South State Correspondent

APRIL 10, 2023

CRE Risk Background While ten years ago, community and regional banks use to make up some 55% of the CRE market, in 2023, these banks now compose approximately 72% (below). The risk here is that community banks continue to take on an above-average amount of CRE credit exposure.

Community Bank 195

Community Bank Community Los Angeles Regional 195

Independent Banker

JUNE 30, 2022

Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. But as they always do, they came through for individuals and businesses in their communities with a combination of personalized service and prudent risk management practices. Iowa State Bank. First State Bank.

Community Bank 172

Community Bank Community National Philadelphia 172

PYMNTS

NOVEMBER 18, 2019

recorded its fourth bank failure this year — the first collapse of financial institutions since 2017, according to data from the Federal Deposit Insurance Corp ( FDIC ). 1 when City National Bank of New Jersey closed its three branches with assets of about $120.6 Resolute Bank in Maumee, Ohio closed on Oct.

Kentucky 140

Kentucky FDIC Ohio US 140

Jeff For Banks

AUGUST 3, 2020

It's what we did in 2008-10. I delivered this talk on a recent bank trade association webinar. Unlike 2008, banks were not the bane of our problems. In 2008, we were in the eye of the storm. Sure, community banks had little to do with liar loans or what was otherwise termed sub-prime. Capital aplenty.

Community Bank 88

Community Bank Community Capital Analytics 88

American Banker

JUNE 1, 2016

Community banks are doing very well, thank you very much, Mr. Dimon. But it's not necessarily a return to the salad days of pre-2008. The Wall Street Journal's ongoing series on the banking industry looks at the state of community banking, and pronounces the sector healthy, but facing serious issues. …

Community Bank 28

Community Bank Community Industry Regional 28

Jeff For Banks

JANUARY 27, 2011

I was at a strategic planning retreat a few weeks back where a colleague lauded the concept of bankers getting back to plain vanilla community banking. But if you read or watch interviews of CEOs of community FIs from 2008 forward, you will be bombarded with the message that they didn''t engage in the things that led to the collapse.

Community Bank 70

Community Bank Community Apple National 70

CFPB Monitor

MARCH 30, 2020

This section further extends to the National Credit Union Administration (NCUA) the authority to increase to unlimited the share insurance coverage it provides on any noninterest-bearing transaction accounts to federally insured credit unions. Section 4012 – Temporary Relief For Community Banks.

Regulation 122

Regulation United States Community Bank National 122

PYMNTS

JUNE 18, 2018

Thirty-four years have passed since SMB optimism was this high , according to the National Federation of Independent Business (NFIB). SMBs since the 2008 financial recession. percent decline in shares at large banks , coinciding with a 7.8 percent increase in shares at mid-cap regional banks and a 12.1

Lending 112

Lending Community Bank Regional Community 112

Abrigo

MARCH 6, 2015

March comes in like a lion for the nation’s largest banks. Yesterday the Federal Reserve announced how “the big banks” fared on their annual stress tests (The Wall Street Journal’s Briefly blog offers what to know and what is relevant about the exams).

Risk Management 150

Risk Management Capital Community Bank Regulation 150

Abrigo

AUGUST 26, 2015

“… it’s not 2008.”. This is the sentiment of several high-profile executives regarding the National Credit Union Administration’s (NCUA) stance on examination cycles for credit unions. The longer interval is on the table for banks as well. This followed further transparency of the NCUA’s budget, which noted $6.39

Survey 150

Survey Community National Community Bank 150

Jeff For Banks

JULY 5, 2022

Those banks will win.' ' 2. It's no secret that since the Great Recession of 2008 branches have been in retreat. Now, some of you might be branch centric, executing your bank transactions over the teller line. Two percent is a big matzah ball out there to overcome and compete with Ally Bank. Prune and invest.

Millennials 78

Millennials Community Pennsylvania Community Bank 78

Abrigo

NOVEMBER 14, 2014

It is of interest to note that many may be considered smaller, community banks. Live Oak Bank. Take, for example, Live Oak Bank in Wilmington, NC, which has the top spot on the list. According to American Banker, perks on the bank’s campus include a gym, dog park and catered lunches every Friday.

Nashville 170

Nashville Wisconsin Tennessee National 170

Gonzobanker

DECEMBER 19, 2022

2008 called and wants its headlines back. Hats off to Thomas Shara at Lakeland and Tony Labozzetta of Provident for architecting the new $25 billion super-community bank in New Jersey. All of this while knocking out a stellar 1.35% ROA and leading industry, community, and philanthropic efforts everywhere. Goes to Sen.

Community 216

Community Fintech Industry Innovation 216

American Banker

APRIL 27, 2016

Citizens National Bancshares of Bossier in Bossier City, La., has named Jason Smith, an executive vice president at subsidiary Citizens National Bank since 2008, as its president and chief executive.

National 28

National Community Bank Community 28

Abrigo

AUGUST 5, 2020

Key Takeaways This recession is significantly different than the 2008 financial crisis, creating a unique credit environment for financial institutions. is officially in a recession, according to the National Bureau of Economic Research. The national effects remain opaque and will continue to change – do not get complacent.

Management 195

Management Risk Management Trends Industry 195

Independent Banker

FEBRUARY 24, 2016

Greg Steverson (left) successfully manages a $100 million institutional investment portfolio for Ledyard National Bank in Norwich, Vt. Mikella Newsom (middle) successfully manages a $325 million institutional investment portfolio for City Bank in Lubbock, Texas. Investment principles of top bank portfolio managers.

