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

South State Correspondent

JANUARY 10, 2024

This article will discuss how national, regional, and community banks may use loan hedging programs in 2024 to face earnings challenges. We estimate that approximately another 500 use hedging programs that keep the derivative off balance sheet (thus not reportable by FDIC). Hedging Adoption As of Q3/23, there were just over 4.5k

Community Bank 195

Community Bank Community National Regional 195

South State Correspondent

NOVEMBER 18, 2024

FDIC-reporting institutions but only 319 of those institutions (or 7.1% We estimate that another 600 banks use hedging programs that keep the derivative off balance sheet (thus not reportable by FDIC). As of Q3/24, there were almost 4.5k of the total) used swaps directly.

Strategy 195

Strategy Community Bank Community FDIC 195

Independent Banker

APRIL 30, 2022

Brazos National Bank. Douglas National Bank. FSNB, National Association. Pioneer Trust Bank, National Association. AMG National Trust Bank. HNB National Bank. Genesee Regional Bank. Philip Pecora, president and CEO, Genesee Regional Bank. Genesee Regional Bank. BNC National Bank.

Community Bank 172

Community Bank Community Montana Taxes 172

South State Correspondent

MARCH 15, 2023

Percentage of Uninsured Deposits: At the time of failure, SVB had approximately 88% of their deposits above the FDIC-insured $250k limit and ran at 95% at the end of last year. Some form of this ratio will likely be applied to the national and regional banks, which means larger community banks will also be judged by this ratio.

social media 195

social media FDIC Branding Management 195

PYMNTS

JANUARY 9, 2018

Community banks are much better positioned to provide personalized service to small business customers; large national banks simply aren’t equipped or motivated to do so.”. The FDIC’s Advisory Committee on Community Banking offered a platform through which community bankers could highlight these challenges.

Community Bank 131

Community Bank Community Fintech Lending 131

PYMNTS

AUGUST 16, 2019

15) that it will launch regional commercial banking operations in New York and Los Angeles in an effort to grow its corporate client base and connect existing business customers in the markets with its senior banking professionals. and offer clients FDIC-insured accounts. The bank announced Thursday (Aug.

Los Angeles 101

Los Angeles New York FDIC Lending 101

Jeff For Banks

OCTOBER 4, 2014

Now the amount of money in US registered investment companies exceeds that in FDIC insured banks. How long before those corporate accounting system providers strike a deal with some regional or national bank to provide seamless views to corporate customers? Was Vanguard a disruptor? No worries, probably not your customers.

Technology 103

Technology Cyber Security FDIC Strategy 103

Independent Banker

JULY 30, 2015

An interview with Paul McGuire, ICBA’s executive vice president, national solutions group. With a consultative approach, I ensure members’ needs are being met through our eight regional offices,” he says. IB: Talk about the role of ICBA’s regional offices for members. Meet ICBA’s Membership Contact. Paul McGuire.

Resources 70

Resources Tools Community Bank Community 70

Jeff For Banks

JUNE 24, 2010

One regulator, on a panel at a banking conference, told a tale of a recent conversation he had with his regional director. The regional director voiced his concern, to which the examiner responded "what alternative to real estate as collateral should I suggest?" Are these more reliable? What segments are growing? Let me offer a story.

Lending 64

Lending Regulation FDIC Regional 64

Jeff For Banks

MARCH 29, 2014

The amount of deposits available to us while maintaining full FDIC insurance protection for our trust customers has consistently exceeded $30 million for the last three years. We are able to utilize relatively low cost deposits provided by our trust activities to fund additional loan growth. NYSE: PB) "Prosperity Bancshares, Inc.®,

Strategy 99

Strategy Texas San Antonio Fort Worth 99

PYMNTS

NOVEMBER 9, 2017

Needless to say, the nation’s small banks and their representatives are less than wholly thrilled. If Walmart wants to be a bank that’s fine, as long as they make the appropriate investments to protect the parts of the banking system that are so critical,” said Kelly King, chief executive at regional lender BB&T Corp.

Regulation 100

Regulation Retail New York Apple 100

MyBankTracker

MAY 13, 2021

City National Bank. This list contains mostly national banks, but these aren’t your only option for opening a checking account. National banks have their perks, but one of the drawbacks is that they tend to offer a single account for every customer across the country. Lower fees than national banks (but not always).

California 52

California ATM FDIC National 52

PopularBank

DECEMBER 11, 2023

Molly has been with Popular Bank since 2005 and was instrumental in growing PAB into a $2 Billion loan portfolio business and the national platform it is today. Carlos has been with Popular since 2005 and most recently was head of Retail Banking for the South Florida Region. Billion in deposits.

Management 52

Management Florida Community Leadership 52

American Banker

FEBRUARY 23, 2016

On the one hand, the FDIC's Quarterly Banking Profile showed how normal banking is again. But there were also worrying signs, including an increase in charge-offs, higher loan-loss provisions, and fears of the impact from the energy sector.

FDIC 28

FDIC Report Cards Community Bank 28

FICO

DECEMBER 20, 2018

Indeed, we are already starting to see signs of distress among community and regional banks that lack the advertising budgets and sophisticated digital capabilities of the big national banks. In response to this competitive pressure, top 100 banks will invest in an area that has been neglected for too long — deposit pricing strategy.

Trends 73

Trends Lending Fraud Exercises 73

Jeff For Banks

FEBRUARY 3, 2018

In 2013, there were 6,812 FDIC-insured financial institutions. Because the nation's balance sheet and income statement is not improving. That yielded 291 total institutions, broken down by region. Some regions are experiencing slightly elevated non-performers from the previous year. Where are we and where have we been?

