Jeff For Banks

JANUARY 27, 2011

I was at a strategic planning retreat a few weeks back where a colleague lauded the concept of bankers getting back to plain vanilla community banking. But if you read or watch interviews of CEOs of community FIs from 2008 forward, you will be bombarded with the message that they didn''t engage in the things that led to the collapse.

Community Bank 71

Community Bank Community Apple National 71

South State Correspondent

JUNE 13, 2022

Banks that are looking to enhance their risk management practices should consider incorporating the concept of the velocity of risk into their enterprise-wide risk management practices. Instantly, the cash flow for those businesses that many community banks lent to is impacted. Optimizing Risk.

Risk Management 195

Risk Management Examples social media Management 195

Gonzobanker

SEPTEMBER 14, 2016

We consult to the mid-size and community banking space. Like you, we make our livelihood from this industry and have deep respect for the banking business and the people in it. For many years, we all respected and admired the phenomenal brand you built—the folksy, hometown bank that scaled without compromising values.

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Management Community Bank Community US 60

Abrigo

AUGUST 26, 2015

“… it’s not 2008.”. There’s been much back and forth over the last week on this subject and the NCUA’s desire to stick to a 12-month examination cycle for the financial institutions it regulates. The longer interval is on the table for banks as well. This followed further transparency of the NCUA’s budget, which noted $6.39

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Survey Community National Community Bank 150

Jeff For Banks

FEBRUARY 4, 2023

Additionally, the implementation of new policies by the government, such as changes to taxes and regulations, could also influence economic outlook. Vendor management due diligence, such as "Where can I find third-party reviews on the nCino loan operating system?";

United States 78

United States US Cyber Security Taxes 78

Abrigo

MARCH 20, 2015

For the largest of American financial institutions – those that much of the public banks with for checking, mortgages and auto loans – stress testing regulations have been passed and executed to avoid a repeat of 2008. California is also a healthy state for banking – with 15 of 20 banks on the Western list in the Golden State.

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PYMNTS

FEBRUARY 4, 2019

launched its own Faster Payments Service in 2008. The system would facilitate 24/7 year-round interbank settlements of faster payments and also provide a liquidity management tool to support transfers between Federal Reserve accounts. Community banks and credit unions also offered their backing. billion in 2018 to $26.9

Payments 183

Payments System Cards Policies 183

Gonzobanker

DECEMBER 19, 2022

Financial institutions that relied on mortgage banking fee income as a key earnings component have been left to make big adjustments. As if that wasn’t enough, regulators took a sledgehammer to debit fee income with Reg II changes that will begin reducing card-not-present interchange fees starting in July 2023. Goes to Sen.

Community 216

Community Fintech Industry Innovation 216

Jeff For Banks

JULY 8, 2017

I believe that we are in this era of weak growth, now eight years old, for the long haul unless changes are made to regulation and we stop adding debt at break-neck speed. trillion in 2008. million at the end of December, 2007, before the crisis hit in 2008. million in December, 2008 and the peak occurred in October, 2009 at 21.4

Marketing 60

Marketing Community Bank Security Data 60

Jeff For Banks

DECEMBER 12, 2017

Their non-performing loans (NPL)/total loans ratio peaked at 12.54% in 2010, and between 2009-12, the Bank charged off over 11% of its loan portfolio. That got regulator's attention in the form of a May 2011 Consent Order (CO). In 2007, the Bank had $1.1 Over the next four years the Bank lost $58 million. Then, kaboom!

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Jeff For Banks

APRIL 21, 2012

JeffMarsico Credit Union CEO: "The differences between CUs & community banks are inflated by trade groups. We should focus on big banks." But, with the sum total of assets in CUs being less than JPMorgan Chase, it should make us wonder where community FIs should spend their energy. It inspired this blog post.

Community Bank 71

Community Bank Community Groups Lending 71

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. Do you get that from your deposit analysis ? How are you designing stress tests for liquidity

Strategy 195

Strategy Lending Security Analysis 195

Abrigo

APRIL 7, 2022

At recent Abrigo CECL Kickstart webinars, consultants demonstrated CECL implementation practices with an emphasis on the needs of community banks and credit unions. Once factors like the economy, new regulations, management changes, or even natural disasters are factored in, a greater allowance may be necessary.

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PYMNTS

MARCH 12, 2018

Chamber of Commerce is voicing its support for legislation that would ease regulatory burdens for the nation’s community banks in an effort to improve access to funding for small business borrowers. According to reports, the Senate is expected to pass the legislation this week.

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