PYMNTS

SEPTEMBER 12, 2018

Regional and community banks also saw their small business loan approval rates increase, with small banks approving 49.8 According to Biz2Credit, this is the highest approval rate for small banks since November 2014. percent approval rating in March of 2012, Biz2Credit noted.

Lending 102

Lending Community Bank Taxes Community 102

Abrigo

AUGUST 9, 2017

Avert Risk The OCC’s October 2012 Supervisory Guidance notes that financial institutions that perform stress testing “have the ability to minimize the impact of negative market developments more effectively” than those that do not have a stress testing process in place.

Columbus 150

Columbus Ohio FDIC Strategy 150

Independent Banker

JULY 30, 2015

Leading a team of marketing and communications experts, he is an outside-the-box thinker who believes strongly in the mission of the organization and the importance of community banks. Our members are thought leaders and visionaries who are the backbone of every community,” he says. Community Banking Month.

Resources 70

Resources social media Marketing Tools 70

Abrigo

APRIL 10, 2017

He showcased several statistics, including that, while the number of credit unions in the United States has declined since 2012, the number of credit union members in the U.S. The first module that Ancin covered during the webinar was the current state of credit unions and the current regulatory environment.

Regulation 150

Regulation United States Lending Community Bank 150

Abrigo

FEBRUARY 16, 2016

Based on filings with the IRS, however, reporting nonprofits’ revenues and assets grew more quickly between 2012 and 2013 than did their expenses, the Urban Institute said. notes that some nonprofits facing tighter funding from federal and state governments are turning to community banks for commercial loans and lines of credit.

Analysis 150

Analysis Lending Community Bank Community 150

Jeff For Banks

AUGUST 14, 2022

In 2012 the Obama administration launched "Operation Choke Point" ("OCP") which was designed to ensure banks considered the risk of banking payday lenders that were engaged in abusive practices. Because we are going after "climate related businesses." Again, legal businesses that are politically out of favor.

Operations 78

Operations Lending FDIC Industry 78

Independent Banker

FEBRUARY 16, 2015

While Washington often moves at a glacial pace, it recently came to life to enact reforms benefiting bank and thrift holding companies. These reforms—one enacted by Congress, another by regulators—are designed to improve access to capital and to even reporting requirements for community bank and thrift holding companies.

Washington 70

Washington Community Bank Policies Community 70

ABA Community Banking

NOVEMBER 25, 2019

As bank consolidation continued, between 2012 and 2017, the number of bank branches declined by 7% across all counties, according to a new research study published by the Federal Reserve today. The post New Fed Survey Examines Effects of Branch Closures on Communities appeared first on ABA Banking Journal.

Survey 69

Survey Community Study Community Bank 69

PYMNTS

MARCH 25, 2020

OceansFirst has been busy over the last week, sharing documents and templates for forbearance and others with banks as far away as Washington State. The bank had used these documents in the aftermath of Hurricane Sandy in 2012, which ravaged the east coast back then.

Kansas City 115

Kansas City Wyoming New Jersey Kansas 115

American Banker

JANUARY 27, 2020

Luis Massiani has been the company's chief financial officer since 2012.

Company 58

Company New York Community Bank Community 58

PYMNTS

FEBRUARY 19, 2018

According to a report, the new group of banks to now support Apple Pay include American Eagle Financial Credit Union, Central Virginia Federal Credit Union and Community Bank & Trust of Florida, among others. banks by assets have made 81 deals with FinTech companies since 2012 — and more than $4 billion in funding.

Payments 144

Payments Apple Comparison Virginia 144

Independent Banker

OCTOBER 29, 2014

Army Infantry Platoon leader who became a community banking manager. It’s no different in community banking. When I returned home from the deployment, the support I had from my community was clear—the same way Think Mutual Bank supports its local community. By Jeff Sabatke. It was 1 a.m.

Minnesota 98

Minnesota Community Community Bank Maine 98

Jeff For Banks

NOVEMBER 7, 2015

Me to a community banker: Why don't you offer more options than real estate secured lending to help fund early stage businesses? Banker: Because that's not community banking. I've been in this business over 20 years and still don't know the definition of community banking. I've got news for you.

