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

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

JULY 20, 2021

From leveraging PPP technology to building relationships, reasons for boosting SBA lending are numerous. . Takeaway 1 SBA lending can expand your product offerings to help win deals with prospects and existing business customers or members. Why SBA Lending? Would you like others articles like this in your inbox? 1 and Sept.

Lending 195

Lending FDIC Capital Risk Management 195

PYMNTS

MARCH 19, 2020

Regulators, for their part, said they want to encourage lending. Also, it said that the lending would help a bank’s Community Reinvestment Act (CRA) score. Also, it said that the lending would help a bank’s Community Reinvestment Act (CRA) score.

Regulation 140

Regulation Lending FDIC US 140

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. Learn More.

Community Bank 150

Community Bank Community Policies Survey 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’ main goals are to diligently support their local communities and make an acceptable return on capital in these challenging times.

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’ main goals are to diligently support their local communities and make an acceptable return on capital in these challenging times.

Community Bank 195

Community Bank FDIC Community National 195

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. Small regional and community banks had a much higher approval rate (90 percent) for those firms classified as “Growers.

Community Bank 150

Community Bank Community Regional Cleveland 150

Abrigo

JUNE 28, 2024

Rising-rate environment Planning ALM strategies In today's volatile economic landscape, managing interest rate risk has become a top priority for community banks. Engage in continuous dialogue with regulators and stakeholders: Keeping open lines of communication can provide valuable insights and ensure compliance with evolving standards.

Community Bank 195

Community Bank Strategy Community Management 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

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. Philadelphia.

Community Bank 172

Community Bank Community Montana Taxes 172

Abrigo

MARCH 31, 2017

Commercial real estate lending continues to receive regulatory scrutiny and reminders for financial institutions to practice solid risk management. 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.

FDIC 186

FDIC Risk Management Analysis Lending 186

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

PYMNTS

SEPTEMBER 30, 2020

Co-signed by the American Bankers Association, Bank Policy Institute, Independent Community Bankers of America and The Clearing House, the letter argues that banks and non-bank technology firms are both already embracing innovation in customer service offerings. FDIC), the states and the courts.

Regulation 349

Regulation National System Industry 349

Abrigo

MARCH 2, 2023

Banking technology decisions now affect future growth With the possibility of a recession, community financial institutions may consider a delay or cut in technology spending. Perhaps executives think delaying or cutting spending on technology to make lending more efficient will affect only their staff.

Technology 195

Technology Lending Community Software 195

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. Further, during economic slowdowns, banks tend to lend less, and this leads to lower yields and lower NIM. Actionable Items There are a few key takeaways from the FDIC paper (both expressly mentioned and implied).

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. Hedge Strategy Adoption Community banks’ use of swaps (banks’ primary tool to hedge interest rate risk on loans) has increased over the last ten years.

Strategy 195

Strategy Community Bank Community FDIC 195

Independent Banker

JANUARY 26, 2016

The FDIC has released a proposal to indemnify the banks with assets less than $10 billion from the costs of raising the Deposit Insurance Fund reserve ratio from 1.15 The provision will ultimately provide thousands of community banks a reduction in deposit-insurance premiums of up to 30 percent. percent to 1.35 ICBA Member Poll.

FDIC 70

FDIC Community Bank Community Lending 70

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

Abrigo

APRIL 21, 2020

Key Takeaways Financial institutions have 10 calendar days to disburse PPP loans To address financial institutions’ liquidity and leverage concerns, regulators have helped to facilitate lending. To address financial institutions’ liquidity and leverage concerns, regulators have helped to facilitate lending. Lending & Credit Risk.

Lending 195

Lending Capital Minnesota FDIC 195

Abrigo

JANUARY 8, 2016

The GAO acknowledged that community banks, credit unions and their professional industry associations reported increased compliance burdens and reduced activity in specific business activities, such as certain mortgage lending, as a result of Dodd-Frank.

Regulation 150

Regulation FDIC Survey Community Bank 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

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.

FDIC 68

FDIC Community Lending Guidelines 68

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.

