South State Correspondent

MARCH 13, 2023

Based on the bank’s own filing, and like many banks, SVB did not deploy hedging instruments to manage its securities duration risk. The SVB Takeaway For Community Banks Community banks should continue to monitor their deposit base, liability sensitivities, and duration risks.

Risk Management 221

Risk Management Management Community Bank Community 221

Abrigo

FEBRUARY 12, 2025

Community financial institutions have the expertise and local ties to support small businesses, but outdated processes and risk-averse approaches often slow down their loan decisioning. M anaging, not avoiding, small business lending A common reason banks hesitate to expand small business lending is the fear of risk.

Lending 195

Lending Risk Management Community Fintech 195

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.

Lending 221

Lending Meeting Data Risk Management 221

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.

Community Bank 207

Community Bank Community Risk Management Guidelines 207

Abrigo

OCTOBER 22, 2024

At Abrigo, we’ve always focused on helping financial institutions thrive—not just for their own benefit but for the sake of the communities they serve. Think about it: when a fraudster targets a small business owner or when an individual’s life savings are wiped out, it doesn’t just hurt the bank—it devastates families and communities.

Security 221

Security Fraud Community National 221

South State Correspondent

MARCH 24, 2025

Our analysis shows that an average community bank can expect $9.7mm NPV of income (about 1% ROA) on a $100mm loan portfolio when the average loan life is seven years, versus only $5mm NPV of income (about 0.50% ROA) on the same portfolio where the average loan life is 2.3 years (both portfolios measured over a ten-year life).

Lending 195

Lending Community Bank Community Management 195

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. Community bankers are not keeping these concerns to themselves. Managing Risk. Risk analysis. Loan growth.

Community Bank 191

Community Bank Community Strategy Risk Management 191

Abrigo

FEBRUARY 28, 2025

Connect with an expert Common fraud schemes Check fraud Check fraud is one of the most concerning fraud trends for community banks in 2025. These could be held in a local branch lobby, community center, or place of worship. 880,418 c omplaints were registered, with potential losses exceeding $12.5

Fraud 221

Fraud social media Training Community 221

South State Correspondent

DECEMBER 17, 2024

Community banks (under $10B in assets) serve a key role for borrowers, local communities, and the broader US economy. Community banks are better positioned than many other creditors to follow and adapt to local economies, industries and trends, thereby, being better stewards of capital.

Community Bank 195

Community Bank Community Capital Tools 195

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.

Risk Management 195

Risk Management Regulation Policies Management 195

Abrigo

OCTOBER 9, 2024

Looking forward CECL Q factor considerations for community financial institutions For smaller financial institutions, managing Q factors can be especially challenging due to limited resources or less complex risk profiles. However, this doesn't mean that Q factors are any less critical.

Risk Management 195

Risk Management Management Compliance Data 195

Independent Banker

JANUARY 31, 2022

With consumer expectations seeming to evolve faster every year, community banks could consider partnering with a fintech to keep up with technological innovation. Swashbuckling, nimble, well-funded and unapologetically entrepreneurial, fintechs are offering innovations that allow community bankers to dream big in a host of ways.

Community Bank 159

Community Bank Community Fintech Risk Management 159

Jeff For Banks

MARCH 3, 2025

Our recognition as the #3 community bank in the state by GOBankingRates in 2025 reflects our commitment to Growing, Together with the communities we serve. To stay ahead, we must blend our community roots with cutting-edge innovation. Market ourselves as a tech-savvy community bank. What is Microsoft Copilot?

Community Bank 74

Community Bank Community Minnesota Security 74

Abrigo

JUNE 28, 2024

Navigating interest rate management in today's environment As regulators focus on interest rate risk management, read about what financial institutions can do to be ready for a rate drop. You might also like this on-demand webinar, "Navigating uncertain times: Strategies for effective risk management and compliance."

Community Bank 195

Community Bank Strategy Community Management 195

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.

Analysis 195

Analysis Risk Management Management Data 195

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. The beginning of all risk in the portfolio is with loan origination.

