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.

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Management FDIC Risk Management Community Bank 150

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. Meanwhile, community banks face net interest margin (NIM) and fee income pressure.

Community Bank 195

Community Bank Community National Regional 195

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

MARCH 13, 2023

On the liability side of SVB’s $173B in deposits at the end of 2022, approximately 97% were uninsured and above the $250k in FDIC protection threshold. Based on the bank’s own filing, and like many banks, SVB did not deploy hedging instruments to manage its securities duration risk.

Risk Management 221

Risk Management Management Community Bank Community 221

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.

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Analysis Risk Management Management Data 195

Perficient

SEPTEMBER 11, 2023

This month, the Federal Deposit Insurance Corporation (FDIC) launches it new Banker Engagement Site (BES) through FDIC connect. Already reviewed by Perficient, BES provides a secure and efficient portal to exchange documents, information, and communications for consumer compliance and Community Reinvestment Act (CRA) examinations.

Compliance 221

Compliance FDIC Tools Leadership 221

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. What's Next.

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Lending Community Marketing Community Bank 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

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

Abrigo

NOVEMBER 11, 2019

ALM | 4 minute read Key Takeaways Many financial institutions view asset/liability management as a "check-the-box" regulatory exercise. An extreme focus on using ALM to manage the risk of rising rates means some FIs overlook using ALM to grow earnings and capital, putting them at risk of underperformance. ALM seen as checking the box.

Management 150

Management FDIC Community Risk Management 150

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. OCC guidance on Community Bank Supervision states all national banks must receive a full-scope, on-site exam at least annually. The bill, spearheaded by Senator Joe Donnelly, D-Ind., and Senator Pat Toomey, R-PA.,

Community Bank 150

Community Bank Community Survey FDIC 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. MOXY Bank, for example, aims to introduce corporate treasury management services, as well as offerings for small business (SMB) owners. have emerged to do.

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Community Bank Community FDIC Marketing 122

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.

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FDIC Lending Community Bank Industry 150

Independent Banker

NOVEMBER 21, 2021

As the first mutual bank to open in decades, Walden Mutual Bank is gearing up to support New England’s farmers, food service industry and sustainable food community. submitted its application to the FDIC at the end of August with the intent to serve New England’s local and sustainable food community with a bank owned by its depositors.

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Community New Hampshire New York Millennials 170

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

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

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.

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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.

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FDIC Risk Management Analysis Lending 186

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). Seed members will be migrated to Cross River as the community bank expands with new offices in California and Oregon. reports said.

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Community Bank Community Digital Banking FDIC 116

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

SEPTEMBER 3, 2024

Most community bankers we talk believe they will get a boost to bank performance with declining short-term rates. Historically short-term interest rates have decreased because the Federal Reserve is managing slowing economic activity. Both behaviors have hurt community bank performance.

Community Bank 195

Community Bank Community FDIC Industry 195

Abrigo

SEPTEMBER 15, 2022

You might also like this webinar, "How to manage a high-performing construction loan portfolio." More construction loan monitoring ultimately decreases loan default, according to a new FDIC Center for Financial Research working paper. Bank monitoring in construction lending.

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Study FDIC Lending Risk Management 195

CFPB Monitor

FEBRUARY 14, 2022

With Democrats now firmly in control of the FDIC, Acting Chairman Martin Gruenberg released a list of the FDIC’s priorities for 2022.

FDIC 78

FDIC Community System Meeting 78

Abrigo

JULY 25, 2017

In a recent Sageworks webinar Robert Ashbaugh, senior risk management consultant at Sageworks, discusses High Volatility Commercial Real Estate (HVCRE) lending best practices. That 13% represented 80% of the losses to the FDIC insurance fund. How did we get here?

Risk Management 150

Risk Management Management Capital Lending 150

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.

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Strategy Community Bank Community FDIC 195

Perficient

AUGUST 15, 2024

– These are the exact words (with a couple of expletives, that I cannot quote here) – a senior fund administrator from a large investment firm uttered when we were presenting about environment aware financial risk management. I, for one, listen when this legend speaks. What does it mean? How does it impact me?

Risk Management 221

Risk Management Resources Regulation Community 221

Perficient

DECEMBER 27, 2023

Manage third-party risks, especially for relationships involving higher-risk or critical activities. YOU MAY ENJOY: Regulatory Reporting in Financial Services Modernizing CRA Regulations Managing compliance risk frameworks in alignment with existing risk profiles is crucial as customer needs evolve.

Compliance 221

Compliance FDIC Regulation Fraud 221

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? Bank ROE Historical Performance Total assets for all FDIC-insured institutions was $23.7T Community banks (assets under $10B) composed 14.3% Community banks (assets under $10B) composed 14.3%

Community Bank 195

Community Bank Community Capital Policies 195

American Banker

JULY 20, 2020

The agency's request for information seeks comment on the idea of the FDIC partnering with a standards-setting organization to develop best practices for technology firms, among other things.

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FDIC Fintech Technology Community Bank 90

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Lawmakers and the regulatory community have taken notice of the increase in bank service charges and fee income and have responded, specifically regarding overdraft fees. Community banks target growth.

Community Bank 195

Community Bank Community FDIC Trends 195

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. But a community financial institution often has different needs related to origination than those of a giant lender. Experts say that would be a mistake.

Technology 195

Technology Lending Community Software 195

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

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.

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FDIC Groups Community Meeting 78

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. “For A lengthy report released recently by the U.S.

Regulation 150

Regulation FDIC Survey Community Bank 150

CFPB Monitor

DECEMBER 28, 2020

The FDIC has issued a final rule setting forth the conditions it will impose and the commitments it will require to approve a deposit insurance application from an industrial bank or industrial loan company (collectively, ILC) whose parent company is not subject to consolidated supervision by the Federal Reserve Board (FRB).

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FDIC Industry Policies Company 78

Abrigo

FEBRUARY 12, 2020

Despite the painful evolution in retail, many experts expect another year of growth for commercial real estate – and for commercial real estate lenders, including community financial institutions. Community financial institution lenders, however, will want to “pick their spots” for CRE loans this year. Watching for CRE red flags. “CRE

Lending 195

Lending Trends FDIC Survey 195

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. A different kind of peer-to-peer payment service is now available, “built by community banks for community banks.”.

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Community Bank Community Payments Meeting 91