South State Correspondent

FEBRUARY 27, 2024

Treating all credit facilities equally by setting minimum credit spreads regardless of size, term, cross-sell opportunities, lifetime value, and credit quality leads to misallocation of capital and substandard return on assets (ROA) and return on equity (ROE). Cost-plus pricing. Perceived value to the customer.

How To 195

How To Community Bank Community Management 195

Abrigo

DECEMBER 14, 2014

Many would point to imprudent lending standards as a leading cause of the financial crisis of 2008, and in turn, financial institution regulators have since bolstered lending standards and capital thresholds as a preventive measure against a similar crisis.

Guidelines 223

Guidelines Payments Lending Capital 223

Jeff For Banks

MAY 20, 2017

Both institutions were over the CRE concentration guidelines, so putting them together would exasperate this risk, so the regulatory thinking must have been. Construction concentration criteria : Loans for construction, land, and land development (CLD) represent 100% or more of a banking institution's total risk-based capital.

Lending 60

Lending Regulation Community Community Bank 60