ABA Community Banking

APRIL 27, 2022

The FDIC has appointed seven new members to its Advisory Committee on Community Banking. Twelve of 19 on the panel are with ABA member banks. The post FDIC names new community banking committee members appeared first on ABA Banking Journal.

Community Bank 105

Community Bank FDIC Community Policies 105

Abrigo

JUNE 28, 2024

Takeaway 2 Abrigo advisory expert Susan Sharbel offers insights into where your bank should focus its resources to manage interest rate risk, Takeaway 3 Practical steps for preparing your ALM program for rate changes include updating and validating risk models regularly, conducting tests, and reviewing portfolios.

Community Bank 195

Community Bank Strategy Community Management 195

Abrigo

MARCH 9, 2015

The latest FDIC Quarterly Banking Profile was just released and the industry continues to be led by the nation’s community banks. percent of community banks were unprofitable during the quarter. However, across all banks, fourth quarter net income fell by 7.9 percent to $36.9 percent from 2013.

Community Bank 150

Community Bank Community FDIC Industry 150

Abrigo

MARCH 9, 2015

The latest FDIC Quarterly Banking Profile was just released and the industry continues to be led by the nation’s community banks. percent of community banks were unprofitable during the quarter. However, across all banks, fourth quarter net income fell by 7.9 percent to $36.9 percent from 2013.

Community Bank 150

Community Bank Community FDIC Industry 150

Independent Banker

APRIL 30, 2022

Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own path to success. In true community bank fashion, each has its own story to tell and its own path to success.

Community Bank 172

Community Bank Community Montana Taxes 172

Abrigo

APRIL 23, 2015

A new bill proposed on April 16 aims to increase the exam cycle period for a larger pool of community banks. would make more banks eligible for an 18-month exam cycle as opposed to the norm of a 12-month schedule. If implemented, hundreds of additional banks would be eligible for the longer cycle.

Community Bank 150

Community Bank Community Survey FDIC 150

Abrigo

SEPTEMBER 22, 2015

By eliminating or revising some of the items that banks must include in their call reports the FFIEC hopes to streamline the reporting and decrease the amount of time spent on them. The article allowed banking executives to weigh in on the subject. Sound is a $500 million institution.

Community Bank 150

Community Bank Community Survey FDIC 150

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

PYMNTS

JANUARY 31, 2019

is set to see its first new community bank in decades, as the Federal Deposit Insurance Corporation (FDIC) lent its approval for MOXY Bank to launch in Washington, D.C. With clearance to move forward with its plans, the community banking landscape will see its first new industry player in years.

Community Bank 122

Community Bank Community FDIC Marketing 122

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. The survey for the inaugural index included 512 FDIC banks responding from early in the second quarter through July 5.

Community Bank 150

Community Bank Community Policies Survey 150

PYMNTS

JANUARY 9, 2018

Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index. Here, again, lies another opportunity for community banks to fill the void. We urge you to make such legislation a priority.”.

Community Bank 131

Community Bank Community Fintech Lending 131

Abrigo

FEBRUARY 16, 2015

A popular opinion, brought to the forefront last week by a Harvard University report , is that these regulations are imposing a significant burden on small financial institutions such as community banks and credit unions. She also added that community banks, specifically, have seen more than 11 percent growth.

Community Bank 150

Community Bank Community Regulation Lending 150

PYMNTS

APRIL 2, 2019

MOXY bank , preparing to be one of the first new community banks to launch in the U.S. in decades, has announced that it is working with technology solutions company NYMBUS to integrate its core digital banking and payment services.

Community Bank 117

Community Bank Community FDIC Washington 117

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

JUNE 25, 2019

Community financial institution (FI) Cross River Bank is acquiring Seed , a small business (SMB) digital banking company, reports in Reuters said on Monday (June 24). Cross River Bank has partnered with a range of FinTech startups since its 2008 launch, including collaborations with Stripe , Coinbase and Affirm , reports said.

Community Bank 116

Community Bank Community Digital Banking FDIC 116

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

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

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

ABA Community Banking

APRIL 8, 2025

The FDIC will waive some requirements for large bank resolution planning and take steps to boost de novo bank formation, particularly in areas of the country without a local community bank, Acting FDIC Chairman Travis Hill said.

