madden has caused uncertainty in secondary credit markets and, in any event, application of state rate caps to non-banks does not significantly interfere with national banks’ ability to make and sell loans. White who was appointed to the federal bench in 2002 by President George W.

FDIC 78

FDIC District of Columbia North Carolina New Jersey 78

CFPB Monitor

FEBRUARY 19, 2021

(Similar uncertainty exists as to the OCC’s “true lender” rule and the FDIC’s Madden -fix rule which are also the subject of pending litigation. Unlike contract rights, Section 85 preemption is a statutory privilege that cannot be assigned.

FDIC 78

FDIC National Illinois Exercises 78