South State Correspondent

MAY 22, 2024

In this article, we highlight the state of the bank commercial real estate office lending sector and make an argument about why banking might be better off than most analysts think. The State of Office Lending Risk – Traffic 2024 will mark the fifth consecutive year where office demand has declined.

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Lending Marketing Philadelphia San Francisco 195

South State Correspondent

JANUARY 22, 2023

In a previous article ( here ), we discussed why commercial loan prepayment protection would be a critical return on asset (ROA) driver for community banks in 2023. The post 4 Ways To Quantify Loan Prepayment Protection in 2023 appeared first on SouthState Correspondent Division. The greater fool theory breaks down in a recession.

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Community Bank Community Capital Maine 195

South State Correspondent

JULY 7, 2024

In commercial banking, lending optionality occurs for liquidity, credit, or interest rates. This example of a two-way asymmetrical liquidity option is common at most banks, and this was the primary cause of several high-profile bank failures in 2023. In contrast, borrowers hold the option to prepay assets.

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Lending Community Bank Community Exercises 195

South State Correspondent

JUNE 13, 2023

On our loan hedging desk, we work with hundreds of banks ranging in size from just over $100mm in assets to some national banks with over $1T in assets. The post 10 Loan Pricing and Structuring Observations for 2023 appeared first on SouthState Correspondent Division.

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Marketing Examples Capital Management 195

Independent Banker

APRIL 30, 2022

Loan providers share an infectious enthusiasm and growing optimism for one vertical’s prospects in 2022: commercial lending. Here’s how community bankers can take advantage of various sectors—including SBA lending—over the next 12 months. anticipates a low double-digit increase in its commercial lending in 2022. Quick Stat.

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Lending Community St. Louis Community Bank 158

South State Correspondent

JUNE 21, 2022

This decision coincided with rate hikes by the Swiss National Bank, its first since 2007, the Bank of England, and the European Central Bank announced at an emergency meeting that they would raise interest rates next month and again in September. Short-term rates are also likely to continue to climb through 2023.

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Community Bank Policies Community Marketing 359

Perficient

NOVEMBER 1, 2024

The following year, in December 2023, the US Treasury Department issued an RFI that sought input to inform its development of a national financial inclusion strategy; that RFI included questions related to the use of technologies such as AI in the provision of consumer financial services.

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Regulation US Community National 221

Perficient

MARCH 3, 2022

Federal bank regulators work together to design Comprehensive Capital Analysis and Review (“CCAR”) stress tests that are designed to ensure that even in the case of a severe recession, significant banks can lend to households and businesses. Covered institutions are required to use specific scenarios to conduct the stress tests.

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Capital Regulation United States Exercises 294

Perficient

JULY 12, 2023

The same organization will typically have a national bank charter, and the OCC is the primary federal banking regulator for that part of the organization. Perficient provides risk management to more than 500 financial services organizations, many of whom have multiple bank regulators.

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Management Risk Management Regulation Compliance 221

Abrigo

OCTOBER 22, 2024

Say "thank you" this National FinCrime Fighter Day BSA professionals and financial crime fighters are tasked with the challenge of protecting our financial system daily. October 26 is National Financial Crime Fighter Day , and it’s the perfect time to pause and applaud everything these professionals do.

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Security Fraud Community National 221

PYMNTS

DECEMBER 23, 2019

More should be learned from the rise and fall of the peer-to-peer (P2P) lending sector, during which regulations were not introduced quickly enough, said economics professor Huang Yiping at the National School of Development of Peking University to Reuters. billion by 2023, up from an estimated $4.5 trade war.

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Regulation Groups Policies Big Data 202

Abrigo

DECEMBER 18, 2023

Critical capital Should CRE lending be off the table? Recent headlines may lead bankers to believe that shunning commercial real estate lending is the safest path to limit or avoid credit risk, given stresses on CRE and regulatory concerns. But that might not be the best move for your financial institution or your community.

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Risk Management Management Lending Capital 221

South State Correspondent

JANUARY 25, 2024

The 10-year treasury hit just over 5% in October 2023, and interest rate volatility is the highest since the great financial crises, as shown in the graph below (ICE swap volatility index). Forward Rate Lock Tools National lenders have been using locks for decades, and these instruments can take many forms.

