Abrigo

OCTOBER 22, 2024

At Abrigo, we’ve always focused on helping financial institutions thrive—not just for their own benefit but for the sake of the communities they serve. It’s about supporting the people who safeguard banks and credit unions from the growing threats of financial crime and who keep capital flowing to small businesses and families.

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Abrigo

NOVEMBER 3, 2016

Some of the most pressing challenges facing community banks and credit unions in the current banking environment include narrow interest rate margins, increasing pressure from regulators, and competition with “too-big-to-fail” mega-banks.

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Abrigo

MAY 8, 2015

In recent months, the momentum around reducing the regulatory burden on the nation’s community banks has continued to gain steam. There are more than 6,000 banks and thrifts under $10 billion in assets and they are often less equipped to deal with complexities brought by additional regulations.

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Abrigo

FEBRUARY 6, 2025

Meeting investment accounting and reporting requirements The right technology tools can help institutions manage investment accounting compliance and risk exposure across various investment types. Investment accounting compliance not only minimizes operational risks but also reduces regulatory scrutiny. banking regulations.

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Compliance Technology Operations Risk Management 195

South State Correspondent

APRIL 30, 2024

An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks do this profitably by turning transactional accounts into relationships.

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South State Correspondent

APRIL 30, 2024

An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks do this profitably by turning transactional accounts into relationships.

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PYMNTS

NOVEMBER 17, 2017

Think of banking and you might think of lending and deposits, where firms make money on the spread between what they pay savers and what they take in from borrowers. But banks cannot live on interest alone. Additional financial products and services must round out traditional banking activities.

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Independent Banker

DECEMBER 31, 2021

Independent Banker ’s annual Community Bank CEO Outlook survey reveals how community bank leaders plan to leverage today’s deposit-laden banking environment to grow this year. Janet Silveria, Community Bank of Santa Maria. So, what’s at the top of community bank leaders’ to-do lists?

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Abrigo

MARCH 31, 2017

Commercial real estate lending continues to receive regulatory scrutiny and reminders for financial institutions to practice solid risk management. FDIC officials in March outlined several types of weaknesses in loan underwriting, administration and oversight practices that are emerging at some banks with CRE portfolios.

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Abrigo

DECEMBER 22, 2023

download NOW Takeaway 1 The most popular blog posts on the Abrigo site reflect many of the priorities community banks and credit unions had in 2023. Takeaway 2 The top lending and credit blog posts focused on the benefits of banking technology, interest rate management, and developing risk ratings.

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Lending Risk Management Community Management 221

South State Correspondent

JANUARY 6, 2015

For many community banks, a concentration in real estate lending may be an issue. This is especially concerning given the recent decrease in capitalization (cap) rates across many geographies and property classes.

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South State Correspondent

MAY 19, 2015

If you are a large bank, the share of commercial real estate (CRE) as a percentage of your balance sheet is likely slightly less than 5%. However, if you are a community bank, the share is likely over 20%, and growing.

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South State Correspondent

APRIL 4, 2024

Because secular changes occur over decades, many management teams miss the telltale signs of significant secular disruptions—think of a frog boiling slowly in a pot, not appreciating the changes in the water temperature over a longer period. As risk management becomes more prominent, technology and data mining become an indispensable tool.

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Abrigo

MARCH 6, 2015

Thursday also served as a preview for their shareholders of what’s to come next Wednesday, when the Fed announces whether it has approved of each bank’s plans to return some of the reserved capital to shareholders, following the positive results.

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Risk Management Capital Community Bank Regulation 150

Abrigo

NOVEMBER 18, 2016

In a survey of community banks and credit unions at the 2016 Sageworks Risk Management Summit, 42 percent of respondents said Commercial Real Estate, or CRE, lending was their primary focus for loan portfolio growth. Learn more about the Sageworks Credit Risk Management Solution.

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Community Bank Handbook Lending Risk Management 150

Abrigo

AUGUST 30, 2024

Prepare now for potential changes to FHLBs Capital rules and membership criteria are among the areas where banks could see changes in how the Federal Home Loan Bank system operates. You might also like these popular resources on interest rate risk, liquidity, and CECL.

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Abrigo

APRIL 12, 2016

Directors overseeing a bank’s operations are important partners in supervisory efforts, the FDIC noted in the article (“A Community Bank Director’s Guide to Corporate Governance: 21st Century Reflections on the FDIC Pocket Guide for Directors.”). Risk management culture What exactly is a risk management culture?

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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

JUNE 5, 2023

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. They help manage and shape strategy in volatile economic and industry conditions. the Community Bank Leverage Ratio (CBLR) and the minimum Tier 1 leverage ratio).

