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

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. While interest rate risk caused the most significant impact on value, several other factors contributed to the terminality of each bank that was closed.

social media 195

social media FDIC Branding Management 195

Abrigo

FEBRUARY 8, 2024

Effective fraud risk management includes detection and fraud monitoring that should consider customer or member history and behavior. For example, Regions Bank offers small businesses tips on preventing fraud on its website, and it describes fraud training small firms can offer themselves to prevent and more quickly detect fraud.

Fraud 195

Fraud Resources social media Software 195

Abrigo

DECEMBER 19, 2019

In 2008, there were 7,061 FDIC-insured commercial banks in the U.S. For many community and regional banks looking to compete with larger financial institutions and grow their bank, the answer has been mergers and acquisitions. Lending & Credit Risk. Portfolio Risk & CECL. Learn More. Asset/Liability. Learn More.

Lending 195

Lending Fraud Community FDIC 195

American Banker

OCTOBER 10, 2023

issued a proposal requiring larger banks to implement a three-line-of-defense risk management model and increased board independence in response to observed weaknesses in corporate governance during past financial crises and recent bank failures. The Federal Deposit Insurance Corp.

Guidelines 36

Guidelines Regional FDIC Risk Management 36

Jack Henry

APRIL 30, 2014

The FDIC provides a listing of resources that can be used to better identify and mitigate potential cyber-risks. Regional Coalitions. The FDIC encourages subscribing to these various groups to ensure that you receive regular security alerts, tips, and other updates. Secret Service Electronic Crimes Task Force (ECTF).

Fraud 88

Fraud Cyber Security ATM FDIC 88

Jeff For Banks

JULY 31, 2017

US Regional Banks' price-earnings multiple was 16.6x Meaning if it's p/e is 16.6x, like the US Regional Banks mentioned above, then the earnings growth rate should be 16.6%. The regional banks' PEG ratio, if I do the reverse math, implies that earnings are growing around 3% for the banks in that index. So are banks over-valued?

Regional 60

Regional FDIC Industry US 60

PYMNTS

OCTOBER 1, 2018

The DOJ investigation centered on whether LendingClub had – between January 2009 to September 2010 – misled its FDIC-insured loan originator, WebBank , leading the bank to underwrite over 200 loans that did not conform to the bank’s lending requirements. The DOJ Finding. The Aftershocks.

Lending 135

Lending Fraud Management San Francisco 135

Independent Banker

FEBRUARY 24, 2016

State/Regional Partners Reception*. State/Regional Affiliate Associations & Exhibitor Receptions*. So we want our checking accounts to be FDIC insured. IB: Community bankers are the world’s best risk managers. How should they balance innovation with their need to manage risk? Monday, March 7.

Community Bank 70

Community Bank Community Innovation Customer Experience 70

American Banker

AUGUST 8, 2016

Under pressure from regulators to beef up risk management in commercial real estate lending, banks are using new software tools to improve analysis.

Big Data 28

Big Data Risk Management Data Analysis 28

Gonzobanker

DECEMBER 19, 2024

billion Sandy Springs Bancorp builds a powerhouse in the Mid-Atlantic region. GonzoBanker of the Year (Regional Bank) goes to Kevin Blair of Synovus Financial Corp. More and more regional banks are looking outside of The Big 3 core providers, which is a big opportunity for TCS and its global peers.

Fraud 88

Fraud Fintech Marketing Industry 88