Abrigo

JUNE 5, 2023

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. They help manage and shape strategy in volatile economic and industry conditions. the Community Bank Leverage Ratio (CBLR) and the minimum Tier 1 leverage ratio).

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Report Risk Management Capital Data 195

Abrigo

APRIL 22, 2024

Small business lending is also a prominent line of business for many financial institutions, especially those driven by a mission to help their communities thrive. Almost half sought credit to grow their businesses, and 28% applied to make repairs or replace capital assets. A majority of applicants sought less than $100,000.

Lending 243

Lending St. Louis Community Marketing 243

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. This article looks at trends in growth and composition as well as legal, regulatory, and competitive pressure on noninterest earnings. Community banks target growth. Types of Noninterest Income.

Community Bank 195

Community Bank Community FDIC Trends 195

South State Correspondent

AUGUST 21, 2022

Last week we wrote about loan-level vs. balance sheet hedging for community banks and provided our loan proposal generator ( HERE ). We compared and contrasted the two strategies and sized the market for community banks. A community bank may transact one or only a few balance sheet hedges over many years.

How To 195

How To Community Bank Community FDIC 195

Abrigo

JUNE 11, 2021

Measuring Interest Rate Risk Can Vary by Institution Interest rate risk measurement plays a key role in ensuring an institution's safety and soundness. Would you like other articles on asset/liability management in your inbox? FDIC) noted in its 2021 Risk Review. Measure long-term interest rate risk.

How To 195

How To Risk Management Analysis Kansas City 195

Independent Banker

APRIL 30, 2022

During the pandemic, many community banks needed to change how they operated. For this and other reasons, now is a good time to review and refresh articles, bylaws and committee charters to ensure resilience and bolster risk management. But if they see it as a risk management tool, it’s a game changer.

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Oregon Community Bank Community Meeting 91

Abrigo

JUNE 7, 2021

Risks ALM Addresses Will Affect Performance and Strategy Asset/liability management models and processes address credit risk, liquidity risk, and interest rate risk. . Would you like other articles on ALM in your inbox? Which risks does ALM address? Liquidity risk management and ALM.

Management 195

Management Risk Management Capital Regulation 195

Abrigo

NOVEMBER 18, 2016

In a survey of community banks and credit unions at the 2016 Sageworks Risk Management Summit, 42 percent of respondents said Commercial Real Estate, or CRE, lending was their primary focus for loan portfolio growth. Learn more about the Sageworks Credit Risk Management Solution.

Community Bank 150

Community Bank Handbook Lending Risk Management 150

Abrigo

APRIL 12, 2016

Directors overseeing a bank’s operations are important partners in supervisory efforts, the FDIC noted in the article (“A Community Bank Director’s Guide to Corporate Governance: 21st Century Reflections on the FDIC Pocket Guide for Directors.”). Risk management culture What exactly is a risk management culture?

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Management FDIC Risk Management Community Bank 150

South State Correspondent

JANUARY 30, 2024

In this article, we partner with Gartner to look at 2024 key IT metrics and provide strategic insight into how much your bank should be spending on IT. Benchmarking can help banks better optimize capital as it gives bank management a sense of what the average is for the industry. Technology-forward banks spend as much as 16.4%

Capital 195

Capital Operations Customer Experience Comparison 195

Abrigo

JULY 27, 2023

Would you like other articles on fraud and AML/CFT compliance in your inbox? Using regtech in banking With new federal regulatory and compliance challenges like the CFPB rule on the horizon, more and more community financial institutions are exploring regtech in banking and finance. What is regtech?

Technology 195

Technology Fraud Compliance Regulation 195

Abrigo

JULY 27, 2023

Would you like other articles on fraud and AML/CFT compliance in your inbox? Using regtech in banking With new federal regulatory and compliance challenges like the CFPB rule on the horizon, more and more community financial institutions are exploring regtech for banks to enhance their processes. What is regtech?