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Report Risk Management Capital Data 195

Abrigo

MARCH 23, 2015

It is only natural for community banks to have loan concentrations that result from the market(s) they serve and the markets they pursue. In today’s times, a high commercial real estate (CRE) concentration is often the result of community banks pursuing opportunity in the market. Blog Bank Credit Union'

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South State Correspondent

JULY 29, 2024

However, we would like to identify one important macroeconomic variable that will affect the banking industry regardless of the makeup of the legislative and executive branches of the US government. Regardless of who wins, our national debt will continue to increase, and community banks should be prepared for its consequences.

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Community Bank Community US Taxes 195

Abrigo

OCTOBER 6, 2017

During a Sageworks webinar on HVCRE risk management Rob Ashbaugh, senior risk management consultant at Sageworks, explained that clarifications on some of the murkier aspects of the HVCRE (high volatility commercial real estate) rule were anticipated by the industry.

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South State Correspondent

APRIL 10, 2023

Nonetheless, with the recent collapse of sizeable regional banks, regulators, investors, analysts, accountants, and bankers are now scrutinizing the fair value of banks’ securities and loan portfolios. This development should strongly motivate community banks to consider the benefits of loan-level hedging.

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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. Capital One and Fifth Third Bank have launched programs to give customers early access to direct deposits, up to two days. Community banks target growth.

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South State Correspondent

MARCH 19, 2024

In banking, those numbers are markedly different. The average community bank has thousands of customers, and the vast majority (close to 90%) earn zero or negative ROE. At an average bank, the top 10% of customers generate the entire profit for the bank.

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Abrigo

SEPTEMBER 26, 2014

What’s been mostly out of the mainstream news cycle, though, is the effects of regulation following the financial crisis on the community banks– specifically, credit unions. The regulation currently on the table for Congress is a proposed rule from the National Credit Union Administration (NCUA) on risk-based capital.

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Abrigo

JUNE 5, 2015

The piece, titled “Why Banks Should Stop Fighting and Learn To Love Regulators,” suggests that while institutions of all sizes are grappling with increased scrutiny and regulation, the reality is that it is here to stay following the financial crisis. The practice of stress testing can also foster a more positive relationship with examiners.

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Risk Management Community Bank Regulation Survey 150

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. Prudent stress testing as a risk management tool helps the enterprise see where the potential pitfalls are in their plans. Related Subhead.

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Capital Regulation Risk Management Community 195

Abrigo

JUNE 11, 2021

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

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How To Risk Management Analysis Kansas City 195

PYMNTS

APRIL 9, 2020

Second: Eliminate The Capital Crunch . But while Speight agreed that sounds like a terrific way to manage the program — the reality is a bit different — at least right now since the guidance on this topic for bankers has been vague. Edwards said. Bankers want to lend this money out; small businesses desperately need it.

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Lending Capital Washington Risk Management 285

South State Correspondent

FEBRUARY 27, 2024

Community bankers need to practice realistic loan pricing discipline. However, we need to understand the meaning of pricing discipline and its effect on community bank performance. This is strong evidence that community banks are pricing to an arbitrary minimum credit spread in this set of loans. Cost-plus pricing.

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South State Correspondent

JANUARY 30, 2023

Rising funding costs and decreasing liquidity at community banks are causing managers to change pricing methodology for new credits. We estimate that 25% to 50% of community banks have a policy requiring minimum yield or credit spreads for new commercial loans.

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South State Correspondent

FEBRUARY 27, 2022

At SouthState, we use a program called ARC (Assumable Rate Conversion) that allows borrowers to pay a fixed rate of interest for as long as 20 years, but the bank retains a floating rate asset. Current Risk in Term Lending. ARC is custom designed to allow community banks to compete anywhere on the yield curve.

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Independent Banker

OCTOBER 29, 2014

Josh Guttau believes that the long-term competitiveness of community banks will heavily depend on their having great analytical skills and technology. TS Banking Group in Treynor, Iowa. IB: What single word best describes the current community banking industry? Josh Guttau in Iowa on making decisions with data.

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Iowa Analytics Community Bank Risk Management 128

Abrigo

APRIL 1, 2015

A recent Wall Street Journal article by Victoria McGrane and Jon Hilsenrath highlighted how the nation’s regulators are increasingly questioning and turning their focus toward bank boards. These smaller banks have also seen new, and more frequent, attention from regulators. How complex is the bank’s operating model?

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Risk Management Community Bank Regulation Management 150

PYMNTS

MARCH 12, 2020

Equiniti Eyes APIs for Risk Management. Equiniti Group recently revealed its adoption of Codat’s accounting integration API for its Equiniti Riskfactor solution, a tie-up that will see Equiniti’s risk management operations embrace API technology to promote automatic data sharing from small businesses.

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Independent Banker

SEPTEMBER 25, 2014

This is particularly true for community banks preparing to undergo their next regulatory safety and soundness or compliance examination. Regulators and industry consultants agree that community banks are generally doing a great job handling their regulatory oversight and requirements.

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