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.

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How To Community Bank Community FDIC 195

Jeff For Banks

AUGUST 2, 2021

2/ @Schornack The primary asset of the organization was Flagship Bank Minnesota, a Member FDIC and Equal Housing Lender with two locations in the Twin Cities Metro Area. 3/ @Schornack The bank was under a cease and desist order and struggling with a high level of troubled assets. million in loans in the two locations.

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South State Correspondent

MARCH 15, 2023

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. This is compared to about 40% at most banks. The ratio would provide a bank’s current core capital position to risk-adjusted assets.

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social media FDIC Branding Management 195

Abrigo

MARCH 17, 2022

Takeaway 1 The 2022 stress test scenarios released by banking regulators for DFAST institutions can help smaller banks and credit unions analyze the potential impact of adverse outcomes. The 2022 stress test scenarios provide a blueprint for community banks and credit unions to get started on their own stress tests.

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