Long Lasting Ideas

JUNE 8, 2016

Often in this space, we’ve written about how Washington has made community banks its personal punching bag. Sarbanes-Oxley, Dodd-Frank, the FDIC and other financial regulators – as well as Congress and the White House — have not been friendly to community banks, all while bailing out Wall Street big boys.

Washington 40

Washington Community Bank Community FDIC 40

Jeff For Banks

JANUARY 12, 2019

Then, as now, my working theory is that the best boards are ones that approve strategy and hold management accountable for achieving it, and effectively dispatch their duties as described by the FDIC above. Each board member is an ingredient in the effectiveness of the entire board.

Community Bank 60

Community Bank Community FDIC Dallas 60

Jeff For Banks

JANUARY 12, 2019

Then, as now, my working theory is that the best boards are ones that approve strategy and hold management accountable for achieving it, and effectively dispatch their duties as described by the FDIC above. Each board member is an ingredient in the effectiveness of the entire board.

Community Bank 60

Community Bank Community FDIC Dallas 60

Independent Banker

OCTOBER 1, 2022

“A lot of people have this notion that it will never happen to my business or my bank, because it’s too small,” says Linda Comerford, assistant vice president of incident response and cyber services at AmTrust Financial Services Inc. The bank was only able to get fully up and running after it paid a negotiated ransom.”.

Montana 152

Montana Policies Resources FDIC 152

Jeff For Banks

JUNE 2, 2023

The old borrow short, lend long strategy. I want to read to you the FDIC’s conclusion from their An Examination of the Banking Crisis of the 1980’s and Early 1990’s. In this regard, the bank regulatory agencies need to remain politically independent. Third, the regulators need adequate financial resources.

FDIC 78

FDIC Community Bank Regulation Lending 78

Jeff For Banks

MARCH 5, 2021

A bank trade association CEO asked me a couple of questions while he was researching an op-ed piece. Shouldn't the CFPB work to address the impediments to starting a bank in LMI markets rather than punish community banks who scrambled to serve their customers when the economy shut down? The edited Q&A is below.

Regulation 78

Regulation Indiana Charlotte Community Bank 78

Gonzobanker

AUGUST 22, 2014

The number of banks will continue to shrink from the present 6,700, and we won’t ever see more banks than we have today. While we may see an uptick in the number of new bank charters from the near zero we have today, too many other industries with less regulation will attract capital. Define Your Value Proposition.

Strategy 87

Strategy United States Community New York City 87

American Banker

APRIL 5, 2016

In an interview, FDIC Chairman Martin Gruenberg said the FDIC will work with banking groups, state commissioners and others to help foster the growth of new banking charters.

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FDIC Groups Community Bank Community 28

American Banker

APRIL 5, 2016

In an interview, FDIC Chairman Martin Gruenberg said the FDIC will work with banking groups, state commissioners and others to help foster the growth of new banking charters.

FDIC 28

FDIC Groups Community Bank Community 28

Jeff For Banks

FEBRUARY 17, 2021

Yesterday at the ABA's virtual Conference for Community Bankers (CCB), Federal Reserve Governor Michelle Bowman gave a speech, My Perspective on Bank Regulation and Supervision. Although readers know that many thrifts pursue business banking strategies. And to a lesser degree, credit unions.

St. Louis 78

St. Louis Analysis Community Bank Community 78

Independent Banker

NOVEMBER 25, 2015

Regardless of the name, nonbank technology firms are wedging themselves between community banks and their customers by offering a slew of traditional and nontraditional banking products. This is why ICBA and community banks must continue to push consistent regulation of bank and nonbank financial service providers.