Community Bank 60

Community Bank Community Baltimore Lending 60

Jeff For Banks

FEBRUARY 27, 2016

Except the bank never achieved greater than a 0.55% ROA and a 6% ROE. Say what you will about ING Bank USA, but don't say it was very profitable. And it sold in 2012 for around book value. The point of this post, and I do have one, is that Zenbanx needed a bank to get off of the ground. But I digress.

Fintech 60

Fintech Kansas Community Bank Capital 60

Jeff For Banks

JANUARY 11, 2014

According to a 2012 Boston College Center for Retirement Research study , 63% of American males (why only males I do not know) participated exclusively in defined contribution (DC) retirement plans in 2007, up from 47% in 1992. Others use very large financial institutions that can only loosely be called banks.

Boston 89

Boston DC Community Community Bank 89

Jeff For Banks

DECEMBER 7, 2019

It is the Mountlake Terrace, Washington holding company for 1st Security Bank, a $1.7 billion in assets community bank with 22 branches that encircle the Seattle Sound. Their vision is simple: "Build a great place to work and bank." It is the $888 million holding company for Plumas Bank. First Capital, Inc.

Indiana 78

Indiana South Dakota Oregon Community Bank 78

Abrigo

DECEMBER 16, 2019

Ours, who is Senior Vice President and Director of Credit Administration of Summit and its 32-location bank subsidiary, Summit Community Bank Inc., The bank originally considered mixing two methodologies – PD/LGD and cohort, but due to a lack of risk rating data, it would have only had data points for PD/LGD going back to 2012.

West Virginia 195

West Virginia Virginia Data Community 195

Jeff For Banks

MAY 31, 2017

In Brett King's 2012 book, Branch Today, Gone Tomorrow , he called for a 50% reduction in branches while asking what would banking look like in 2015. Between 2012 and 2015, there was a 4% branch reduction. Ask for a show of hands how many people bank with a bank that has a branch in the town where they live.

Branch Strategies 60

Branch Strategies DC Groups Fintech 60

Jeff For Banks

DECEMBER 22, 2013

For comparison purposes, here are last year''s top five , as measured during December, 2012: #1. Bank of the Ozarks, Inc. #3. Especially if I believe community banks must increasingly be known for some niche to differentiate. The branchless community bank operates in the Wilmington-Philadelphia market.

Community Bank 89

Community Bank Atlanta Community Strategy 89

Jeff For Banks

DECEMBER 29, 2020

It was the brain child for the nCino platform, which it formed in 2012 and spun off in 2014. While the S&P US BMI Banks Index was down 16%, FDBC held serve. This puts its price to tangible book ratio slightly north of 2x, high by traditional community bank standards today. Their 3Q ROA was 1.15% and ROE was 12.42%.

North Carolina 147

North Carolina Capital Community Bank Wisconsin 147

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Community banks target growth. Community banks have seen less volatility in noninterest income over time. Types of Noninterest Income. An important source of revenue.

Community Bank 195

Community Bank Community FDIC Trends 195

Independent Banker

AUGUST 25, 2016

Missouri Bank sharpens focus on trimming expenses. When John Zimmer took over as president of HNB National Bank in Hannibal, Mo., in 2012, he figured there was likely some fat to be trimmed. Zimmer says community banks shouldn’t be hesitate to negotiate with their vendors. By Ed Avis. Can we talk about that?’.

National 70

National Community Bank Missouri Community 70

American Banker

DECEMBER 20, 2016

said that the Office of the Comptroller of the Currency has terminated its 2012 consent order with its Flagstar Bank on Monday. Flagstar Bancorp in Troy, Mich.,

Community Bank 28

Community Bank Community Compliance 28

American Banker

OCTOBER 25, 2016

Flagstar Bancorp's quarterly profit increased after a decline in the value of a 2012 legal settlement liability tied to its mortgage lending practices.

Lending 28

Lending Community Bank Regional National 28

American Banker

JUNE 15, 2016

Southside Bancshares in Tyler, Texas, said that Sam Dawson, its chief executive since 2012, will retire at the end of the year and that its president, Lee Gibson, will succeed him.