Technology 195

Technology Fraud Compliance Regulation 195

South State Correspondent

FEBRUARY 27, 2022

In our article last week ( HERE ), we discussed how the yield curve is currently flat between the three and 20-year points. Current Risk in Term Lending. While community banks may want the ability to offer longer-term fixed-rate loans, the interest rate risk is too significant for most banks’ balance sheets.

Lending 195

Lending Community Bank Community Meeting 195

South State Correspondent

JUNE 13, 2022

Banks that are looking to enhance their risk management practices should consider incorporating the concept of the velocity of risk into their enterprise-wide risk management practices. Some risks occur slowly; others strike quickly and hard. Optimizing Risk. Putting Velocity of Risk into Action.

Risk Management 195

Risk Management Examples social media Management 195

Abrigo

MARCH 23, 2015

It is only natural for community banks to have loan concentrations that result from the market(s) they serve and the markets they pursue. In today’s times, a high commercial real estate (CRE) concentration is often the result of community banks pursuing opportunity in the market. Blog Bank Credit Union'

Community Bank 150

Community Bank Risk Management Community Analysis 150

South State Correspondent

MAY 3, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management.

Lending 195

Lending Capital Management Tools 195

Abrigo

AUGUST 3, 2017

Cheryl Monk, a writer in New York, reviews the de novo environment in her article published in the July 2017 issue of Independent Banker. Monk says there is still room for de novo bank formations, considering the lack of community banks in some areas or in areas with substantial population growth. A low interest rate environment 2.

Oklahoma City 150

Oklahoma City FDIC Handbook Oklahoma 150

Abrigo

MAY 5, 2022

Would you like other articles like this in your inbox? Thankfully for bank and credit union executives, lenders, risk managers, and Bank Secrecy Act (BSA) Officers, banking podcasts and podcasts for credit unions are plentiful, and options are growing. Main Street Banking: A Podcast for Community Bankers 8. BankTalk 3.

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Community Lending Maine Resources 195

Abrigo

JANUARY 11, 2022

Financial institution leaders and management should consider ALM as a process for making institutions more profitable and more effective at managing risk simultaneously. This initial ALM 101 article is intended for the ALM rookie who wants to understand ALM basics: the process and its usefulness. keep me informed.

Management 195

Management Meeting Capital Strategy 195

Abrigo

APRIL 1, 2015

A recent Wall Street Journal article by Victoria McGrane and Jon Hilsenrath highlighted how the nation’s regulators are increasingly questioning and turning their focus toward bank boards. Lynn McKenzie and Edmund Green of KMPG recently contributed an article to Bank Director on how boards can challenge their banks’ management on risk.

Risk Management 150

Risk Management Community Bank Regulation Boston 150

Abrigo

NOVEMBER 17, 2023

The true cost of fraud goes beyond the initial reported fraud losses Would you like other articles like this in your inbox? While some of the recent trending fraud schemes are not new, they have been transformed to prey on communities already dealing with unprecedented times. Measuring the cost of fraud losses.

Fraud 195

Fraud Training Trends Compliance 195

Abrigo

JUNE 5, 2015

In a recent Forbes article, Frank Sorrentino, Chairman and CEO of ConnectOne Bank, offered his take on how financial institutions should flip their mindset on regulators and examinations. It will require transparent communication and consideration of examiners on all levels of the bank’s functions.

Risk Management 150

Risk Management Community Bank Regulation Survey 150

Gonzobanker

SEPTEMBER 21, 2023

NYMBUS secured Series D financing (led by Insight Partners), partnered with Hurdlr for small business banking; with Atty Bank, Saint Louis Bank ’s legal community bank; and with Roger, Citizens Bank of Edmond ’s military niche bank. Personal loan and credit card provider Avant secured funding from Ares Management Corporation.

Fintech 103

Fintech Software Illinois Lending 103

Abrigo

SEPTEMBER 5, 2023

In this article, I'll cover what a credit exception is, recommendations for creating loan/credit exceptions, and tips for developing an exception policy for the financial institution. a significant capital injection into the borrower, or other collateral such as liquid assets). A guarantee generally should be unlimited and continuing.

