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Loan Hedging for Community Banks in 2024

South State Correspondent

The market expects the current inverted yield curve to remain through much of 2024 (based on long-term interest rates and the expected rate cuts in 2024). This article will discuss how national, regional, and community banks may use loan hedging programs in 2024 to face earnings challenges. Only 304 banks (or 6.7%

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If You Are Tired of Being Transactional, You Need A Hedge Program

South State Correspondent

Loan-level hedging has become an important tool that many community banks have started to adopt in 2024. Meet Competitive Pressures : National and larger regional banks are specifically targeting better borrowers for five, seven, ten-year fixed-rate loans.

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If You Are Tired of Being Transactional, You Need A Hedge Program

South State Correspondent

Loan-level hedging has become an important tool that many community banks have started to adopt in 2024. Meet Competitive Pressures : National and larger regional banks are specifically targeting better borrowers for five, seven, ten-year fixed-rate loans.

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The OCC’s final CRA rule: what changed from the agency’s proposed rule?

CFPB Monitor

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.

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Popular Association Banking’s Molly Hime to Retire. Carlos Hernandez Named New Division Manager.                                       

PopularBank

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. Effective January 1, 2024, Carlos Hernandez will be Division Manager for PAB. Effective January 1, 2024, Carlos Hernandez will be Division Manager for PAB.

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The OCC’s CRA final rule: changes and highlights

CFPB Monitor

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).