Abrigo

SEPTEMBER 16, 2019

Community bankers are largely positive about the future, based on the first results of a new index gauging business sentiment among the financial professionals who serve a critical role in local economies. These insights have the potential to inform the market and policy makers on the overall health of the economy, opportunities, and risk.”.

Community Bank 150

Community Bank Community Policies Survey 150

Jeff For Banks

JANUARY 14, 2021

In June of 2008 I gave a speech titled "The Death of the Community Bank" and in that speech I made predictions. Prediction: The General Bank will become extinct. Much like competitors nip at community banks' customers. Eighteen percent of that group opened an account at a digital bank. Result: Mixed.

Community Bank 130

Community Bank Community FDIC Strategy 130

Abrigo

JANUARY 22, 2015

According to a recent survey from four Federal Reserve Banks, small regional and community banks have the highest approval rate for small business loans. The 2014 Small Business Credit Survey was a joint operation conducted by the Federal Reserve Banks of New York, Atlanta, Cleveland and Philadelphia.

Community Bank 150

Community Bank Community Regional Cleveland 150

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.

Community Bank 195

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 do this profitably by turning transactional accounts into relationships.

Community Bank 195

Community Bank FDIC Community National 195

PYMNTS

JANUARY 9, 2018

With big banks pulling back from small and medium-sized business (SMB) lending in the wake of the global financial crisis, the market was ripe for someone else to fill the credit gap. Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index.

Community Bank 131

Community Bank Community Fintech Lending 131

Abrigo

MARCH 3, 2022

In today’s banking world, community banks are focused sharply on shareholders’ expectations for growth in earnings and return on equity. So, how can community banks support earnings and ROE growth in the face of intense regulatory scrutiny and competitive pressures on profitability? Changing Lending Environment.

Lending 195

Lending Community Marketing Community Bank 195

Abrigo

NOVEMBER 24, 2015

Add FDIC Chairman Martin J. The FDIC said that the percentage of loans and securities with maturities of three or more years hit the highest percentage in the 18 years of data records, rising to 34.6 Community banks have grown their share of longer-term assets even more quickly than the rest of the industry, according to the FDIC.

FDIC 150

FDIC Lending Community Bank Industry 150

South State Correspondent

JUNE 11, 2024

FDIC-insured “Problem Banks” list has been increasing over the past two years. For the community banking industry (banks under $10B in assets), this is particularly troubling as the number of community banks earning negative return on equity (ROE) spiked to 237 institutions in Q1/24, or 5.71% of all community banks.

Community Bank 221

Community Bank Community Analysis Capital 221

PYMNTS

JUNE 25, 2019

Cross River Bank has partnered with a range of FinTech startups since its 2008 launch, including collaborations with Stripe , Coinbase and Affirm , reports said. Its takeover of Seed strengthens its position in the small business FinTech market. reports said.

Community Bank 116

Community Bank Community Digital Banking FDIC 116

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.

How To 195

How To Community Bank Community FDIC 195

South State Correspondent

SEPTEMBER 9, 2024

However, for community banks (under $10B in assets), the ROE declined to 10.44% (from 10.57% in the previous quarter). The Data In Q2/24, the number of FDIC insured community banks declined to 4,104 (a decrease of 27 community banks for the quarter). in the last year for community banks.

Community Bank 195

Community Bank Community FDIC Industry 195

South State Correspondent

NOVEMBER 18, 2024

The current policy directions from the new administration are largely inflationary, and community banks should be paying attention and consider a loan-level hedge strategy. In this manner, banks can enjoy customer profitability through all types of market conditions and can simplify their process.

Strategy 195

Strategy Community Bank Community FDIC 195

South State Correspondent

SEPTEMBER 3, 2024

In the competitive world of banking (retail, commercial, corporate) all else is not equal. A change in market interest rates seems to be an example where a bank’s NIM may change, and all other variables remain the same. The authors studied all rate cycles since 1984 and change in median bank NIM during rising and falling cycles.

