Abrigo

DECEMBER 11, 2014

In September, the Office of the Comptroller of the Currency (OCC) published final guidelines designed to “strengthen the governance and risk management practices of large financial institutions.” While the final guidance clearly applies to larger financial institutions, community banks should still take note.

Community Bank 207

Community Bank Community Risk Management Guidelines 207

Abrigo

NOVEMBER 13, 2024

Despite borrowing more and tapping credit lines, they're managing leverage and meeting debt obligations, according to Abrigo's proprietary data. As rates stay high, concerns about credit risk and borrower health are top of mind for bank and credit union leaders, especially as it relates to lending to small businesses.

Lending 221

Lending Meeting Data Risk Management 221

South State Correspondent

DECEMBER 17, 2024

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. The number of U.S.

Community Bank 195

Community Bank Community Tools Capital 195

Abrigo

NOVEMBER 18, 2024

Key topics covered in this post: Regulatory focus Key questons for ALCOs Governance and concentration risks Expect the unexpected Regulators 'could not be more clear' Today’s regulatory climate is turning up the heat on financial institutions when it comes to liquidity and interest rate risk management.

Risk Management 195

Risk Management Regulation Policies Management 195

Abrigo

MARCH 31, 2025

The lender needs to put forth an accurate and complete picture of the borrowernot only for the borrowers sake, but also for the financial institutions risk management. Kirby cited FDIC statistics showing nearly three-quarters of community banks require three or more levels of approval, regardless of the loan size.

Analysis 195

Analysis Risk Management Management Data 195

South State Correspondent

JUNE 25, 2024

In a previous article [ here ] we discussed why community banks need product managers to ensure that financial products and services are effectively developed, launched, and managed to meet customers’ evolving needs and the bank’s risk and profitability goals.

Lending 195

Lending Management Community Bank Community 195

Abrigo

OCTOBER 8, 2014

This article is the first in a two-part series on top concerns and growth strategies of community banks. Risk management. These are all phrases that resonate with community bankers. Data from Bank Director’s 2014 Growth Strategy Survey in August confirms that these are bankers’ greatest concerns.

Community Bank 191

Community Bank Community Strategy Risk Management 191

Abrigo

JUNE 8, 2017

To ensure that underwriting and portfolio management satisfy regulatory expectations as well as industry best practices 2. To provide bank management and the board with an objective assessment of credit quality and ongoing portfolio management 3. Additional Resources Managing member business lending risk Hiring headache?

Risk Management 150

Risk Management Management Policies Lending 150

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.

Compliance 195

Compliance Technology Operations Risk Management 195

Abrigo

OCTOBER 23, 2014

But how can this growth be managed appropriately? CEIS Review , a New York-based bank consulting firm, highlights the shift in a recent article. Community banks certainly want to remain conservative with risks and follow regulations.

Risk Management 186

Risk Management Management Lending Resources 186

Abrigo

APRIL 18, 2025

Software providers work together to improve treasury teams' workflows Integrating ledger accounting and risk management software offers treasury departments for banks and credit unions a streamlined workflow without a heavy IT lift. For example, bank treasuries in U.S.

Software 195

Software Risk Management System Resources 195

Independent Banker

JANUARY 31, 2022

With consumer expectations seeming to evolve faster every year, community banks could consider partnering with a fintech to keep up with technological innovation. Those conversations, he says, centered around whether community banks could compete against this brash group of newcomers. Photo by Pogonici/iStock. Quick Stat.

Community Bank 159

Community Bank Community Fintech Risk Management 159

Jeff For Banks

MARCH 3, 2025

Our recognition as the #3 community bank in the state by GOBankingRates in 2025 reflects our commitment to Growing, Together with the communities we serve. Yet, the banking industry is at a turning point. My goal is to convince you to approve a pilot program that will cement our position as a leader in community banking.

Community Bank 74

Community Bank Community Minnesota Security 74

Abrigo

OCTOBER 22, 2024

Our intelligent fraud detection software and risk management tools help fraud professionals in their fight against financial crime. Making a difference in communities Banking is more than just numbers and transactions. financial institutions manage risk and drive growth in a rapidly changing world.

Security 221

Security Fraud Community National 221

Jeff For Banks

JANUARY 26, 2023

I recently spoke to a community group, and subsequently a community bank all-staff meeting regarding the definition of a community bank. The FDIC has defined community banks in their December 2020 Community Banking Report that either exclude or include the following criteria: Seems complicated.

Community Bank 147

Community Bank Community FDIC Risk Management 147

Abrigo

AUGUST 6, 2021

How can community financial institutions thrive in 2021? Community banks provide unique and important banking services for their customers, but they also face significant obstacles. Takeaway 1 Community banks play an important role in the economy and their communities, but they face significant obstacles.