Texas 28

Texas Community Bank Community 28

American Banker

FEBRUARY 23, 2016

The founder and former chief executive of Gibraltar Private Bank & Trust in Coral Gables, Fla., has sued the bank for fraud and breach of contract after it fired him in 2012.

Fraud 28

Fraud Community Bank Community Regulation 28

Independent Banker

SEPTEMBER 22, 2015

Recently Congress passed the Biggert-Waters Flood Insurance Reform Act of 2012, followed by the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA). Both of these laws pointedly changed the National Flood Insurance Program requirements over which of the banking agencies have jurisdiction. Small-lender exception.

Regulation 70

Regulation Policies Community Bank Taxes 70

Jeff For Banks

MAY 10, 2018

Our ALCO meetings have done an about face from the 2012 "what are we going to do with all of this money?" When I asked a community bank director of marketing about rate promotions and the success at turning them into loyal, core deposit customers, she was skeptical. to "how are we going to fund next month's loan pipeline?"

Retail 60

Retail Marketing Community Trends 60

Jeff For Banks

DECEMBER 1, 2015

“[Sample] Bank has reinvented banking with the opening of the [Branch of the Future]. To experience the future of banking today, simply step across the threshold.” So went the 2012 press release announcing the opening of the next generation of the bank branch. Not very inspiring.

Pennsylvania 60

Pennsylvania Community Bank Community Taxes 60

Jeff For Banks

MARCH 5, 2022

in May, 2012, but not near the all-time high of 22.0% DJ 02/19/22 Dorothy Jaworski has worked at large and small banks for over 30 years; much of that time has been spent in investment portfolio management, risk management, and financial analysis. Dorothy has been with Penn Community Bank and its predecessor since November, 2004.

Marketing 78

Marketing Policies Community Bank Community 78

Jeff For Banks

DECEMBER 26, 2012

This has led to a mind blowing net interest margin of 6.01% for the quarter ended September 30, 2012. Access National Corporation New to the august list is Access National, whose mission is to provide credit, treasury management and private banking services to emerging businesses with revenues of up to $100 million. Well done! #3.

Texas 82

Texas National FDIC Capital 82

Banking 2020

SEPTEMBER 7, 2015

In 2012, the city of New York passed legislation known as the Responsible Banking Act. Several banks resisted the effort—citing concerns over confidentiality and the expenses involved—and at least one apparently changed its status as a community bank. Now, all those worries are moot.

New York City 40

New York City New York Community Industry 40

Fintech Labs Insights

DECEMBER 30, 2016

I may have missed some decorations that had already been stored in the banks’ virtual attics. Previous year-end holiday posts: 2015 , 2014 , 2013 , 2012 , 2011 (big banks), 2011 (CUs/community banks), 2009 part 1 , 2009 part 2 , 2007 , 2006 , 2006 , 2004. ———-. 2016 Holiday Messages.

Texas 20

Texas Comparison Community Bank Analysis 20

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

Jeff For Banks

JULY 24, 2015

In 2012, researchers found evidence of the Higgs Boson particle, which is the particle believed to give everything mass. First Federal Update After our merger is approved by regulatory agencies, we will become part of Penn Community Bank. What will they find this time?

Puerto Rico 60

Puerto Rico Community Bank Community Risk Management 60

PYMNTS

MARCH 9, 2020

At the same time, bank branch closures appear to be accelerating, with small towns across the country losing a combined 14 percent of their banks between 2012 and 2017. “I think it would be foolish to expect that small community banks and credit unions can afford to keep up with that market,” said Coghlan.

Community Bank 188

Community Bank Community Innovation Regional 188

Fintech Labs Insights

DECEMBER 2, 2015

. “The digital banking experience matters when it comes to reaching millennials and retaining existing account holders,” he said, adding that Q2 is committed to serving the “increasingly digital modern consumer.” ” Pictured: Social Money CEO Scott McCormack demonstrating GoalSaver at FinovateSpring 2012.

Iowa 12

Iowa Austin Millennials Community Bank 12