Community Bank 70

Community Bank Community Analytics Lending 70

American Banker

SEPTEMBER 6, 2016

’s recent statements encouraging new bank applications are promising, but some barriers to new charters may remain inside the FDIC and we are still waiting for the first de novo of 2016. The Federal Deposit Insurance Corp.’s

FDIC 28

FDIC Policies Community Bank Community 28

Long Lasting Ideas

JULY 28, 2016

These days, when some in the political circle are calling for an expansion of Dodd-Frank, the chairman of the FDIC, Martin Gruenberg decided in April to ease regulations in an effort to try to jump start the creation of new banks. Continue reading FDIC’s welcome sign for de novos might as well be unplugged.

FDIC 40

FDIC Marketing Strategies Strategy Regulation 40

Long Lasting Ideas

MARCH 3, 2016

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. at Bank Marketing Strategy + Ideas. Let’s look back a few years at around 2007 and 2008, around the time of the Great Recession.

Community Bank 40

Community Bank Marketing Strategies Community Regulation 40

Jeff For Banks

MARCH 27, 2010

Regulators have been particularly harsh to those banks whose business plans call for other-than-traditional deposit acquisition. If your bank has brokered deposits, Internet deposits, jumbo CDs, rewards checking, and in some cases CDARs, a regulator near you may be calling to order you to seek more traditional funding.

Indiana 60

Indiana FDIC Strategy Regulation 60

American Banker

OCTOBER 5, 2016

in San Juan, Puerto Rico, will take a $55 million hit to third-quarter earnings after its bank lost an arbitration battle with the Federal Deposit Insurance Corp. Popular Inc.

Puerto Rico 50

Puerto Rico FDIC Community Bank Community 50

Jeff For Banks

SEPTEMBER 10, 2011

(Nasdaq: OZRK) of Little Rock, Arkansas Over a 100-year banking history, Bank of the Ozarks expanded from its headquarters in Little Rock, Arkansas, to more than 100 locations throughout the Southeast and is consistently ranked among the top performing banks in America (see chart). billion bank with a 3.60% ROA year to date.

Arkansas 66

Arkansas South Carolina FDIC North Carolina 66

Independent Banker

FEBRUARY 24, 2016

Welcome to the Crescent City, where the largest educational gathering of community bankers convenes this month. It’s Community Banking LIVE 2016 in New Orleans. Regulators Luncheon*. For the most current information about Community Banking LIVE 2016. So we want our checking accounts to be FDIC insured.

Community Bank 70

Community Bank Community Innovation Customer Experience 70

Jeff For Banks

OCTOBER 29, 2016

For example, deposit operations' expense as a percent of deposits should decline as the bank grows. I recently mentioned to a community bank management team that community financial institutions are slower to close branches because their decision making goes beyond the spreadsheet and market potential.

Training 60

Training FDIC Community Resources 60

American Banker

MARCH 11, 2016

Ray Grace, North Carolina's banking commissioner, believes federal bank regulators should embrace charters for banks dedicated to innovation. Doing so, he said, would help the banking industry secure its spot as a "laboratory for change.".

North Carolina 28

North Carolina Regulation Innovation Security 28

American Banker

MAY 9, 2016

’s request for input on mobile financial services allows banks to promote how their mobile app helps the underserved, which is a plus when seeking merger approval. The Federal Deposit Insurance Corp.’s

FDIC 28

FDIC Mobile Community Bank Digital Banking 28

American Banker

MARCH 16, 2016

on Wednesday over a watchdog report that said the agency used abusive tactics to stop banks from offering refund anticipation loans. Lawmakers sharply criticized the Federal Deposit Insurance Corp.

FDIC 28

FDIC Report Community Bank Community 28

American Banker

SEPTEMBER 1, 2016

The suggestion that any area has too many local institutions dismisses the importance of community banks and overlooks the dangerous effects of consolidation.

Community Bank 52

Community Bank Community FDIC Strategy 52

American Banker

AUGUST 31, 2016

Plenty of banks have ended their federal loss-share deals early, but despite the incentives to wind them down, plenty more still have these crisis-era arrangements in place. It may be due to varying deadlines, mistakes calculating loan values or worries that they still might need the coverage for home equity lines.

