Gonzobanker

SEPTEMBER 26, 2024

In today’s evolving financial world, bank leaders should look to intellectual capital to create shareholder value. And when these finance brothers and sisters think about a bank’s franchise value, they immediately reference equity capital. According to the FDIC, the banking industry has roughly $2.5 trillion of capital today.

Capital 78

Capital Industry Branding FDIC 78

CFPB Monitor

AUGUST 4, 2022

The FDIC has issued an “Advisory to FDIC-insured institutions Regarding Deposit Insurance and Dealings with Crypto Companies ” to address the agency’s concerns regarding misrepresentations about FDIC deposit insurance by certain crypto companies. The FDIC identifies two issues that can create customer confusion.

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FDIC Risk Management Policies Regulation 78

Abrigo

JANUARY 24, 2024

Account for the details before your FDIC bank acquisition Consider these tips for assessing your institution and a to-be-acquired institution for a smooth integration You might also like this webinar, "Valuation and purchase accounting: Navigating the changing M&A landscape."

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FDIC Regulation Strategy Data 195

Abrigo

OCTOBER 28, 2022

Managing loan workouts and modifications Tips for preparing your bank or credit union to handle an increased volume of problem loans while ensuring prudent credit risk management. Takeaway 2 Meanwhile, banks and credit unions will likely see a beefed-up regulatory emphasis on credit risk management practices, especially tied to CRE. .

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Management Risk Management Policies Lending 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’ main goals are to diligently support their local communities and make an acceptable return on capital in these challenging times.

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Community Bank FDIC Community National 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’ main goals are to diligently support their local communities and make an acceptable return on capital in these challenging times.

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Community Bank FDIC Community National 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.

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Management FDIC Community Risk Management 150

South State Correspondent

MARCH 13, 2023

On the liability side of SVB’s $173B in deposits at the end of 2022, approximately 97% were uninsured and above the $250k in FDIC protection threshold. Based on the bank’s own filing, and like many banks, SVB did not deploy hedging instruments to manage its securities duration risk.

Risk Management 221

Risk Management Management Community Bank Community 221

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.

Management 150

Management FDIC Risk Management Community Bank 150

CFPB Monitor

DECEMBER 28, 2020

The FDIC has issued a final rule setting forth the conditions it will impose and the commitments it will require to approve a deposit insurance application from an industrial bank or industrial loan company (collectively, ILC) whose parent company is not subject to consolidated supervision by the Federal Reserve Board (FRB).

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FDIC Industry Policies Company 78

Perficient

MARCH 22, 2023

Short Capital? SVB Financial had Tier 1 risk-based capital of 15.40% as of December 31, 2022, over 80% higher than the 8.50% regulatory required ratio. Including reserves, the parent company had Total risk-based capital of 16.18%, more than 50% higher than the required ratio of 10.50% for large banks. Tier 1 leverage 8.11

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Report Regulation Capital Management 474

CFPB Monitor

JUNE 13, 2022

One issue raised in the RFI is “to what extent should the CFPB be consulted by the FDIC when considering the convenience and needs factor and should that consultation be formalized?”. Whether the FDIC finds these arguments persuasive is yet to be seen.

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FDIC Groups Community Meeting 78

South State Correspondent

JUNE 11, 2024

FDIC-insured “Problem Banks” list has been increasing over the past two years. We aim to explain the reason for this spike in the percentage of unprofitable community banks so that bankers can better manage their business model. Bank ROE is now a problem. Banks that can generate more non-interest income demonstrate higher ROE.

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Community Bank Community Analysis Capital 221

CFPB Monitor

MARCH 24, 2020

The FDIC has issued a proposed rule setting forth the conditions it would impose and the commitments it would require to approve a deposit insurance application from an industrial bank or industrial loan company (collectively, ILC) whose parent company is not subject to consolidated supervision by the Federal Reserve Board (FRB).

FDIC 60

FDIC Taxes Industry Company 60

MyBankTracker

AUGUST 12, 2020

Personal Capital is an online wealth management concept that started in 2009. billion in assets under management with over 24,200 clients. Today, Personal Capital offers two sets of tools depending on whether you pay for their services or not. How Do Personal Capital’s Free Tools Work? This is done securely.

Tools 52

Tools Capital Management Taxes 52

CFPB Monitor

DECEMBER 20, 2018

The FDIC has issued an Advance Notice of Proposed Rulemaking (ANPR) seeking comment on its regulatory approach to brokered deposits and interest rate restrictions. The FDIC’s current regulations on brokered deposits and interest rate restrictions are set forth at 12 C.F.R. Section 337.6.

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FDIC Regulation Capital Analysis 60

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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FDIC Risk Management Analysis Lending 186

Abrigo

JULY 25, 2017

In a recent Sageworks webinar Robert Ashbaugh, senior risk management consultant at Sageworks, discusses High Volatility Commercial Real Estate (HVCRE) lending best practices. These caps were 100% of capital for construction loans, and 300% for all investor CRE. That 13% represented 80% of the losses to the FDIC insurance fund.

Risk Management 150

Risk Management Management Capital Lending 150

South State Correspondent

JULY 30, 2023

Bank ROE Historical Performance Total assets for all FDIC-insured institutions was $23.7T There are various models investors may use to assess return and risk, but the most widely used is a risk premium model called CAPM (capital asset pricing model). These intangible factors can also lower the bank’s cost of capital.

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Community Bank Community Capital Policies 195

South State Correspondent

MAY 7, 2024

With the assistance of the FDIC, Fulton Financial acquired certain assets, debt and deposits of Republic Bank. Also, interest rates are not high by historical comparison (especially when eliminating the pandemic monetary response), and bank managers’ job is to manage uncertatiny (also called risk).