Risk Management 150

Risk Management Management Policies Lending 150

Abrigo

APRIL 11, 2025

Feedback from community financial institutions highlights how a vendors team can influence adoption success across the organization. Abrigos customer Community, an interactive forum and events section accessible from products, hosts more than 85,000 online participants each month. They are my allies.

Technology 195

Technology Software Training Risk Management 195

Jeff For Banks

JANUARY 26, 2023

I recently spoke to a community group, and subsequently a community bank all-staff meeting regarding the definition of a community bank. The FDIC has defined community banks in their December 2020 Community Banking Report that either exclude or include the following criteria: Seems complicated.

Community Bank 147

Community Bank Community FDIC Risk Management 147

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. How did we get here? Ashbaugh’s presentation begins with a quick summary of why regulators care about HVCRE.

Risk Management 150

Risk Management Management Capital Lending 150

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

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

PYMNTS

JULY 27, 2020

Coupa , which works in business spend management, is rolling out new capabilities to help with businesses’ spend visibility while lowering risk, through a cloud-based platform, according to a press release.

Risk Management 150

Risk Management Management Community Payments 150

Abrigo

OCTOBER 23, 2014

But how can this growth be managed appropriately? Community banks certainly want to remain conservative with risks and follow regulations. As a result, many are seeking growth in these areas, and others, as the recent financial crisis falls into the more distant past.

Risk Management 186

Risk Management Management Lending Resources 186

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. However, community banks and credit unions can still win with a community and relationship first focus.

Community Bank 150

Community Bank Community Lending Risk Management 150

Abrigo

FEBRUARY 6, 2025

Meeting investment accounting and reporting requirements The right technology tools can help institutions manage investment accounting compliance and risk exposure across various investment types. Investment accounting compliance not only minimizes operational risks but also reduces regulatory scrutiny. banking regulations.

Compliance 195

Compliance Technology Operations Risk Management 195

Abrigo

MARCH 13, 2020

Key Takeaways In today's uncertain economic climate, community financial institutions must resolve to manage risk and drive growth. Due to its potential adverse effects and risks to the economy, the Fed issued an emergency 50 bp interest rate cut. The coronavirus has sent shockwaves through the markets around the globe.

Community 195

Community Lending Analytics Management 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. Blog Bank'

Community Bank 150

Community Bank Community Regulation Survey 150

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.

Risk Management 95

Risk Management Management Compliance Leadership 95

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.

Lending 221

Lending Risk Management Community Management 221

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. This deposit and loan repricing mismatch caused NIM pressure at community banks.

Community Bank 195

Community Bank Community Risk Management Management 195

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. Fraud and cyber attacks are on the rise, and at great expense to the industry.

Community Bank 134

Community Bank Community Fraud Texas 134

Abrigo

DECEMBER 10, 2024

The statement provided examples of risk management and other practices that may be effective in combatting this often-underreported crime. Community engagement: Work with local law enforcement, adult protective services, and community organizations to educate seniors and their families about the risks of elder fraud.

Fraud 195

Fraud Training Software social media 195

Abrigo

FEBRUARY 25, 2025

Automation fosters efficiency, accuracy, and the support that community businesses need. It can automatically access credit scores and run loan details and borrower information against the financial institutions risk management policies.

Lending 195

Lending FDIC Policies Analysis 195

Abrigo

DECEMBER 26, 2024

"With so many BSA/AML enforcement actions, it is clear that the regulatory environment is tightening up its expectations and is actively pursuing action when needed," said Abrigo Senior Risk Management Consultant Elissa Brewer. A formal requirement for institutions to develop and update risk assessments is among the expected changes.

Fraud 195

Fraud Compliance South Dakota Resources 195

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? What changes will 2022 bring?

Community Bank 144

Community Bank Community Lending Louisiana 144

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. Not all customers are the right fit for the product.

Lending 195

Lending Management Community Bank Community 195

Abrigo

DECEMBER 28, 2023

Top banking risk management papers and infographics Abrigo experts' insights on deposit pricing, stress testing, loan review, and CECL were popular with banking risk professionals. You might also like this webinar, "Unraveling risk rating: Making sense of your best early warning tool." Here are the top resources.

Resources 221

Resources Risk Management eBook Strategy 221