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. It also means removing ritualistic contentsuch as unnecessary analysis of debt service coverage for a working capital linewhen it doesnt directly relate to how the loan will be repaid.

Analysis 195

Analysis Risk Management Management Data 195

Abrigo

NOVEMBER 11, 2019

ALM | 4 minute read Key Takeaways Many financial institutions view asset/liability management as a "check-the-box" regulatory exercise. An extreme focus on using ALM to manage the risk of rising rates means some FIs overlook using ALM to grow earnings and capital, putting them at risk of underperformance. ALM seen as checking the box.

Management 150

Management FDIC Community Risk Management 150

South State Correspondent

AUGUST 21, 2022

Lending Discipline: Hedging programs make loan pricing more transparent and force bankers to exercise sensible pricing methodologies. Second, community banks should use FDIC-insured institutions as hedge providers, and the hedges must be structured as qualified financial contracts (QFC).

How To 195

How To Community Bank Community FDIC 195

South State Correspondent

MARCH 15, 2023

It turns out that confidence is more valuable than capital. 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. The ratio would provide a bank’s current core capital position to risk-adjusted assets.

social media 195

social media FDIC Branding Management 195

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. Banks and credit unions must be able to adjust when necessary to ensure viability of the institution and the ability to supply capital to their local economy.

Capital 195

Capital Regulation Risk Management Community 195

Abrigo

MARCH 25, 2020

Regulators also announced other guidance tied to reporting and risk-based capital rules. Examiners will not automatically adversely risk rate credits affected by COVID-19, including those considered TDRs, but will exercise judgment in reviewing loan modifications. Modifications not automatically TDRs.

FDIC 150

FDIC Regulation Exercises Community 150

Gonzobanker

JUNE 1, 2023

The strong Gonzo Bankers have managed through the short-term challenges of slowing deposit outflows, shoring up liquidity and capital positions, and communicating with customers. Executive teams that own scenario analysis as a fundamental strategic exercise and not simply a regulatory requirement will make out better in the years ahead.

Capital 155

Capital Strategy social media Analysis 155