Community Bank 195

Community Bank Community Kansas City Lending 195

South State Correspondent

JANUARY 10, 2024

Community banks’ use of swaps (banks’ primary tool to hedge interest rate risk on loans) has increased substantially over the last ten years. Meanwhile, community banks face net interest margin (NIM) and fee income pressure. Only 304 banks (or 6.7% of the total) used swaps directly.

Community Bank 195

Community Bank Community National Regional 195

PYMNTS

MARCH 26, 2018

Wells Fargo, weeks after it was hit with a rare enforcement action from the Federal Reserve, is overhauling its risk management processes and announced internally that four top risk management executives would be retiring. All are retiring in April, May or June.

Risk Management 100

Risk Management Management Compliance Groups 100

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.

Community Bank 150

Community Bank Community Lending Risk Management 150

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.

Community Bank 150

Community Bank Community How To Meeting 150

Abrigo

APRIL 12, 2016

The FDIC is offering a fresh take on how a bank’s board of directors should understand and manage risk. Prudent oversight is rooted in the directors sending a clear message to staff that they value a strong risk management culture that includes a strong ethical culture,” the FDIC said. Evaluating risk management.

Management 150

Management FDIC Risk Management Community Bank 150

ABA Community Banking

DECEMBER 4, 2019

As one of the country's generation of young bank CEOs, and one whose professional background is in risk management and regulatory compliance, Clayton Legear shares his unique outlook in the latest episode of the ABA Banking Journal Podcast.

Risk Management 95

Risk Management Management Compliance Leadership 95

Abrigo

FEBRUARY 2, 2015

For most consumers who have a checking account, savings account and maybe a mortgage, the regulations placed on their community bank isn’t given a second thought. Two recent surveys addressing the community banking landscape have pointed to increasing regulations as the primary cause of stress for these institutions.

Community Bank 150

Community Bank Community Regulation Survey 150

Abrigo

FEBRUARY 28, 2025

Connect with an expert Common fraud schemes Check fraud Check fraud is one of the most concerning fraud trends for community banks in 2025. The technology used to perpetrate financial crimes may be changing, but these common fraud typologies aren't going anywhere. Let our Advisory Services team help when you need it.

Fraud 221

Fraud social media Training Community 221

South State Correspondent

JUNE 18, 2024

Deposit costs and liquidity remain a challenge for some community banks as competition for core funding remains intense. The graph below compares the liquidity ratio for community banks (under $10B in assets) and banks over $100B in assets. Community banks do have a few strategies for mitigating COF pressures.

Community Bank 195

Community Bank Community Risk Management Management 195

Abrigo

DECEMBER 26, 2024

"With so many BSA/AML enforcement actions, it is clear that the regulatory environment is tightening up its expectations and is actively pursuing action when needed," said Abrigo Senior Risk Management Consultant Elissa Brewer. A formal requirement for institutions to develop and update risk assessments is among the expected changes.

Fraud 195

Fraud Compliance South Dakota Resources 195

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.

Lending 221

Lending Risk Management Community Management 221

Abrigo

AUGUST 5, 2020

Now, banks and credit unions must determine how to safely and effectively manage risk in the portfolio while also driving growth at their institution. Therefore, it’s essential that the credit memo captures the complete picture of the borrower to ensure proper risk management. Portfolio Risk & CECL.

Management 195

Management Risk Management Trends Industry 195

Independent Banker

MAY 31, 2022

Community banks have a choice about addressing the problem: Remain vulnerable or be vigilant. Fraud and cybercrimes continue to increase, causing challenges for community banks. But there’s plenty community banks can do to meet this challenge. Focus on vendor management for purchasing hardware and software.

Community Bank 134

Community Bank Community Fraud Texas 134

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?

Community Bank 144

Community Bank Community Lending Louisiana 144

ABA Community Banking

MARCH 18, 2020

Amid the global coronavirus pandemic—and a massive response by policymakers—how can community banks best meet customer and employee needs while managing their balance sheets and loan portfolios? The post Podcast: A Community Bank Coronavirus Playbook appeared first on ABA Banking Journal.

Community Bank 109

Community Bank Community Meeting Management 109

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.

Community Bank 115

Community Bank Community Cards Lending 115

ABA Community Banking

NOVEMBER 21, 2014

First of a series: Answering some key questions Duties Risk Management CSuite Community Banking. 1Risk Management'

Risk Management 65

Risk Management Management Community Bank Community 65

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

South State Correspondent

JUNE 8, 2022

For decades community banks have structured fixed-rate loans with adjustable features – the most popular structure is a ten-year fixed-rate loan with a five-year reprice. With short-term interest rates expected to rise through 2022, many community banks are reconsidering their ALCO strategies.

Community Bank 195

Community Bank Community National Strategy 195

Abrigo

APRIL 15, 2022

ALM & Measuring Liquidity Risk at Banks and Credit Unions Regulatory agencies expect financial institutions to manage liquidity risk using processes and systems commensurate with the complexity, risk profile, and scope of operations. ALM 101: Introduction to Asset/Liability Management.

Management 195

Management Meeting Risk Management Operations 195