Taxes 60

Taxes Regional Industry Trends 60

American Banker

OCTOBER 3, 2016

Total deposits at U.S. banks climbed nearly 6% year over year, to $11.3 trillion, even as the total number of banks and branches declined.

FDIC 49

FDIC Branch Strategies Community Bank Regional 49

Independent Banker

FEBRUARY 24, 2016

New inspirations, fresh experiences await at ICBA’s national convention. ICBA’s national convention offers an educational lineup this year of more than 60 workshops and networking sessions. State/Regional Partners Reception*. State/Regional Affiliate Associations & Exhibitor Receptions*. Monday, March 7.

Community Bank 70

Community Bank Community Innovation Customer Experience 70

CFPB Monitor

JUNE 15, 2020

The OCC acted alone in issuing the final CRA rule without waiting to achieve consensus with the FDIC, the agency with which the OCC had jointly issued the proposed rule. Under the agency’s final rule, the same facts and circumstances will be evaluated in a similar manner regardless of the particular region or particular examiner.

Community 60

Community FDIC Lending Examples 60

American Banker

MAY 18, 2016

Requiring banks to improve records on which depositors are insured overlooks how the Federal Deposit Insurance Corp. resolves failures.

FDIC 31

FDIC Regional National Regulation 31

CFPB Monitor

APRIL 22, 2021

The agencies are the Comptroller of the Currency, Farm Credit Administration, FDIC, Federal Reserve Board, and National Credit Union Administration (Agencies). Recently, federal agencies proposed revisions to the Interagency Questions and Answers Regarding Flood Insurance.

Policies 60

Policies Compliance Meeting Regulation 60

American Banker

AUGUST 2, 2016

Regulators announced Tuesday that they are giving large banks with less than $100 billion in assets an additional year to file their living wills.

Regulation 28

Regulation Regional FDIC National 28

CFPB Monitor

JUNE 25, 2020

The final CRA rule is an effort by the OCC to provide objective measures to evaluate the CRA performance of national banks and savings associations supervised by the OCC (including federal and state-chartered savings associations and uninsured federal branches of foreign banks).

Community 97

Community Lending Meeting Retail 97

American Banker

NOVEMBER 29, 2016

The Federal Deposit Insurance Corp.'s s third-quarter earnings report was stacked with good news: record earnings and lending, fewer troubled loans and higher interest and noninterest income. Yet there was one statistic that is likely to fuel more calls for help from Washington.

FDIC 28

FDIC Report Washington Cards 28

American Banker

JUNE 1, 2016

Ties to the energy sector hurt the banking industry in the first quarter as earnings fell 1.9% billion compared with a year earlier, the Federal Deposit Insurance Corp. said Wednesday.

FDIC 28

FDIC Industry Community Bank Regional 28

American Banker

JUNE 1, 2016

While there were positive signals like loan growth and improved interest margins in the Federal Deposit Insurance Corp.'s s first-quarter report card, there were also signs of trouble for the future, including larger institutions' ongoing exposure to the energy sector.

FDIC 28

FDIC Data Cards Report 28

American Banker

OCTOBER 14, 2016

Third-quarter profit at PNC Financial Services Group in Pittsburgh declined on a yearly basis as a higher tax rate and increased expenses ate into improved revenue in both lending and fee-based products.

Taxes 28

Taxes FDIC Lending Groups 28

American Banker

AUGUST 31, 2016

Plenty of banks have ended their federal loss-share deals early, but despite the incentives to wind them down, plenty more still have these crisis-era arrangements in place. It may be due to varying deadlines, mistakes calculating loan values or worries that they still might need the coverage for home equity lines.

FDIC 28

FDIC CA Community Bank Regional 28

American Banker

AUGUST 5, 2016

The solution to "too big to fail" is requiring all creditors, other than insured depositors, to face the risk of loss so that neither the FDIC nor taxpayers lose any money.

FDIC 28

FDIC Regional National Regulation 28

American Banker

DECEMBER 15, 2016

Popular Inc. in San Juan, Puerto Rico, will absorb another hit to its earnings tied to a dispute with the Federal Deposit Insurance Corp.

Puerto Rico 28

Puerto Rico FDIC Regional National 28

American Banker

NOVEMBER 16, 2016

"The report recommended that the Fed share more information on the models it uses and its reasons for failing big banks, while working more closely with other agencies including the FDIC and the OCC." …

FDIC 28

FDIC Report Regional National 28

American Banker

MARCH 15, 2016

PacWest Bancorp in Los Angeles has named Stanley Ivie, a regional director for the Federal Deposit Insurance Corp., its chief risk officer and an executive vice president. He started Monday.

Los Angeles 28

Los Angeles Regulation Regional CA 28

American Banker

OCTOBER 11, 2016

Large banks are outpacing community banks in deposit gathering because new liquidity rules make deposits more valuable to the biggest banks, mobile banking has been a deposit magnet for the heavyweights, and regional and midsize players hold certain advantages over smaller rivals, too.

Community Bank 28

Community Bank Regional Community Mobile 28

American Banker

OCTOBER 11, 2016

Large banks are outpacing community banks in deposit gathering because new liquidity rules make deposits more valuable to the biggest banks, mobile banking has been a deposit magnet for the heavyweights, and regional and midsize players hold certain advantages over smaller rivals, too.

Community Bank 28

Community Bank Regional Community Mobile 28

American Banker

MAY 20, 2016

I bear no hard feelings for the JPMorgan Chase CEO, but our disagreement underscores a rift between how Wall Street firms and community banks view the post-crisis landscape.

Community Bank 53

Community Bank Community FDIC Regional 53

American Banker

JANUARY 5, 2017

2016 was very good to these financial services executives, who succeeded where others failed, sold their businesses for large sums, felt the love of regulators or could finally breathe a sigh of relief.

Regulation 48

Regulation FDIC Community Bank Regional 48