Independent Banker

FEBRUARY 28, 2022

The ICBA Capital Summit is the premier event for community bankers looking to advocate for their industry. Community bankers, pack your bags for Washington, D.C. Community bankers, pack your bags for Washington, D.C. While at the ICBA Capital Summit, community bankers will enjoy insights from expert speakers.

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Community Washington Community Bank Capital 180

Independent Banker

MAY 31, 2022

Josh Prejean (right) of Bank of Zachary, here with mortgage client David Rozas, says community banks must compete through customer service. We look at how community banks can counter nonbanks’ offerings through streamlined technology, customer service and other strategies. Josh Prejean, Bank of Zachary.

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Community Bank Community Lending Marketing 185

Abrigo

NOVEMBER 18, 2016

In a survey of community banks and credit unions at the 2016 Sageworks Risk Management Summit, 42 percent of respondents said Commercial Real Estate, or CRE, lending was their primary focus for loan portfolio growth. This reflects a larger industry trend. For many, commercial real estate lending may be the ticket.

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Community Bank Handbook Lending Risk Management 150

PYMNTS

MAY 28, 2020

The global financial space has been severely impacted by the ongoing COVID-19 pandemic, with social distancing and stay-at-home guidelines preventing customers from visiting bank branches to access the services they need. Developments From Around The World Of Digital-First Banking.

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Community Bank Community Security Digital Banking 176

Abrigo

DECEMBER 9, 2014

Community banks are expanding their loan portfolios to include more small business loans, according to the most recent Community Bank Performance report by the FDIC. Loans across categories increased, with commercial and industrial loans growing at the fastest rate, roughly 5.3 percent over the 3rd quarter of 2013.

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Training Policies Analysis Community Bank 170

South State Correspondent

JANUARY 30, 2023

Rising funding costs and decreasing liquidity at community banks are causing managers to change pricing methodology for new credits. We estimate that 25% to 50% of community banks have a policy requiring minimum yield or credit spreads for new commercial loans.

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Community Bank Strategy Community Management 195

South State Correspondent

FEBRUARY 27, 2024

Community bankers need to practice realistic loan pricing discipline. However, we need to understand the meaning of pricing discipline and its effect on community bank performance. This is strong evidence that community banks are pricing to an arbitrary minimum credit spread in this set of loans.

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How To Community Bank Community Management 195

PYMNTS

APRIL 16, 2020

Foreign exchange and cross-border payments solution provider Currencycloud and cloud-based derivatives and FX firm Derivative Path have announced a partnership aimed at enabling regional and community banks to integrate cross-border payments technologies. Deloitte, Unqork, Plaid Debut Lending-as-a-Service Tool.

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Data Lending Regional Fintech 167

PYMNTS

OCTOBER 8, 2018

As stated in the letter and as reported by CNBC, “It is important that all policy makers work toward developing clearer guidelines between those digital tokens that are securities, and those that are not, through better articulation of SEC policy, and, ultimately, through formal guidance or legislation.” .

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United States Regulation cryptocurrency Cleveland 174

Independent Banker

NOVEMBER 30, 2021

Community banks use dozens or even hundreds of vendors—making it critical that they have an efficient way to stay compliant, track performance and more. Some banks are using a combination of software and internal personnel and systems to do just that. billion-asset 1st Security Bank of Washington in Mountlake Terrace, Wash.,

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Management Community Bank Community New Jersey 91

South State Correspondent

FEBRUARY 18, 2024

While the loan underwriting is squarely in most banks’ policy guidelines, the loan is highly leveraged, and any increase in expenses or decrease in revenue will create credit stress for the lender and default risk for the borrower. This loan was underwritten to 1.20X debt service coverage ratio (DSCR), 76% loan-to-value (LTV), 9.2%

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Management National Guidelines Capital 195

Independent Banker

APRIL 30, 2022

Community bankers are embracing innovation like never before—with impressive results. We believe operations is the “engine” that drives every aspect of banking and, ultimately, the bottom line. On a practical level, what steps can community banks take to strengthen their back-office operations? By Charles Potts, ICBA.

