Abrigo

MARCH 22, 2017

The 2017 Risk Management Summit presented by Sageworks is set for September 25-27th in Denver, CO. The Summit is the industry’s leading life-of-loan conference, spanning business development through portfolio risk management in a CECL - current expected credit loss - world. Here are the 2016 Summit Takeaways.

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Abrigo

JULY 13, 2017

The 2017 Risk Management Summit presented by Sageworks is set for September 25-27th in Denver, CO. The Summit is the industry’s leading life-of-loan conference, spanning loan origination through portfolio risk management in a CECL - current expected credit loss - world. Register now and save $100 per registration.

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Banking Exchange

JANUARY 24, 2022

Over three quarters of community banks did not close a single branch, Wipfli survey reveals Community Banking Feature3 Feature Risk Management Branch Technology/ATMs Financial Research Payments.

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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.

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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. Here are some ideas for strengthening fraud defenses.

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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.

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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.

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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.

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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?

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ABA Community Banking

SEPTEMBER 29, 2022

Insights from the 2022 Federal Reserve/CSBS survey of community banks. The post One in 10 community banks planning to launch crypto services appeared first on ABA Banking Journal.

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Community Bank Community Survey Risk Management 98

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.

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Abrigo

JUNE 8, 2017

To provide bank management and the board with an objective assessment of credit quality and ongoing portfolio management 3. To serve as a critical component of a comprehensive, enterprise-wide, risk management practice 4. Additional Resources Managing member business lending risk Hiring headache?

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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.

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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.

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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.

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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.

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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.

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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.

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Independent Banker

DECEMBER 1, 2021

Additionally, a recent survey by FIS shows that 37% of consumers began a new banking relationship with a major national or global bank that had a well-established online portal in the past 12 months. 18% of these consumers opened an account with an online-only direct bank.

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South State Correspondent

APRIL 4, 2024

Bankers may not see the impact of the growing federal debt burden on their business model year to year, but over longer periods, these changes are poised to alter the way community banks do business, manage risk, and target clients. With time, these changes will only amplify. With time, these changes will only amplify.

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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.

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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.

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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.

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South State Correspondent

MAY 15, 2024

We believe that while lending diversification leads banks to lend more in normal times (especially for banks over $50B in assets) and does benefit the general economy, community banks should be careful in how and where they choose to diversify. It is hard to achieve geographical diversification within a bank’s footprint.

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South State Correspondent

MAY 15, 2024

We believe that while lending diversification leads banks to lend more in normal times (especially for banks over $50B in assets) and does benefit the general economy, community banks should be careful in how and where they choose to diversify. It is hard to achieve geographical diversification within a bank’s footprint.

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Community Bank Community Lending Study 195

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.

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Abrigo

NOVEMBER 13, 2024

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. However, recent data from Abrigo shows that privately held companies across the U.S. are displaying their financial resilience. Nearly all U.S.

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Lending Meeting Data Risk Management 195

ABA Community Banking

MAY 18, 2023

The cover story of the latest issue of the ABA Banking Journal features an unprecedentedly transparent look into what happens inside a financial institution during and after a ransomware attack. The post Podcast: The anatomy of a community bank ransomware attack appeared first on ABA Banking Journal.

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Jack Henry

MAY 18, 2021

Through it all, community banks and credit unions proved that they were up to the task. The COVID-19 pandemic sent shock waves through local and world economies, with unprecedented shifts in consumer behavior, employment dynamics, and federal stimulus.

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South State Correspondent

MARCH 19, 2024

In banking, those numbers are markedly different. The average community bank has thousands of customers, and the vast majority (close to 90%) earn zero or negative ROE. At an average bank, the top 10% of customers generate the entire profit for the bank. Profitability continues to grow over time.

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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.

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Abrigo

AUGUST 13, 2024

Thankfully for bank and credit union executives, lenders, risk managers, and Bank Secrecy Act (BSA) Officers, banking podcasts and podcasts for credit unions are plentiful, and options are growing. Bank Slate Convos 6. Main Street Banking: A Podcast for Community Bankers 8. You're not alone.

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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.

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ABA Community Banking

FEBRUARY 12, 2020

billion in assets, HAB Bank isn't big -- but it's a community bank with global reach. The New York-based institution provides correspondent banking services for 140 banks in 20 countries, primarily in South Asia and East Asia. Saleem Iqbal discusses how HAB Bank competes in this global marketplace.

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Community Bank Community New York Risk Management 76

Abrigo

AUGUST 30, 2024

Some stakeholders are advocating for a focus on affordable housing, community development, and supporting underserved communities. Capital rules are also being reassessed for members and the FHLB themselves in an effort to ensure greater financial stability and risk management.

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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.

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ABA Community Banking

NOVEMBER 21, 2014

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

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