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Bottom-Up Capital Calculations

Jeff For Banks

Ten years ago I wrote What's Your Well-Capitalized on these pages. It was in response to regulators persistently asking bankers the same question. Today, we have not done much about it because we have relied on that lazy space using the regulatory definition of well capitalized. Or at least regulatory expectation of it.

Capital 101
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Capital Assessment, Capital Planning Are Critical as Coronavirus Creates Chaos

Abrigo

Key Takeaways Stress tests and capital planning are vital to financial institutions in volatile times like these, when the coronavirus and pressures on the energy sector result in a financial crisis. Regulators will have elevated interest in credit risk and the resulting impact in the months ahead.

Capital 248
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Here is The Largest Reason for Community Bank Consolidation

South State Correspondent

Community banks (under $10B in assets) serve a key role for borrowers, local communities, and the broader US economy. Community banks are better positioned than many other creditors to follow and adapt to local economies, industries and trends, thereby, being better stewards of capital.

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Cannabis lending for financial institutions: Opportunities, risks, and best practices

Abrigo

Cannabis-related businesses (CRBs)spanning everything from cultivation to retailrepresent a market in need of lending services, from working capital to real estate and equipment loans. Federal regulations under the Controlled Substances Act (CSA) still classify marijuana as a Schedule I substance, along with heroin and methamphetamine.

Lending 195
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Regulation Crowdfunding Tackles The Startups Shunned By Banks

PYMNTS

Government-backed loan schemes like the Paycheck Protection Program (PPP) connected vital capital to small- to medium-sized businesses ( SMBs ) in need of aid to stay afloat. Even with a surge in PPP financing, many early-stage businesses continue to struggle to access capital from traditional sources. The High-Risk Perception.

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Capital One-Discover deal critics, supporters sound off

Payments Dive

While some community groups spoke in favor of the $35.3 billion merger at the Friday virtual meeting, a raft of critics urged regulators to block the deal.

Capital 195
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Managing interest rate risk in 2024: Strategies for community banks

Abrigo

Navigating interest rate management in today's environment As regulators focus on interest rate risk management, read about what financial institutions can do to be ready for a rate drop. Capital and liquidity management Maintaining a strong capital position and managing liquidity are foundational to managing interest rate risk.