PopularBank

FEBRUARY 24, 2025

Many banks offer money market accounts (MMAs). You may be wondering how this type of account fits into your money management plans. Use the guide below to find out what a money market account is, how its different from a traditional checking account, and how you can select the best account to achieve your financial goals.

Marketing 52

Marketing FDIC ATM Tools 52

South State Correspondent

NOVEMBER 14, 2024

The insight here is that if you price and market the product correctly, instant payments will not only start to cannibalize other payment channels such as cash, checks, and wires, but it will also have a set of other attributes impacting bank performance. The intensity color within the cell represents the degree of dominance of that category.

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Payments Study Survey Data 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

Perficient

APRIL 2, 2021

The five federal agencies are: the Consumer Financial Protection Bureau (CFPB), the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve Board (Fed), the National Credit Union Administration (NCUA) and the. Risk Management. AI may be used to augment risk management and control practices. Credit Decisions.

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Regulation Industry Risk Management Analysis 309

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.

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Management FDIC Community Risk Management 150

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

Abrigo

MARCH 3, 2022

CFIs are poised to regain the small business lending market Community Financial Institutions can leverage technology to improve customer experience and regain the small business lending market. Today, CFIs are uniquely positioned to regain the market. Changing Lending Environment. Small businesses are turning to small lenders.

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Lending Community Marketing Community Bank 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. On-site inspections. Bank monitoring in construction lending.

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Study FDIC Lending Risk Management 195

Perficient

NOVEMBER 17, 2023

In our previous article, “ Transaction Accounts: Analyzing Deposit Stickiness in the Current Interest Rate Environment ,” Perficient’s Financial Services Risk Management and Regulatory Capabilities Center of Excellence (CoE) explored the sharp decline in transaction account balances over an 18-month period. Contact us today!

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Retail FDIC Risk Management Management 221

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. A hedge should have a neutral outcome regardless of how the market moves (within defined bands).

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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. A hedge should have a neutral outcome regardless of how the market moves (within defined bands).

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Community Bank FDIC Community National 195

PYMNTS

JUNE 10, 2020

It’s free and makes managing small business finances easy, even for those with little finance and accounting knowledge.”. The company also noted that deposits are FDIC insured for a maximum of $250,000.

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Management FDIC Software Taxes 141

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. Bloomberg listed Casey G.

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Community Bank Community FDIC Marketing 122

CFPB Monitor

AUGUST 4, 2022

The FDIC has issued an “Advisory to FDIC-insured institutions Regarding Deposit Insurance and Dealings with Crypto Companies ” to address the agency’s concerns regarding misrepresentations about FDIC deposit insurance by certain crypto companies. The FDIC identifies two issues that can create customer confusion.

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FDIC Risk Management Policies Regulation 78

Perficient

JUNE 7, 2023

On May 31, the Federal Deposit Insurance Corporation (FDIC) reported to the public what many banks already knew and had been experiencing for the past year – that deposits are declining in the American banking sector. There has almost been $1.2 Trillion removed from the banking system over the past year.

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social media FDIC Analysis System 221

PYMNTS

JULY 15, 2020

We’re proud to offer financial market infrastructure that supports an open, digital financial future.”. while enabling Revolut to control “the user experience” and manage its “customer relationships.” Paxos will hold crypto assets for Revolut’s users in the U.S., Revolut made its U.S.

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US cryptocurrency FDIC Compliance 233

PYMNTS

DECEMBER 16, 2018

That marketing material was removed from the page over the weekend, as were tweets promoting it at the launch — the FinTech is now calling the offering a cash management service, reported Bloomberg. The executives told Bloomberg they are working with regulators and are in the process of overhauling the marketing material related to it.

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FDIC Fintech Regulation Report 191

South State Correspondent

AUGUST 21, 2022

We compared and contrasted the two strategies and sized the market for community banks. Second, community banks should use FDIC-insured institutions as hedge providers, and the hedges must be structured as qualified financial contracts (QFC). We also shared a table that summarized the two strategies.

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How To Community Bank Community FDIC 195

South State Correspondent

AUGUST 14, 2024

If managing loan pricing is a college-level course, deposit pricing is a master’s. Given the complexity, managing analyzed checking, however, is a PhD. We covered the basics of account analysis in Part 1 ( HERE ), and in this article, we highlight best practices for managing an analyzed transaction account. level effort.

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How To Analysis Management Training 195

South State Correspondent

MARCH 15, 2023

While we wrote about the root cause of the failure of Silicon Valley Bank (SVB) HERE , the lessons of the current banking crisis go beyond interest rate risk management. Previously, if banks were able to borrow against these securities, it would be at 98% of the market value or less, depending on the investment type.

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social media FDIC Branding Management 195

CFPB Monitor

NOVEMBER 21, 2019

The OCC and FDIC issued proposed rules this week intended to eliminate the uncertainty created by the Second Circuit’s decision in Madden v. Comments on the FDIC’s proposal must be submitted no later than 60 days after the date the proposal is published in the Federal Register. Midland Funding. 85 [or 12 U.S.C

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FDIC National Lending Policies 78

Abrigo

JANUARY 29, 2020

Key Takeaways The FDIC issued an advisory to FIs encouraging safe and sound lending practices in today's ag lending environment. FDIC) issued an advisory to financial institutions encouraging exceptionally safe and sound lending practices in agricultural lending. On January 28, the Federal Deposit Insurance Corp.