FDIC 52

FDIC Community Bank Community Policies 52

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

ABA Community Banking

SEPTEMBER 24, 2021

Community banks that invested more in technology before COVID-19 made more loans and took in more deposits during the pandemic than did community banks that invested less in technology, according to a new FDIC report.

Community Bank 84

Community Bank Community Technology FDIC 84

ABA Community Banking

SEPTEMBER 17, 2019

The FDIC today approved a final rule allowing community banks with a leverage capital ratio of at least 9% to be considered in compliance with Basel III capital requirements and exempt from the complex Basel Calculation. The post FDIC Final Rule Sets Community Bank Leverage Ratio at 9% appeared first on ABA Banking Journal.

Community Bank 66

Community Bank FDIC Community Capital 66

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

ABA Community Banking

MARCH 28, 2025

Banking regulators announced they intend to rescind the 2023 Community Reinvestment Act final rule in light of pending litigation. The post Banking regulators to rescind 2023 Community Reinvestment Act rule appeared first on ABA Banking Journal.

Community 69

Community Regulation FDIC Community Bank 69

South State Correspondent

SEPTEMBER 3, 2024

Most community bankers we talk believe they will get a boost to bank performance with declining short-term rates. The magnitude and duration of declining short-term interest rates also plays a role in influencing a specific bank’s NIM. Noncommunity banks have historically demonstrated more noninterest income.

Community Bank 195

Community Bank Community FDIC Industry 195

ABA Community Banking

APRIL 26, 2024

The FDIC announced five new members of the agency’s Advisory Committee on Community Banking. The post Five named to FDIC community banking advisory committee appeared first on ABA Banking Journal.

FDIC 52

FDIC Community Bank Community 52

ABA Community Banking

JULY 21, 2022

The latest issue of the FDIC Quarterly explores loan performance at community banks in five manufacturing-concentrated states: Indiana, Kentucky, Louisiana, Michigan and Wisconsin. The post FDIC Quarterly highlights community bank performance in manufacturing states appeared first on ABA Banking Journal.

Community Bank 59

Community Bank FDIC Community Louisiana 59

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

ABA Community Banking

DECEMBER 16, 2020

The FDIC today released a large-scale Community Banking Study that examines community bank performance between year-end 2011 and year-end 2019. The post FDIC Publishes Wide-Ranging Community Banking Study appeared first on ABA Banking Journal.

Community Bank 53

Community Bank FDIC Study Community 53

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

Jack Henry

DECEMBER 9, 2021

Investments in financial technology have been increasing for years, but the events of the last 18 months have created a new sense of urgency for community banks and credit unions to fine-tune their digital strategies across the spectrum of various fintech investments.

Strategy 148

Strategy Digital Strategies FDIC Community Bank 148

ABA Community Banking

MAY 26, 2023

The FDIC announced the appointment of seven new members to its Advisory Committee on Community Banking The post FDIC names new community banking committee members appeared first on ABA Banking Journal.

FDIC 52

FDIC Community Bank Community Policies 52

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. Many banks that survived the rapid interest rate hikes still struggled with net interest margin (NIM) compression caused by fixed-rate loans and securities.

Strategy 195

Strategy Community Bank Community FDIC 195

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

ABA Community Banking

DECEMBER 9, 2020

The FDIC today released a new staff study highlighting how economies of scale developed at community banks (those with $10 billion or less in assets) between 2000 and 2019. The post FDIC Analysis Examines Community Bank Economies of Scale appeared first on ABA Banking Journal.

Community Bank 53

Community Bank FDIC Analysis Community 53

PYMNTS

NOVEMBER 18, 2019

recorded its fourth bank failure this year — the first collapse of financial institutions since 2017, according to data from the Federal Deposit Insurance Corp ( FDIC ). 1 when City National Bank of New Jersey closed its three branches with assets of about $120.6 Resolute Bank in Maumee, Ohio closed on Oct.

Kentucky 140

Kentucky FDIC Ohio US 140