Policies 195

Policies Lending Risk Management Examples 195

Abrigo

JULY 20, 2021

Want other articles like this on SBA loan origination in your inbox? Even if community businesses don’t end up utilizing the federally guaranteed loans , many small businesses have heard of SBA loans and want to explore them. SBA loan origination can be especially lucrative for community financial institutions now.

Lending 195

Lending FDIC Capital Risk Management 195

Abrigo

JULY 20, 2021

Would you like others articles like this in your inbox? Even if community businesses don’t end up utilizing the federally guaranteed loans , many small businesses have heard of SBA loans and want to explore them. SBA lending is especially lucrative for community financial institutions now. We know 2020 stunk,” he said. “As

Lending 195

Lending FDIC Capital Risk Management 195

South State Correspondent

APRIL 3, 2023

In this article, we will focus on non-maturity deposits to examine the problem and provide a solution. Utilizing this straightforward linear regression and decay analysis, you get something close to the profile below for the average community bank in the U.S.: This reduces the duration of these non-maturity deposits.

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social media Community Bank Analysis Training 195

South State Correspondent

MARCH 15, 2023

It turns out that confidence is more valuable than capital. 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. The ratio would provide a bank’s current core capital position to risk-adjusted assets.

social media 195

social media FDIC Branding Management 195

Gonzobanker

JULY 6, 2021

It has become crystal clear that digital transformation is now the largest technology initiative for regional and community financial institutions. Maybe this is the new reality for community bankers, but Cornerstone Advisors is seeing little evidence that they’re serious about implementing a comprehensive digital strategy.

Strategy 156

Strategy System Risk Management Technology 156

Abrigo

APRIL 15, 2022

ALM & Measuring Liquidity Risk at Banks and Credit Unions Regulatory agencies expect financial institutions to manage liquidity risk using processes and systems commensurate with the complexity, risk profile, and scope of operations. Would you like other articles like this in your inbox? Defining Liquidity.

Management 195

Management Meeting Risk Management Operations 195

South State Correspondent

OCTOBER 26, 2023

In this article, we detail our thoughts and the trends we saw last week in Las Vegas from a banking perspective in hopes of giving you the flavor and insight from the conference without you having to walk 10 miles per day and listen to endless vendor pitches. It’s a whirlwind of education, deal-making, eating, and hugging.

Conference 221

Conference Las Vegas Fraud Case Study 221

Abrigo

MARCH 24, 2021

Would you like others articles like this in your inbox? The top banking challenges in 2021 are growing loans and earnings, according to Independent Banker’s recent 2021 Community Bank CEO Outlook survey. Capitalize on the momentum you gained during 2020. Lending & Credit Risk. Credit Risk Management.

Lending 221

Lending Technology Survey Examples 221

CFPB Monitor

AUGUST 22, 2016

The CFPB has announced the appointment of new members to its Consumer Advisory Board, Community Bank Advisory Council, Credit Union Advisory Council, and Academic Research Council. Arjan Schutte, Founder and Managing Partner, Core Innovation Capital, Los Angeles, CA. Community Bank Advisory Council Members. ”

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San Antonio Kansas City Groups CA 60

Abrigo

AUGUST 1, 2016

Everywhere you look, it seems, there are articles about Millennials: Millennial workers, Millennial customers, Millennial homeowners, Millennial voters. Eight in 10 business owners report that a major, regional or community bank is their main financing partner for capital. They represent valuable wallet share.

Millennials 150

Millennials Survey Risk Management Groups 150

Gonzobanker

DECEMBER 20, 2019

The company’s market capitalization, which after declining to less than $600 million in the 2009 recession, has now grown to almost $3 billion. billion of assets under management. It was always clear how much Jones loves his credit union, his team and his community. Best of luck in the next chapter, Chris!

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Idaho Conference Data Marketing 148