Abrigo

MARCH 9, 2015

The latest FDIC Quarterly Banking Profile was just released and the industry continues to be led by the nation’s community banks. percent of community banks were unprofitable during the quarter. Here are a few other highlights of community banks from the report : Net interest income up more than 6 percent.

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South State Correspondent

AUGUST 21, 2022

Last week we wrote about loan-level vs. balance sheet hedging for community banks and provided our loan proposal generator ( HERE ). We compared and contrasted the two strategies and sized the market for community banks. A community bank may transact one or only a few balance sheet hedges over many years.

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Abrigo

APRIL 12, 2016

The FDIC is offering a fresh take on how a bank’s board of directors should understand and manage risk. The regulator’s April edition of Supervisory Insights provides what the FDIC called a “refresher” on its Pocket Guide for Directors, the 1988 booklet outlining the basic duties and responsibilities of a bank’s board of directors.

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South State Correspondent

SEPTEMBER 3, 2024

Most community bankers we talk believe they will get a boost to bank performance with declining short-term rates. In this article we will quickly highlight the relationship between NIM and ROA/ROE and look at studies and historical trends of NIM in declining interest rate environments.

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Abrigo

MARCH 31, 2025

Kirby cited FDIC statistics showing nearly three-quarters of community banks require three or more levels of approval, regardless of the loan size. Dont tell me things I dont need to know or that are not germane to the process. You dont need the board to be looking at a half-million dollar deal, Kirby said.

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Perficient

DECEMBER 27, 2023

Additionally, the recent rule by the OCC, the Federal Reserve, and the FDIC strengthens and modernizes Community Reinvestment Act (CRA) regulations. Your Expert Partner Perficient’s Financial Services Risk and Regulatory CoE will continue updating our audience with more upcoming articles dissecting the 1,400+ page CRA.

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Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. This article looks at trends in growth and composition as well as legal, regulatory, and competitive pressure on noninterest earnings. Community banks target growth. Types of Noninterest Income.

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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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Abrigo

AUGUST 3, 2017

The FDIC paper The Entry, Performance, and Risk Profile of De Novo Banks published in April 2016 reports that the number of de novo bank failures and acquisitions annually has drastically declined since 2010, primarily due to the fact that new bank formations have become nearly inexistent. Some of these changes include: 1.

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South State Correspondent

MARCH 13, 2023

While we will cover the general lessons HERE , in this article, we wanted to focus on the root cause – how and why interest rate risk caused the second-largest bank failure in US history (Washington Mutual was the largest in 2008). Notably, most community banks’ duration risk is in the loan portfolio.

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Abrigo

MARCH 17, 2015

According to the latest FDIC Quarterly Banking Profile, community banks continue to thrive and lead the industry. percent achieved that threshold in the fourth quarter of 2014 – they aren’t just competing with large, national banks; their community bank counterparts also account for much of their competition.

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Abrigo

MAY 5, 2022

Would you like other articles like this in your inbox? Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S. Main Street Banking: A Podcast for Community Bankers 8. And all release a new episode at least monthly. Takeaway 2 With 2.8 BankTalk 3.

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Jeff For Banks

DECEMBER 10, 2024

The FDIC designated SVB as systemically important. They were under an FDIC consent order from 2014 through 2020 relating to their BSA and OFAC compliance and their relationship with third parties seeking access to the banking system. Interesting there is no bank that I would deem a traditional community bank. There they are.

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South State Correspondent

MARCH 15, 2023

This article highlights ten not-so-evident lessons of the banking crisis that every banker must consider going forward. 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.

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Abrigo

JUNE 11, 2021

Would you like other articles on asset/liability management in your inbox? FDIC) noted in its 2021 Risk Review. Measuring Interest Rate Risk Can Vary by Institution Interest rate risk measurement plays a key role in ensuring an institution's safety and soundness.

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Abrigo

DECEMBER 22, 2023

Abrigo's top risk management articles The risk management blogs banks and credit unions are reading Probability of default, CECL model validation, and CRE risk are hot topics that risk management and accounting professionals will be tracking in the coming months.

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Abrigo

JULY 20, 2021

Want other articles like this on SBA loan origination in your inbox? Even if community businesses don’t end up utilizing the federally guaranteed loans , many small businesses have heard of SBA loans and want to explore them. SBA loan origination can be especially lucrative for community financial institutions now.

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Abrigo

JULY 20, 2021

Would you like others articles like this in your inbox? Even if community businesses don’t end up utilizing the federally guaranteed loans , many small businesses have heard of SBA loans and want to explore them. SBA lending is especially lucrative for community financial institutions now.

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Gonzobanker

MAY 4, 2020

million fundraise including community bank participants Bank of St. Elizabeth, Coastal Community Bank, First Financial Bank, Kearny Bank, Provident Bancorp and Sunwest Bank. LendingClub/Radius Bank: The acquisition of Radius Bank would bring an FDIC-approved, low-cost source of deposits and broader banking services to LendingClub.

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Jeff For Banks

OCTOBER 4, 2014

So said John Authers in a recent Financial Times article. Now the amount of money in US registered investment companies exceeds that in FDIC insured banks. Banks remain centers of communities and the number one source for capital for small business. And I believe him. Bankers have been killing banks for decades.