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How To Community Bank Community National 195

Abrigo

JULY 12, 2021

Takeaway 1 Banks and credit unions moving to CECL in 2023 understandably want to know how Q factors will compare with current practices. is a popular topic among bankers, especially those with a 2023 CECL implementation date, according to Zach Englert, a CECL Consultant with Abrigo’s Advisory Services. Implementing CECL in 2023?

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Analysis Conference Management Regulation 195

Abrigo

DECEMBER 16, 2019

Key Takeaways An SEC filer with a 2020 CECL deadline recommends starting ASAP on implementation -- even if your deadline is 2023. Even now, however, banks and credit unions with 2023 deadlines are seeking information about what the earliest adopters have learned so far in their implementation efforts. Be willing to change as needed. .

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West Virginia Virginia Data Community 195

Abrigo

JANUARY 30, 2024

Consistently rated a top industry event by attendees, ThinkBIG brought together 650 people from banks, credit unions, and partners in 2023. Attendees staying at the resort can take advantage of two world-class golf courses, tennis or pickleball, or escape to the Tierra Luna Spa, a Forbes 2023 four-star Spa Award Winner.

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Conference Arizona Phoenix Fraud 195

Abrigo

AUGUST 13, 2024

Banking on Fraudology Banking on Fraudology is hosted by Hailey Windham, CFCS, who was named a 2023 CU Rockstar. Some recent episode titles include: “How micro-engagements generate sales and build loyalty,” “The art of standing out in financial service marketing,” and “Building a future-ready digital banking platform.”

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Fraud Community Community Bank Lending 221

CFPB Monitor

FEBRUARY 8, 2024

On February 6, 2024, National Credit Union Administration (NCUA) Chairman Todd M. His prepared remarks addressed the 90 th Anniversary of the Federal Credit Union Act, credit union performance in third quarter of 2023, risks posed by third party service providers, liquidity management, and consumer financial protection.

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Lending National Management 78

American Banker

MARCH 7, 2024

Net income at the nation's more than 4,000 banks dipped markedly in the final quarter of 2023, though for the full year it exceeded pre-pandemic averages. Deterioration in commercial real estate and credit card lending is a concern, FDIC Chairman Martin Gruenberg says.

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FDIC Report Lending National 73

CFPB Monitor

NOVEMBER 28, 2022

trillion nationally) are on pace to surpass student loans as the second-largest debt category in 2023. In announcing this request, “Enhancing Public Data on Auto Lending,” the CFPB stated: Financial markets and policymakers have long had access to granular mortgage data that has provided insight into patterns in lending and risk.

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Data Marketing Lending Trends 147

CFPB Monitor

NOVEMBER 2, 2023

On November 30, 2023 at 12:30 PM, ET, Ballard Spahr will hold a webinar entitled “Recent Important Developments in Federal Preemption for National and State Banks: What They Mean for Bank and Nonbank Consumer Financial Services Providers” during which this case will be dissected.

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California Los Angeles Lending National 88

South State Correspondent

AUGUST 21, 2023

Earlier this month, on August 7, 2023, Moody’s Investor Services (“Moody’s”) published a banking sector review. Community bankers often lament the COF advantage at national banks – but the numbers do not support this view. There are significant rollover risks for CRE loans maturing in the next 18 to 24 months.

Community Bank 195

Community Bank Community Capital Analysis 195

South State Correspondent

JULY 25, 2022

2023 View: One extensive conversation that is taking place around bank performance is the fact that the Fed might be done with its rate hiking cycle earlier than planned, and the bulk of margin benefit would have accrued in 2022. Be prepared for the question of if you believe earnings will be lower in 2023.

Trends 195

Trends Lending Marketing Capital 195

FICO

JUNE 1, 2023

2023 started off with unexpected growth, mild recession still predicted this year Reviewing earlier forecasts, many economists were predicting a mild recession to begin in the first quarter of 2023. The numbers: First quarter 2023 GDP released by the U.S. by the end of 2023. from February 2023 to March 2023.