FDIC 51

FDIC Lending Guidelines Community Bank 51

CFPB Monitor

MAY 18, 2022

After moving alone in 2020 to reform its Community Reinvestment Act (CRA) regulation, the Office of the Comptroller of the Currency (OCC) has joined the Federal Deposit Insurance Corporation (FDIC) and Federal Reserve Board in issuing a joint notice of proposed rulemaking setting forth proposed amendments to their regulations implementing the CRA.

FDIC 78

FDIC Regulation Community Lending 78

Abrigo

JULY 20, 2021

From leveraging PPP technology to building relationships, reasons for boosting SBA lending are numerous. . Takeaway 2 Far fewer financial institutions regularly participate in SBA (7a) lending than the more than 5,000 that joined the PPP. . Why SBA Lending? Want other articles like this on SBA loan origination in your inbox?

Lending 195

Lending FDIC Capital Risk Management 195

ABA Community Banking

OCTOBER 2, 2024

Only 3% of banks fully automate the small-business lending process, and only for very small loans, and most borrowers are located within 40 miles of a bank branch, according to an FDIC survey. The post FDIC survey: Bank branches remain vital part of small-business lending appeared first on ABA Banking Journal.

FDIC 52

FDIC Survey Lending Community Bank 52

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

Abrigo

MAY 5, 2022

Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S. Main Street Banking: A Podcast for Community Bankers 8. It also examines how community banks are different than other types of financial institutions, along with strategies for optimal operations.

Community 195

Community Lending Maine Resources 195

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Financial institutions generate most of their income by lending and investment activities. Community banks target growth. Community banks have seen less volatility in noninterest income over time.

Community Bank 195

Community Bank Community FDIC Trends 195

CFPB Monitor

FEBRUARY 20, 2020

The OCC and FDIC announced yesterday that they have extended the 60-day comment period for their joint proposal to revise their regulations implementing the Community Reinvestment Act that was published in the Federal Register on January 8, 2020. As extended by 30 days, the comment period ends on April 8, 2020.

FDIC 78

FDIC Community California National 78

CFPB Monitor

OCTOBER 26, 2023

On October 24, the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation issued a final rule amending their regulations implementing the Community Reinvestment Act. Continue Reading

Community 78

Community FDIC Compliance Regulation 78

CFPB Monitor

JUNE 13, 2022

One issue raised in the RFI is “to what extent should the CFPB be consulted by the FDIC when considering the convenience and needs factor and should that consultation be formalized?”. The request for information (RFI) included questions related to the agency’s current bank merger review process, and how the process could be improved.

FDIC 78

FDIC Groups Community Meeting 78

Abrigo

NOVEMBER 11, 2019

Community financial institutions are familiar with utilizing their asset/liability management solutions to limit the risk of rising interest rates. FDIC FIL-46-2013 October 8, 2013. However, back when the FDIC sent that 2013 letter mentioned above to financial institutions, the effective federal funds rate was 0.09%. Learn More.

Management 150

Management FDIC Community Risk Management 150

Abrigo

MARCH 17, 2015

According to the latest FDIC Quarterly Banking Profile, community banks continue to thrive and lead the industry. percent achieved that threshold in the fourth quarter of 2014 – they aren’t just competing with large, national banks; their community bank counterparts also account for much of their competition.

How To 150

How To Community Bank Community FDIC 150

CFPB Monitor

MAY 22, 2020

The OCC has issued a final rule revising its regulation implementing the Community Reinvestment Act (CRA). Although the OCC’s proposed revisions were issued jointly with the FDIC, the FDIC did not join in the final rule. The final rule applies to national banks and federal savings associations.

FDIC 78

FDIC Lending Retail Compliance 78

CFPB Monitor

DECEMBER 28, 2023

On October 24, 2023, the OCC, FDIC and Board of Governors of the Federal Reserve System jointly adopted final amendments to their regulations implementing the Community Reinvestment Act of 1977 (CRA). Founder/CEO of Community Development Fund Advisors. . Thomas, Ph.D.,

Community 78

Community FDIC Regulation System 78