Community Bank 195

Community Bank Community FDIC Industry 195

Abrigo

MARCH 31, 2017

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. Eberley, director of the FDIC's Division of Risk Management Supervision wrote in the publication.

FDIC 186

FDIC Risk Management Analysis Lending 186

South State Correspondent

JULY 30, 2023

How should community banks target and compare their ROE to the industry and their peer group, and what defines a top-performing bank? Most importantly, is there an ROE level ensuring a bank remains long-term independent and healthy? Bank ROE Historical Performance Total assets for all FDIC-insured institutions was $23.7T

Community Bank 195

Community Bank Community Capital Policies 195

Independent Banker

MARCH 31, 2022

A secure, open-loop, cost-saving, customer-accessible, multiplatform P2P payments network might sound too good to be true, but community bank consortium Alloy Labs Alliance hopes to achieve just that with the CHUCK payment rail. Julieann Thurlow, CEO of $730 million-asset Reading Cooperative Bank in Reading, Mass.,

Community Bank 91

Community Bank Community Payments Meeting 91

Abrigo

AUGUST 3, 2015

The ABA’s 2015 Survey of Bank Compliance Officers , conducted February through March 2015, had participation from more than 450 financial institutions, with almost 80 percent being community banks. ABA president and CEO, Frank Keating, commented that Dodd-Frank has impacted banks, their customers and the communities they serve.

Compliance 150

Compliance Community Bank Community Survey 150

South State Correspondent

SEPTEMBER 12, 2022

The banking industry’s cost of funds (COF) is highly correlated to short-term interest rates. However, as of Q2/22, the average community bank’s COF has risen only a few basis points. The COF over the past five quarters is shown for three asset peer groups: banks under $1B (3.5k using that six-month lag.

Community Bank 195

Community Bank Community Industry Online 195

ABA Community Banking

JANUARY 24, 2022

The FDIC today said it has partnered with the nonprofit Operation Hope to promote financial education to minority and women-owned businesses. Through the partnership, Operation Hope will use the FDIC's Money Smart financial education resources to help teach how to do business with the agency.

FDIC 92

FDIC Operations Resources How To 92

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Noninterest income associated with the housing markets such as securitization, trading, and real estate slowed significantly during the financial crisis and beyond. Community banks target growth.

Community Bank 195

Community Bank Community FDIC Trends 195

Abrigo

SEPTEMBER 15, 2022

Bank monitoring in construction lending. More construction loan monitoring ultimately decreases loan default, according to a new FDIC Center for Financial Research working paper. While it doesn't necessarily reflect the views of the FDIC, the paper includes preliminary findings from research by FDIC staff and an FDIC Visiting Scholar.

Study 195

Study FDIC Lending Risk Management 195

ABA Community Banking

SEPTEMBER 8, 2021

Banks of all sizes are hearing from many customers that they want exposure to the fast-growing but volatile cryptocurrency market. Vast Bank recently became the first nationally chartered, FDIC-insured bank to offer crypto banking.

Community Bank 64

Community Bank Community Retail FDIC 64

South State Correspondent

MARCH 13, 2023

The failure of SVB is the first example we can recall since the Savings and Loan crisis, where a bank failed mainly because of a duration mismatch between assets and deposits. 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.

Risk Management 221

Risk Management Management Community Bank Community 221

PYMNTS

FEBRUARY 19, 2019

.” Other critics have raised the issue that the OCC is advising examiners to take community group concerns into consideration separately from their M&A approval processes. ” Now, Powell is also raising concerns about how bank industry consolidation could negatively impact the small business community.

Marketing 108

Marketing Community Community Bank Industry 108

CFPB Monitor

AUGUST 31, 2021

The OCC, FDIC, and Federal Reserve Board have issued a guide that is intended to assist community banks in conducting due diligence when considering relationships with financial technology (fintech) companies (Guide). Banks are instructed to reference relevant guidance from the agencies that is listed in a footnote.