Trends 52

Trends Industry US Cards 52

Abrigo

MARCH 17, 2022

The stress test scenarios present hypothetical levels on common national level economic factors. unemployment rate climbing to a peak of 10% in the third quarter of 2023. from the fourth quarter of 2021 levels to a trough in the first quarter of 2023. The severely adverse scenario outlines the U.S. by the end of the scenario.

Capital 195

Capital Regulation Risk Management Community 195

BankUnderground

APRIL 3, 2024

Net lending represents the overall surplus or deficit, and it is theoretically the same whether you look at it from the income or financial account viewpoint. Evolution of the net lending positions of households and corporates The pre-GFC era was a period of strong growth and low inflation , which coincided with a large expansion of credit.

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Lending Analysis Trends Data 101

CFPB Monitor

FEBRUARY 7, 2024

Several national and Texas banking and business trade groups have filed a lawsuit in the U.S.

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Texas Community Groups FDIC 78

CFPB Monitor

JULY 5, 2023

The FFIEC advises that the Snapshot National Loan-Level Dataset that it released contains the national HMDA datasets as of May 1, 2023, and that key observations from the Snapshot include the following: • The number of reporting institutions increased by about 2.63% from 4,338 in 2021 to 4,460 in 2022.

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Data National Report Lending 78

Jeff For Banks

DECEMBER 10, 2024

Before we begin and for comparison purposes, here are last year's top five , as measured in December 2023: #1. It offers personal and business services to the Maine market, and sports a national lending platform which purchases and originates commercial loans, mostly secured by real estate, and SBA loans, on a nationwide basis.

Las Vegas 70

Las Vegas Lending Community Bank North Carolina 70

Independent Banker

FEBRUARY 28, 2023

Photo by Harold Daniels Derek Williams, president and CEO of Century Bank & Trust in Georgia, is bringing his passion for community banking to his term as ICBA chairman for 2023/24. So, he joined a training program at what was then Citizens & Southern National Bank, once the largest bank in the southeastern U.S.,

Community 172

Community Community Bank Georgia San Antonio 172

Abrigo

SEPTEMBER 22, 2021

CECL disclosure requirements for 2023 filers and others New disclosures are required under CECL in some cases. New Disclosures under CECL New disclosures under CECL, the current expected credit loss model , might not be the top concern of financial institutions shifting to the updated accounting standard in 2023. Credit Quality.

Security 195

Security Examples National Report 195

Abrigo

JULY 7, 2022

With thousands of banks and credit unions pushing to implement the current expected credit loss, or CECL, accounting standard by the 2023 deadline, auditor and regulatory expectations are top of mind. Auditors say involve them early in CECL. Multiple Scenarios Used. Other questions answered by CECL auditors.

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Regulation Management Video Data 195

South State Correspondent

APRIL 10, 2023

CRE Risk Background While ten years ago, community and regional banks use to make up some 55% of the CRE market, in 2023, these banks now compose approximately 72% (below). In secondary and tertiary markets, it is only smaller financial institutions lending. This article explores the risk and what to do about it.

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Community Bank Community Los Angeles Regional 195

BankUnderground

APRIL 28, 2023

GDP data was collected from the Office for National Statistics and FRED® for the UK and US respectively. Second, expanding the analysis beyond 2009 provides evidence on whether Basel III addressed the pro-cyclicality of bank capital and lending. Total lending of large banks was pro-cyclical pre-Basel III, especially in the UK.

Capital 104

Capital Lending US Data 104

BankBazaar

APRIL 11, 2023

National, March 30, 2023: BankBazaar.com , India’s leading fintech co-branded Credit Card platform and online provider of free Credit Scores, closed FY23 with net revenue of ₹160 crore. The company grew its net revenue for FY23 by 60% over FY22 on the back of a 60% growth in its Credit Card issuances.

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Branding Capital Cards Retail 78

CFPB Monitor

MAY 22, 2020

The final rule applies to national banks and federal savings associations. 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.

FDIC 78

FDIC Lending Retail Compliance 78

American Banker

JUNE 16, 2023

As it pushes the boundaries of its Midwestern footprint, the Columbus, Ohio-based bank is on pace to book more than 6,000 7(a) loans in SBA's 2023 fiscal year, the biggest total in seven years.

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Columbus Ohio National Lending 41