Community Bank 70

Community Bank Community Texas Management 70

PYMNTS

JANUARY 29, 2018

The financial services market has progressed by leaps and bounds in terms of innovation, from the rise of alternative finance to the development of technologies like blockchain and open banking initiatives. Meanwhile, bank lending to small businesses dropped by nearly $100 billion during that time.

Lending 116

Lending Florida Report Community Bank 116

Independent Banker

OCTOBER 29, 2014

Army Infantry Platoon leader who became a community banking manager. It’s no different in community banking. When I returned home from the deployment, the support I had from my community was clear—the same way Think Mutual Bank supports its local community. By Jeff Sabatke. It was 1 a.m. Paul, Minn.,

Minnesota 98

Minnesota Community Community Bank Maine 98

Independent Banker

FEBRUARY 16, 2015

From opposite political directions, Senators Shelby and Brown stand on point to greatly influence community banking’s agenda in the next Congress. The mix of contrasts and similarities of Shelby’s and Brown’s perspectives and policymaking portend an active session for community banking’s agenda in the new 114th Congress.

Community Bank 70

Community Bank Alabama Ohio Community 70

Jeff For Banks

APRIL 14, 2022

A Primer on Money, Banking, and Gold 2008 Cordelia Frances Biddle Biddle, Cordelia Frances Biddle, Jackson, and a Nation in Turmoil: The Infamous Bank War 2021 Alan S. 2008 Richard P. The Courage to Act: A Memoir of a Crisis and Its Aftermath 2015 Peter L. Bernstein Bernstein, Peter L. Blinder Blinder, Alan S.

America 78

America National Denver United States 78

South State Correspondent

JUNE 13, 2022

Instantly, the cash flow for those businesses that many community banks lent to is impacted. That is a significant change in risk for a material part of a large community bank’s balance sheet. Thus, the framework at most banks has these two risks as equal. At that point, banks were then reluctant to sell.

Risk Management 195

Risk Management Examples social media Management 195

Jeff For Banks

NOVEMBER 16, 2020

Moody’s estimates that there is $70 billion in back rent across the nation. By the way, our economy has done better than all other nations; for example, Europe is 4.3% The national unemployment rate peaked at 14.7% The housing market is robust across the nation. Think for a minute about how huge that number is.

Marketing 78

Marketing National New York City Taxes 78

Jeff For Banks

MARCH 21, 2024

Our lives changed forever from this whole experience of the government’s declaration of a national emergency, leading to forced shutdowns of businesses and schools, mandated mask wearing, forcing 6-foot distances between people, travel restrictions, fear mongering with case and death counts, and forced vaccines/boosters. Oh, brother!

Marketing 145

Marketing Policies Report Atlanta 145

Jeff For Banks

DECEMBER 22, 2013

Bank of the Ozarks, Inc. #3. Access National Corporation #4. Especially if I believe community banks must increasingly be known for some niche to differentiate. I first became aware of Marlin at the Utah Bankers Association Executive Development Program, where a Marlin Business Bank officer was attending.

Community Bank 84

Community Bank Atlanta Community Strategy 84

Jeff For Banks

DECEMBER 12, 2016

Independent Bank Corporation (Nasdaq: IBCP) Independent Bank dates back to 1864 as the First National Bank of Iona. It is a turnaround story because the bank was hammered with credit problems between 2008-11, when it lost over $200 million. It's size today, at $2.5 Summit Financial Group, Inc.

North Dakota 60

North Dakota Minnesota West Virginia Arizona 60

Jeff For Banks

DECEMBER 12, 2017

(Nasdaq: OSBC) Old Second is a single-bank holding company headquartered in Aurora, Illinois. The Bank, Old Second National Bank, lost a whopping $156 million in 2009 and 2010. Independent Bank Corporation (Nasdaq: IBCP) Independent Bank dates back to 1864 as the First National Bank of Iona.

Minnesota 60

Minnesota West Virginia Virginia Iowa 60

Jeff For Banks

DECEMBER 18, 2014

Open Bank (OTCQB: OPBK) Open Bank commenced operations in 2005 as First Standard Bank in the Koreatown section of Los Angeles. They are built as a relationship bank serving the Korean community in LA and surrounding areas. OTCQX: BNCC) BNCCORP, Inc., share at the end of 2010.

North Dakota 90

North Dakota Arizona Minnesota Los Angeles 90

CFPB Monitor

MAY 3, 2019

The tone and tenor of the hearing became readily apparently during opening remarks offered by Representative Gregory Meeks, in which he analogized small dollar lenders to “no document” mortgage lenders that caused the 2008 financial crisis because of a failure to assess ability to repay. (Mr. Payday Loan Rule) with 12 C.F.R.

Michigan 68

Michigan Policies Utah Lending 68

Jeff For Banks

DECEMBER 19, 2015

Independent Bank Corporation (Nasdaq: IBCP) Independent Bank dates back to 1864 as the First National Bank of Iona. The bank was hammered with credit problems during the financial crisis, as Michigan's economy was hit pretty hard. Coastal Banking Company, Inc. It's size today, at $2.4 And they have $1.8

North Dakota 60

North Dakota Arizona Michigan Florida 60