FDIC 28

FDIC CA Community Bank Regional 28

Independent Banker

AUGUST 26, 2015

Community banks and their customers don’t need to be concerned about the legality of digitally signed documents. Electronic signatures are accepted by banking regulators and meet state standards under the Uniform Electronic Transactions Act. Legal aspects.

San Francisco 70

San Francisco Lending System Atlanta 70

Jeff For Banks

MARCH 29, 2014

Two sections of the 10k I scroll to is the "Business" section and the "Business Strategy" section. This, one would think, would give me a feel of the bank''s differentiation strategy, it''s perceived competitive advantage, if you will. Well don''t get too excited. I picked Texas because of their perceived independent streak.

Strategy 101

Strategy Texas San Antonio Fort Worth 101

American Banker

JULY 26, 2016

In the years after the financial crisis, as banks were collapsing left and right, the Federal Deposit Insurance Corp. billion at March 31, as many banks negotiate early terminations of their FDIC agreements. Here are some notable banks that got out of their pacts.

FDIC 28

FDIC Community Bank Community Strategy 28

Abrigo

MARCH 13, 2023

Stress testing & deposit strategies in the spotlight The failure of Silicon Valley Bank offers other financial institutions the chance to reassess their approaches to and management of interest rate risk, liquidity risk, and credit risk. Stay up to date on the best ALM strategies for the current environment.

Strategy 195

Strategy Lending Security Analysis 195

American Banker

OCTOBER 3, 2016

A strategy to reinvigorate black-owned financial institutions would not only bring hope to the black community but would also be an inspiration for other minorities who seek to be more effectively served by financial institutions that understand their needs.

Community 70

Community Strategy FDIC Community Bank 70

American Banker

OCTOBER 11, 2016

Large banks are outpacing community banks in deposit gathering because new liquidity rules make deposits more valuable to the biggest banks, mobile banking has been a deposit magnet for the heavyweights, and regional and midsize players hold certain advantages over smaller rivals, too.

Community Bank 28

Community Bank Regional Community Mobile 28

American Banker

OCTOBER 11, 2016

Large banks are outpacing community banks in deposit gathering because new liquidity rules make deposits more valuable to the biggest banks, mobile banking has been a deposit magnet for the heavyweights, and regional and midsize players hold certain advantages over smaller rivals, too.

Community Bank 28

Community Bank Regional Community Mobile 28

American Banker

JANUARY 5, 2017

2016 was very good to these financial services executives, who succeeded where others failed, sold their businesses for large sums, felt the love of regulators or could finally breathe a sigh of relief.

Regulation 48

Regulation FDIC Community Bank Regional 48

American Banker

APRIL 29, 2016

When state and federal regulators closed Trust Company Bank in Memphis, Tenn., bank failure this year. on Friday, it was only the second U.S.

Memphis 28

Memphis Regulation Company FDIC 28

American Banker

DECEMBER 19, 2016

has entered into a consent order with regulators tied to the Bank Secrecy Act. Ameris Bancorp in Moultrie, Ga.,

Regulation 28

Regulation FDIC Community Bank Capital 28

American Banker

OCTOBER 3, 2016

has ended loss-share agreements related to two failed banks it acquired. Midland States Bancorp in Effingham, Ill.,

FDIC 43

FDIC Community Bank Community Strategy 43

American Banker

AUGUST 2, 2016

In a political season teeming with tension around income inequality, racial economic disparities and animus toward the banking industry, reforming the Community Reinvestment Act seems like it should be a cornerstone of the debate. Yet the law has been almost entirely absent from the discussion. Here's why.

Community 28

Community Industry FDIC Community Bank 28

American Banker

JUNE 29, 2016

bank got the final regulatory approval it needed to buy C&S and C1, but not before agreeing to address some community reinvestment concerns in the Atlanta market and elsewhere. The Little Rock, Ark.,

Atlanta 28

Atlanta Community Marketing FDIC 28