Community Bank 78

Community Bank Community Fintech Company 78

South State Correspondent

APRIL 30, 2022

Based on the futures market, the Federal Reserve is expected to raise the Fed Funds rate to 3.00% at its December 2022 meeting. 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. Historical Cost of Funds Analysis.

Community Bank 195

Community Bank Strategy Community FDIC 195

Jeff For Banks

DECEMBER 10, 2024

Although one might argue that First Citizens BancShares of Raleigh is a SIFI as it had $220 billion of total assets, roughly the size of Silicon Valley Bank when it failed. The FDIC designated SVB as systemically important. My method was to search for the best banks based on total return to shareholders over the past five years.

Las Vegas 70

Las Vegas Lending Community Bank North Carolina 70

Abrigo

FEBRUARY 12, 2020

Real Estate Market Outlook. MBA Vice President for CRE Research Jamie Woodwell said in a news release that low interest rates gave CRE markets a boost last year. “In With global bond yields expected to remain extremely low and equity markets likely weaker and more volatile, the stable, solid returns of U.S.

Lending 195

Lending Trends FDIC Survey 195

Abrigo

AUGUST 9, 2017

Avert Risk The OCC’s October 2012 Supervisory Guidance notes that financial institutions that perform stress testing “have the ability to minimize the impact of negative market developments more effectively” than those that do not have a stress testing process in place.

Columbus 150

Columbus Ohio Strategy FDIC 150

South State Correspondent

MARCH 15, 2023

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. This is compared to about 40% at most banks. The ratio would provide a bank’s current core capital position to risk-adjusted assets.

social media 195

social media FDIC Branding Management 195

Jeff For Banks

AUGUST 2, 2021

2/ @Schornack The primary asset of the organization was Flagship Bank Minnesota, a Member FDIC and Equal Housing Lender with two locations in the Twin Cities Metro Area. 3/ @Schornack The bank was under a cease and desist order and struggling with a high level of troubled assets. million in loans in the two locations.

Community Bank 78

Community Bank Community Minnesota Metro 78

Independent Banker

JUNE 30, 2022

Academy Bank COO Tom Kientz notes that the community bank was eager to expand its deposit and loan services. Looking for an avenue to increase its deposit base, Academy Bank tapped into a market it hadn’t explored before: homeowners associations. One of the very quick things we turned to were HOAs,” he says.

Kansas City 91

Kansas City Kansas FDIC Community Bank 91

Independent Banker

JUNE 30, 2022

The Peoples Bank helped the Jones family of Legacy Dairy in Hiseville, Ky., From left, Ally Jones; bank chairman, president and CEO Terry L. Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. American Bank, National Association. First Southern Bank.

Community Bank 172

Community Bank Community National Philadelphia 172

Long Lasting Ideas

JUNE 8, 2016

Often in this space, we’ve written about how Washington has made community banks its personal punching bag. Sarbanes-Oxley, Dodd-Frank, the FDIC and other financial regulators – as well as Congress and the White House — have not been friendly to community banks, all while bailing out Wall Street big boys.

Washington 40

Washington Community Bank Community Marketing Strategies 40

Abrigo

MARCH 17, 2022

Takeaway 1 The 2022 stress test scenarios released by banking regulators for DFAST institutions can help smaller banks and credit unions analyze the potential impact of adverse outcomes. The 2022 stress test scenarios provide a blueprint for community banks and credit unions to get started on their own stress tests.

Capital 195

Capital Regulation Risk Management Community 195

Abrigo

MARCH 2, 2023

Experts have highlighted numerous lessons from Southwest’s experience, many of which can benefit bank and credit union executives, regardless of their institution size, as they manage competing priorities for spending and growth initiatives on banking solutions.

Technology 195

Technology Lending Community Software 195