2006 Community Bank Lending Management 
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'
Jeff For Banks
MAY 20, 2017
Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. How significant was CRE lending to the souring of bank loan portfolios?
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Jeff For Banks
APRIL 4, 2024
Depositors woke up and thought "what is my bank paying me?" The Fed has paused for nearly a year now, and it was our experience in 2006-07 that bank cost of funds continued to increase as the market closed the delta between what someone could earn in a money market mutual fund and a bank account.
Independent Banker
MAY 31, 2022
Ted Whitehurst, Providence Bank president and CEO, led the charge to open a new brick-and-mortar location of the Raleigh, N.C., community bank during the pandemic. Providence Bank chose to open a new brick-and-mortar site during the pandemic, when many other businesses were ceasing operations or shutting down altogether.
Jeff For Banks
JUNE 2, 2023
Outside of those two crisis periods, American banking failures have generally been uncommon, at least since the end of the Great Depression. banks failed a year. bank failures per year between 1996 and 2006, and 3.6 Before SVB, Signature, and First Republic, in fact, it had been over two years since the last bank failure.
Jeff For Banks
JUNE 8, 2013
Louis Fed recently performed a study to uncover the characteristics of community banks that thrived during the financial crisis. Thriving banks were defined as under $10 billion in assets, and maintained a composite CAMELS 1 rating in each exam cycle from 2006-11, an impressive accomplishment. This makes sense to me.
Ublocal
DECEMBER 22, 2021
Vice President, Branch and Business Development Manager : “After more than 27 years in banking it’s good to finally work for a Vermont based bank. My wife also works in Shelburne, managing The Terraces, a retirement community. I reside in Shelburne and have lived here with my wife, Dorothy, for 23 years.
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