South State Correspondent

MARCH 13, 2023

While we will cover the general lessons HERE , in this article, we wanted to focus on the root cause – how and why interest rate risk caused the second-largest bank failure in US history (Washington Mutual was the largest in 2008). Notably, most community banks’ duration risk is in the loan portfolio.

Risk Management 221

Risk Management Management Community Bank Community 221

South State Correspondent

MARCH 15, 2023

This article highlights ten not-so-evident lessons of the banking crisis that every banker must consider going forward. 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.

social media 195

social media FDIC Branding Management 195

Abrigo

MAY 5, 2022

Would you like other articles like this in your inbox? Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S. or largely focused on the domestic banking market. Main Street Banking: A Podcast for Community Bankers 8. Takeaway 2 With 2.8

Community 195

Community Lending Maine Resources 195

Abrigo

DECEMBER 22, 2023

Abrigo's top risk management articles The risk management blogs banks and credit unions are reading Probability of default, CECL model validation, and CRE risk are hot topics that risk management and accounting professionals will be tracking in the coming months.

Risk Management 221

Risk Management Regulation Management Lending 221

Jeff For Banks

DECEMBER 10, 2023

Although one might argue that First Citizens BancShares of Raleigh is a SIFI as it climbed to the 19th largest in the country with its Silicon Valley Bridge Bank acquisition from the FDIC, and that the FDIC designated SVB as systemically important. Communities First Financial Corporation (Now FFB Bancorp) (OTCQX: FFBB) #2.

Fresno 101

Fresno North Carolina Raleigh FDIC 101

Abrigo

JUNE 11, 2021

Would you like other articles on asset/liability management in your inbox? As recently as May 2021, regulators identified interest rate risk as among the key risks in the economy, financial markets, and the banking industry that could affect insured institutions. FDIC) noted in its 2021 Risk Review.

How To 195

How To Risk Management Analysis Kansas City 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. In the secondary market, guaranteed loans are liquid and command a premium.

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. In the secondary market, guaranteed loans are liquid and command a premium.

Lending 195

Lending FDIC Capital Risk Management 195

Gonzobanker

MAY 4, 2020

In the midst of unprecedented market volatility, recent deals and back-channel chatter illustrate that fintech demand remains high. Cornerstone Advisors’ payments guru Tony DeSanctis pointed to the unique value of Honey’s data and time to market, and I totally agree, but PayPal couldn’t build this for under $4 billion?

Fintech 109

Fintech FDIC Capital Community Bank 109

Jeff For Banks

DECEMBER 16, 2022

I chose five years because banks that focus on year over year returns tend to cut strategic investments come budget time, which hurts their market position, earnings power, and future relevance than those that make those investments. My method was to search for the best banks based on total return to shareholders over the past five years.

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Puerto Rico Virgin Islands Community Community Bank 78

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. As the FDIC said recently: Exceptions to policy should be few in number and properly justified, approved, and tracked.

Policies 195

Policies Lending Risk Management Examples 195

Jeff For Banks

MAY 20, 2017

and New York Community Bancorp called off their planned merger. Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending.

Lending 60

Lending Regulation Community Community Bank 60

Ublocal

FEBRUARY 11, 2022

When it comes to investing in the stock market, it can be intimidating to navigate all the options and terminology. In this article, we’ll take a closer look at investment portfolios, which are simply a collection of assets such as stocks, bonds, mutual funds, index funds and exchange-traded funds (ETFs). What is a Bond?

New Hampshire 52

New Hampshire Vermont Strategy Examples 52

Jeff For Banks

APRIL 29, 2021

The challenge was that it was a book designed for community financial institutions. I have written many articles for multiple publications. I have written many articles for multiple publications. She tore up my articles to sometimes unrecognizable levels. Marketing I'm now in the book marketing business.

Conference 78

Conference social media Capital Marketing 78

Jeff For Banks

OCTOBER 4, 2014

So said John Authers in a recent Financial Times article. Now the amount of money in US registered investment companies exceeds that in FDIC insured banks. The branch is king, and if you don''t have one in a market, you will not succeed there. And I believe him. Bankers have been killing banks for decades.

Technology 104

Technology Cyber Security FDIC Strategy 104

Long Lasting Ideas

MARCH 3, 2016

I’ve written several articles about the future of banking, but it appears the Financial Accounting Standards Board could be putting nails in a few coffins. FASB’s complex proposal (Current Expected Credit Loss, or CECL) would force community banks to record a provision for credit losses the moment they make a loan.

Community Bank 40

Community Bank Marketing Strategies Community Regulation 40

Jeff For Banks

FEBRUARY 6, 2011

The FDIC has nearly quadrupled its enforcement actions (“EA”) over the past three years. There are many Articles in EAs, and the strategic planning article in the above institutions is one of many. Why do many, if not most of these orders contain Articles relating to strategic and capital plans? I would vote no.

Regulation 70

Regulation FDIC National Capital 70

Jeff For Banks

AUGUST 22, 2014

The report, as cited in the article , (via @CUInsight) stated credit union investment revenues equated to $360 per million in share deposits, and that number was 21% greater than in banks, implying bank reps achieve $298 per million in deposits. trillion in assets , while bank assets in all FDIC insured financial institutions was $14.7

Retail 84

Retail Tools Management Taxes 84

Jeff For Banks

JULY 16, 2011

In the post, Mr. Johnson states "The problem is that some community banks do not have big enough loss-absorbing buffers — the role that bank equity plays." In the post, Mr. Johnson says, "If we had any kind of free market in banking, you would expect banks to have equity funding of at least 30 percent of total assets."

Capital 65

Capital FDIC Guidelines Regulation 65