Risk Management 195

Risk Management Security Management Groups 195

South State Correspondent

MARCH 15, 2023

It turns out that confidence is more valuable than capital. While we wrote about the root cause of the failure of Silicon Valley Bank (SVB) HERE , the lessons of the current banking crisis go beyond interest rate risk management. The ratio would provide a bank’s current core capital position to risk-adjusted assets.

social media 195

social media FDIC Branding Management 195

Perficient

AUGUST 15, 2024

– These are the exact words (with a couple of expletives, that I cannot quote here) – a senior fund administrator from a large investment firm uttered when we were presenting about environment aware financial risk management. How does it impact me?

Risk Management 221

Risk Management Resources Regulation Community 221

Perficient

JANUARY 25, 2023

According to the Federal Deposit Insurance Corporation (FDIC), in 2000, there were 8,000 commercial banks in the United States, but as of March 2022, that number had dwindled to 4,194 operating physical bank branches. Another example is Eno , Capital One’s virtual assistant.

Banking Trends 474

Banking Trends Trends United States FDIC 474

South State Correspondent

AUGUST 21, 2022

Second, community banks should use FDIC-insured institutions as hedge providers, and the hedges must be structured as qualified financial contracts (QFC). We see substantial risk to community banks in dealing with non-FDIC hedge providers or those not offering QFC protection – think Lehman Brothers.

How To 195

How To Community Bank Community FDIC 195

Abrigo

DECEMBER 22, 2023

Takeaway 2 Management reports, probability of default, and model validation topics were found in the top blogs for risk professionals. Takeaway 3 Updates on interest rate forecasting and best practices for managing CRE risk were among the most-read blogs. The FASB’s description of proposed changes can be found here.

Risk Management 221

Risk Management Regulation Management Lending 221

PYMNTS

DECEMBER 16, 2020

The rollout makes Quontic “the first FDIC insured financial institution in the U.S. In addition, financial services company NYDIG is collaborating with Quontic to offer the custody platform that will be harnessed to manage the crypto rewards. resident and non-resident global customers can open a FDIC-insured U.S. Aeldra’s U.S.

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Bitcoin FDIC Cards California 157

Abrigo

JULY 1, 2015

A segmentation strategy, though, is a great place to start to nail down an effective and efficient process – not only will it serve a substantial purpose for the ALLL, but also as a larger risk management tool. The ability to adequately meet ALLL, stress testing and other risk management requirements relies upon sound segmentation practices.

Risk Management 150

Risk Management Management Strategy Lending 150

South State Correspondent

SEPTEMBER 16, 2024

The Data Behind The Drivers of ROA In Q2/24 the number of FDIC-reporting community banks was about 4,100. This underperformance is a result of these banks not having the strategy and the tools to earn above their cost of capital. The ROA for the community bank sector is shown in the graph below. Approximately 5.7%

Community Bank 195

Community Bank Community Analysis Tools 195

PYMNTS

DECEMBER 2, 2020

The funding round was led by new investor Coatue Management, a slew of celebrity backers and Big Tech executives. Stripe invested in this round as well, as did returning investors Crosslink Capital, Collaborative Fund and Will Smith’s Dreamers VC. Users can transfer funds in real time without any fees.

Fintech 217

Fintech FDIC Management Resources 217

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. It’s important to demonstrate that management is deeply engaged in responding to outside conditions and all the bank’s stakeholders.

Capital 151

Capital Strategy social media Analysis 151

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. A low interest rate environment 2.

Oklahoma City 150

Oklahoma City FDIC Handbook Oklahoma 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. Regardless of regulatory pressure, measuring and managing key risks are the cornerstone of community financial institutions’ enterprise risk management (ERM) programs.

Capital 195

Capital Regulation Risk Management Community 195

PYMNTS

JUNE 10, 2019

The company has reportedly been hiring numerous product managers and engineers. The major products being developed include “payment experiences” that aim to help riders and Uber Eats users to save money or to help drivers manage their own money, according to a posting for a job. Uber also lets drivers get paid daily instead of weekly.

Fintech 214

Fintech San Francisco FDIC New York 214

Abrigo

JANUARY 29, 2020

Key Takeaways The FDIC issued an advisory to FIs encouraging safe and sound lending practices in today's ag lending environment. FDIC) issued an advisory to financial institutions encouraging exceptionally safe and sound lending practices in agricultural lending. On January 28, the Federal Deposit Insurance Corp.

Lending 195

Lending How To FDIC Survey 195

PYMNTS

MAY 4, 2020

Robinhood Markets, coming off a new $280 million funding round backed by Sequoia Capital, has seen its value and services expand during the coronavirus pandemic, according to a Reuters report. 1 on PYMNTS’s personal finance rankings , with its commission-free trading being popular and new money management features also giving it a boost.

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FDIC Fintech Millennials Management 131

South State Correspondent

APRIL 16, 2024

According to a recent Capital One study done at the start of this year, 65% of U.S. FDIC insurance doesn’t matter until it matters, and the funds in many digital wallets are not insured. Many of these account holders would be open to hearing about what banks can do for them regarding treasury management and payments.

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FDIC Examples Study Samsung 195

Abrigo

JUNE 11, 2021

Would you like other articles on asset/liability management in your inbox? Takeaway 1 Regulators stress sound risk management practices that include the ability to identify and measure interest rate risk (IRR). FDIC) noted in its 2021 Risk Review.

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How To Risk Management Analysis Kansas City 195