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Innovation Community Bank New York City Community 91

ABA Community Banking

APRIL 2, 2020

The Small Business Administration today issued an interim final rule that provides additional implementation guidelines and requirements for its Paycheck Protection Program to aid small businesses hit hard by the COVID-19 crisis.

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Guidelines Community Bank Policies Community 134

Abrigo

DECEMBER 2, 2021

Indeed, deposit levels to transaction accounts among community banks exploded 74% to $896.5 31, 2019, and June 3, 2021, according to the Community Banking in the 21st Century report. During the pandemic, fraud activity has increased, and fraudsters have found new ways to scam bank customers and credit union members.

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Conference San Antonio Lending Fraud 195

NCR

AUGUST 31, 2016

Many banks have done the math to determine how much staff they would need to hire, train and manage in order to sell loans that are fully compliant with state and federal regulations and agency and investor guidelines. Banks that choose to do so, however, face another challenge. Outsourcing loan QC is not for everybody.

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Community Bank Community Guidelines Compliance 49

Abrigo

APRIL 21, 2020

Steve Domine, President of Minnesota Community Banking and Senior Vice President of Lending at Stearns Bank, explained during a recent Independent Community Bankers of America (ICBA) webinar that his bank sought both inside and outside counsel to understand the SBA rulings.

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Lending Capital Minnesota FDIC 195

Gonzobanker

OCTOBER 15, 2014

My heart goes out to the hard working professionals who run the Treasury Services or “Cash Management” divisions at community banks. Sure, it’s easy to poke fun at the big banks for being slow and bureaucratic. “Revenue is vanity … margin is sanity … cash is king.” Let’s call it out, GonzoBankers.

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Management Community Bank Community Resources 101

South State Correspondent

NOVEMBER 14, 2022

There are a few basic guidelines that every good banker must consider. Lenders must recognize that banks are in the business of keeping loans and not making loans. It costs the average community bank $6k to $14k to book a new commercial loan but only about $2k to $4k to modify or amend an existing commercial loan.

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Analysis Guidelines Marketing Community Bank 195

ABA Community Banking

JUNE 15, 2021

The FDIC proposed changes to its guidelines for real estate lending policies in order to align standards with the community bank leverage ratio, which does not require electing institutions to calculate tier 2 capital or total capital.

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FDIC Lending Guidelines Community Bank 51

Independent Banker

FEBRUARY 28, 2023

Photo by Radachynskyi/Adobe Using ICBA’s Marketing Communications Toolkit, your community bank can tell its story with intention and precision. For the banking industry, marketing can be finicky. The toolkit offers specific guidelines on writing and placing news releases and op-eds.

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Marketing social media Community Bank Video 91

South State Correspondent

NOVEMBER 14, 2022

There are a few basic guidelines that every good banker must consider. Lenders must recognize that banks are in the business of keeping loans and not making loans. It costs the average community bank $6k to $14k to book a new commercial loan but only about $2k to $4k to modify or amend an existing commercial loan.

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Analysis Guidelines Marketing Community Bank 195

Independent Banker

DECEMBER 13, 2015

Certain mobile functions and features are essential to the success of a community bank’s mobile banking offerings. Newfangled mobile capabilities could help community banks stand apart from their competitors. Funds transfer (within same bank). Deciding which mobile features and functions to offer.

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Community Bank Boston Community Iowa 70

Independent Banker

NOVEMBER 24, 2015

Certain mobile functions and features are essential to the success of a community bank’s mobile banking offerings. Newfangled mobile capabilities could help community banks stand apart from their competitors. Funds transfer (within same bank). Deciding which mobile features and functions to offer.

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Community Bank Boston Community Iowa 70

Jeff For Banks

MARCH 29, 2014

These services are provided through a variety of delivery systems including automated teller machines, private banking, telephone banking and Internet banking. We believe we can effectively compete as a community bank in our market area and the niche markets we serve. We focus our marketing efforts in three areas.