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Independent Banker

SEPTEMBER 25, 2014

As a group, community banks spend substantial funds hiring outside consultants to help with various management functions, and a substantial share of dollars are spent to help oversee their risk management and compliance activities. Community banks often already have the expertise handy in-house, they say. By Vanessa Drucker.

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Jeff For Banks

DECEMBER 10, 2023

Although one might argue that First Citizens BancShares of Raleigh is a SIFI as it climbed to the 19th largest in the country with its Silicon Valley Bridge Bank acquisition from the FDIC, and that the FDIC designated SVB as systemically important. Communities First Financial Corporation (Now FFB Bancorp) (OTCQX: FFBB) #2.

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CFPB Monitor

JUNE 10, 2021

Dougherty recently authored an article calling for the OCC’s abolishment and merger into the Federal Deposit Insurance Corp. We also discuss and respond to Mr. Dougherty’s criticism of the OCC’s “true lender,” Community Reinvestment Act, and fair access rules. Click here to listen to the podcast.

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NCR

NOVEMBER 15, 2016

Aware of the disruptive changes in how banking products and services are delivered, community banks continue adopting new technologies to keep up with competition and customers’ demand. Will a mobile banking app really help to solve community banks’ challenges or is it just a waste of money? What does it mean for community banks?

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Jeff For Banks

FEBRUARY 6, 2011

The FDIC has nearly quadrupled its enforcement actions (“EA”) over the past three years. There are many Articles in EAs, and the strategic planning article in the above institutions is one of many. Why do many, if not most of these orders contain Articles relating to strategic and capital plans? I would vote no.

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Abrigo

SEPTEMBER 5, 2023

In this article, I'll cover what a credit exception is, recommendations for creating loan/credit exceptions, and tips for developing an exception policy for the financial institution. As the FDIC said recently: Exceptions to policy should be few in number and properly justified, approved, and tracked.

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CFPB Monitor

FEBRUARY 23, 2022

The agencies consist of the CFPB, FDIC, OCC, Federal Reserve Board, NCUA, HUD, DOJ, and FHFA. In a blog post about the Interagency Statement , the CFPB noted that “[c]reating programs that work to serve disadvantaged individuals and small businesses can provide an important means of addressing unmet needs while strengthening communities.”

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Jeff For Banks

AUGUST 22, 2014

The report, as cited in the article , (via @CUInsight) stated credit union investment revenues equated to $360 per million in share deposits, and that number was 21% greater than in banks, implying bank reps achieve $298 per million in deposits. trillion in assets , while bank assets in all FDIC insured financial institutions was $14.7

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Jeff For Banks

MAY 20, 2017

and New York Community Bancorp called off their planned merger. Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending.

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MyBankTracker

MAY 14, 2020

Even if the bank fails and cannot return your money to you, the Federal Deposit Insurance Corporation (FDIC) offers up to $250,000 in insurance. Credit unions are a popular alternative to banks because of their community focus. However, they don’t receive insurance from the FDIC. NCUA vs. FDIC. Related Articles.

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Jeff For Banks

MAY 16, 2015

Executive recruiter Alan Kaplan recently wrote an article for Bank Director magazine titled What Makes Great Boards Great. Sure, there will be some that do. But my suspicion is there are more that do not. How could they? It's 300 pages! In two days! And most Board members have full time jobs!

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Jeff For Banks

DECEMBER 16, 2022

Communities First Financial Corporation (OTCQX: CFST) Communities First Financial Corporation is the bank holding company for Fresno First Bank , which opened in December 2005 dedicated to meeting the banking needs of businesses, professionals, and successful individuals in Central California. Triumph Bancorp, Inc. Nasdaq: TBK) #4.

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Jeff For Banks

JULY 16, 2011

In the post, Mr. Johnson states "The problem is that some community banks do not have big enough loss-absorbing buffers — the role that bank equity plays." The context was bank failure risk is mitigated by FDIC insurance. But in his post (see link below), he makes two comments that bears refutation: 1. Certainly equity plays the role.

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The Financial Brand

SEPTEMBER 24, 2024

This article Data Blind Spots and Data Opportunities: What Banks and Credit Unions May Be Missing appeared first on The Financial Brand. Community banks face data blind spots in a dynamic market. This article Data Blind Spots and Data Opportunities: What Banks and Credit Unions May Be Missing appeared first on The Financial Brand.

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Long Lasting Ideas

MARCH 3, 2016

I’ve written several articles about the future of banking, but it appears the Financial Accounting Standards Board could be putting nails in a few coffins. FASB’s complex proposal (Current Expected Credit Loss, or CECL) would force community banks to record a provision for credit losses the moment they make a loan.

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Community Bank Marketing Strategies Community Regulation 40

Jeff For Banks

APRIL 29, 2021

The challenge was that it was a book designed for community financial institutions. I have written many articles for multiple publications. I have written many articles for multiple publications. She tore up my articles to sometimes unrecognizable levels. Very niche. Not a large audience. You betcha.

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Ublocal

FEBRUARY 11, 2022

In this article, we’ll take a closer look at investment portfolios, which are simply a collection of assets such as stocks, bonds, mutual funds, index funds and exchange-traded funds (ETFs). Union Bank’s long history in the community is the reason our Vermont and New Hampshire clients put their trust in us.

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