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Get your ducks in a row: HVCRE risk management

Abrigo

In a recent Sageworks webinar Robert Ashbaugh, senior risk management consultant at Sageworks, discusses High Volatility Commercial Real Estate (HVCRE) lending best practices. That 13% represented 80% of the losses to the FDIC insurance fund. How did we get here?

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The Death of the Community Bank

Jeff For Banks

When I made that speech in 2008, there were approximately 8,500 FDIC-insured financial institutions and today that is around 5,000, a 40% decline. Banks and savings banks with greater than $10 billion in total assets control 86% of all FDIC-insured assets and 85% of deposits for the most recent quarter. It was a pretty alarming slide.

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LendingClub Broadens Access To Credit With Select Plus Platform

PYMNTS

Theorem Managing Partner Hugh Edmundson said in the announcement, “By integrating the Theorem Score, our credit investment model, with LendingClub ’s new Select Plus platform, LendingClub can now offer access to affordable credit to borrowers who would have previously been declined. .”

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Predicting the Next Banking Crisis Is a Fool’s Game. Not Learning From the Last One: Equally Foolish

Jeff For Banks

More recently and by comparison, the mortgage meltdown and subsequent global financial crisis took down more than 500 banks between 2007 and 2014, with total assets of nearly $959 billion. To you, manage your interest rate risk. Between 1980 and 1995, more than 2,900 banks and thrifts with collective assets of more than $2.2

FDIC 78
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The Federal Home Loan Bank System: Lender of Next-to-Last Resort

Jeff For Banks

"The FDIC recently has observed instances of liquidity stress at a small number of insured banks." So opened the Summer 2017 FDIC Supervisory Insights issue. So, according to the FDIC rate cap "guidance", you could not exceed 84 basis points on your money market accounts at December 31, 2017 if you were under regulatory scrutiny.

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Diversity reports at two federal agencies offer glimpse of regulatory review under impending Dodd-Frank diversity standards

CFPB Monitor

Two reports recently issued by the Offices of Inspector General at the Federal Deposit Insurance Corporation (FDIC) and the Office of the Comptroller of the Currency (OCC) may provide some insight on the impending final standards. ( FDIC Report ; OCC Report ).

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Disruptive technology will not kill banks

Jeff For Banks

Now the amount of money in US registered investment companies exceeds that in FDIC insured banks. Lending Club funded $5 billion in loans since its founding in 2007. I remember the days soon after leaving the military in the 1990''s that banks were hesitant to enter investment sales for fear of disintermediation of their deposits.