Lending 195

Lending How To FDIC Survey 195

CFPB Monitor

AUGUST 23, 2022

On August 19, 2022, the FDIC issued cease and desist letters to five crypto companies, alleging they made false and misleading statements about FDIC deposit insurance and demanding immediate corrective action. According to the FDIC’s press release , “[b]ased upon evidence collected., Part 328, Subpart B.

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FDIC social media cryptocurrency US 78

South State Correspondent

NOVEMBER 18, 2024

Mitigating market risk comes from proper customer selection, structuring the loan as to not acerbate a bank’s risk, pricing the relationship correctly taking into account cost and risk through the loan lifetime, actively managing that customer (monitoring credit, building deposit balances, increasing engagement, enhancing fee income, etc.)

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Strategy Community Bank Community FDIC 195

South State Correspondent

SEPTEMBER 3, 2024

A change in market interest rates seems to be an example where a bank’s NIM may change, and all other variables remain the same. Historically short-term interest rates have decreased because the Federal Reserve is managing slowing economic activity. During economic contractions nonaccrual loans increase and NIM decreases.

Community Bank 195

Community Bank Community FDIC Industry 195

PYMNTS

FEBRUARY 7, 2020

Robinhood , the investment app that upended its market by elimination of commissions on stock trades is bringing its brand of disruption to the United Kingdom. Robinhood made money and picked up business without focusing on the rules,” said Tyler Gellasch, executive director of trade association Healthy Markets Association in a statement. “As

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United States FDIC Millennials cryptocurrency 150

South State Correspondent

DECEMBER 17, 2024

In recent years, the community banks market share has been diminishing markedly as bank consolidation has occurred. FDIC-reporting institutions to include banks and savings institutions. The share of the loan market held by community banks has declined more rapidly (proportionately) than the number of charters.

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Community Bank Community Capital Tools 195

PYMNTS

JUNE 29, 2020

FDIC) is looking to modernize bank reporting. FDIC Looks To Modernize Bank Reporting. A Merchant’s How-To For Managing The Contactless Payments Surge And SCA Requirements. Plus, the Federal Deposit Insurance Corp. Wirecard Forces ‘Radical’ Reboot Of German Accounting Regs. The Federal Deposit Insurance Corp.

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FDIC Cards Payments Regulation 142

PYMNTS

AUGUST 12, 2019

“At Joust, we understand the growing market of self-employed workers, freelancers and small businesses, and their need for an all-in-one banking solution –especially one that gives them the same benefits enjoyed by major corporations. The bank combines an FDIC-insured account and a merchant account and accepts a variety of payments.

Payments 143

Payments FDIC User Experience Apple 143

Abrigo

JUNE 11, 2021

Would you like other articles on asset/liability management in your inbox? Takeaway 1 Regulators stress sound risk management practices that include the ability to identify and measure interest rate risk (IRR). FDIC) noted in its 2021 Risk Review.

How To 195

How To Risk Management Analysis Kansas City 195

South State Correspondent

SEPTEMBER 11, 2023

On September 7, 2023, the FDIC released its banking profile. This quarterly publication provides a comprehensive financial results summary for all FDIC-insured institutions (4,645 commercial banks and savings institutions insured by the FDIC). Rising market interest rates. While banks under $10B in assets comprise 97.8%

Community Bank 195

Community Bank Community FDIC Industry 195

South State Correspondent

JUNE 11, 2024

FDIC-insured “Problem Banks” list has been increasing over the past two years. We aim to explain the reason for this spike in the percentage of unprofitable community banks so that bankers can better manage their business model. Bank ROE is now a problem.

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Community Bank Community Analysis Capital 221

Abrigo

FEBRUARY 12, 2020

Real Estate Market Outlook. MBA Vice President for CRE Research Jamie Woodwell said in a news release that low interest rates gave CRE markets a boost last year. “In With global bond yields expected to remain extremely low and equity markets likely weaker and more volatile, the stable, solid returns of U.S.

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Lending Trends FDIC Survey 195

South State Correspondent

MAY 7, 2024

With the assistance of the FDIC, Fulton Financial acquired certain assets, debt and deposits of Republic Bank. Also, interest rates are not high by historical comparison (especially when eliminating the pandemic monetary response), and bank managers’ job is to manage uncertatiny (also called risk).

Risk Management 195

Risk Management Security Management Groups 195

South State Correspondent

APRIL 16, 2024

In this article, we highlight the details of these digital wallets and provide bankers with five marketing campaigns to bring these deposits back on balance sheet. Banks should have campaigns ready to go and then launch an email campaign marketing the bank’s safety, soundness, control, and liquidity.

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FDIC Examples Study Marketing 195

PYMNTS

MAY 4, 2020

Robinhood Markets, coming off a new $280 million funding round backed by Sequoia Capital, has seen its value and services expand during the coronavirus pandemic, according to a Reuters report. More market turmoil has also driven people’s interest. The company, launched in 2013, is now valued at $8.3

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FDIC Fintech Millennials Management 131

Abrigo

AUGUST 9, 2017

Avert Risk The OCC’s October 2012 Supervisory Guidance notes that financial institutions that perform stress testing “have the ability to minimize the impact of negative market developments more effectively” than those that do not have a stress testing process in place.

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Columbus Ohio Strategy FDIC 150