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Strategy Texas San Antonio Fort Worth 100

Independent Banker

DECEMBER 13, 2015

Indirect auto lending has played a major role for Security Federal Savings Bank in Jasper, Ala. Half a dozen years ago, the community bank held $13 million in auto loans. Currently the bank has a little less than $40 million in assets, according to President and CEO C. MainStreet Bank in Fairfax, Va.,

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Lending Community Bank Community Security 70

Independent Banker

NOVEMBER 24, 2015

Indirect auto lending has played a major role for Security Federal Savings Bank in Jasper, Ala. Half a dozen years ago, the community bank held $13 million in auto loans. Currently the bank has a little less than $40 million in assets, according to President and CEO C. MainStreet Bank in Fairfax, Va.,

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Lending Community Bank Community Security 70

PYMNTS

APRIL 8, 2016

The movement to embrace those loans will bring in a few types of firms to help extend such credit to consumers, said the director, with the impetus coming from the first federal rule introducing guidelines coming within months, as has been widely reported.

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Fintech Guidelines Lending Regulation 100

CFPB Monitor

AUGUST 13, 2018

McWilliams stated that the FDIC’s top priorities included: (1) reducing regulatory burden on community banks; (2) increasing the speed with which the FDIC reviews charter and deposit insurance applications; and (3) assisting banks to introduce new financial products that serve underserved communities. Finally, Ms.

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FDIC Community Lending Guidelines 68

Independent Banker

JANUARY 28, 2016

Supreme Court held that financial institutions could be held liable for neutral practices that pose adverse lending decisions against certain borrowers, even when there is no intent to discriminate, but with restrictive guidelines. IB: How could fair lending exams change as a result of the Supreme Court’s ruling?

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Policies Lending Community Analysis 70

Abrigo

APRIL 15, 2022

Along with this, strong liquidity reporting and monitoring processes are expected, including strict guidelines on liquidity positions such as operating levels and use of contingent sources. The NSFR typically only applies to large banks but is a metric community banks should be aware of even if they are not required to calculate it.

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Management Meeting Risk Management Operations 195

Independent Banker

FEBRUARY 25, 2015

Community banks, which will continue to face a growing number of senior customers with everyday cash needs and built-up home equity, should explore this niche lending opportunity, two community bankers providing these specialty loans suggest. New FHA guidelines. It’s not like cross-selling a credit card.”

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Trends Community Lending Community Bank 70

Jeff For Banks

MAY 20, 2017

and New York Community Bancorp called off their planned merger. Both institutions were over the CRE concentration guidelines, so putting them together would exasperate this risk, so the regulatory thinking must have been. We perform this service for dozens of community banks. Last December, Astoria Financial Corp.

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Lending Regulation Community Community Bank 60

American Banker

NOVEMBER 10, 2016

Banks have been waiting on Justice Department guidelines on how to make their websites compliant with the Americans with Disabilities Act, but many are being advised to take action now or face lawsuits from disabled customers.

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Guidelines How To Community Bank Regional 53

Jeff For Banks

JULY 16, 2011

Bank equity is the primary buffer against loan losses. In the post, Mr. Johnson states "The problem is that some community banks do not have big enough loss-absorbing buffers — the role that bank equity plays." But in his post (see link below), he makes two comments that bears refutation: 1.

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Capital FDIC Guidelines Regulation 65

Gonzobanker

MAY 22, 2014

That’s a good start, but it hasn’t yet trickled down to the community bank space. Mobile banking? As in any business relationship, we need guidelines as to the responsibilities of each party. In the large FI arena, vendors sometimes empower one person to be the main point of contact for all services. Debit processing?

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Management Mobile Technology Marketing 98

American Banker

JUNE 16, 2016

Their new guidelines on mobile security include other surprises, too, such as specific requirements tied to geolocation, security tests and cross-site scripting. The answer may be no, according to federal regulators.

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Mobile Guidelines Security Regulation 28

American Banker

AUGUST 11, 2016

A new exam handbook released by the Office of the Comptroller of the Currency is sparking concerns that the agency is quietly expanding heightened regulatory guidelines meant for larger banks to smaller institutions.

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Handbook Guidelines Community Bank Community 28