Abrigo

FEBRUARY 17, 2015

commercial bank loan portfolios have continued to expand. As of the third quarter of 2014, the total value of portfolios was $7.4 Which areas of lending and what banks are driving the expansion? A recent issue of Banking Insights , published by the Federal Reserve Bank of St. trillion, up from $6.5

St. Louis 150

St. Louis Lending Community Bank Regional 150

Abrigo

JANUARY 15, 2015

With mortgage rates down in the US , many homebuyers are looking locally to their community banks to finance their new, potentially life-changing purchase. In the spirit of the go local movement, new data from Sageworks Bank Information peeked in on 10 cities to see which community banks were making an impact on local mortgage lending.

Cleveland 150

Cleveland Detroit Michigan Community Bank 150

Gonzobanker

MAY 8, 2015

The annual LendIt conference was held last month at Times Square in New York City and GonzoLender descended boldly on the scene to evaluate the mysterious underbelly of digital lending. The lending attack on community banks and credit unions has been waged. I’ll repeat that: one credit union and one community bank.

Conference 60

Conference Lending Community Bank Community 60

Jeff For Banks

DECEMBER 18, 2014

through its subsidiary BNC National Bank, offers community banking and wealth management services in Arizona, Minnesota, and North Dakota from 14 locations. It also conducts mortgage banking from 12 offices in Illinois, Kansas, Nebraska, Missouri, Minnesota, Arizona, and North Dakota. Well done! #3. BNCCORP, Inc.

North Dakota 93

North Dakota Arizona Minnesota Los Angeles 93

Independent Banker

OCTOBER 31, 2021

The CARES Act extended the CECL implementation deadline for many larger community banks until the end of the COVID-19 pandemic. Community bankers tell us that while the extension is welcome, they’re already down the road to implementation. ICBA tells FASB CECL isn’t feasible for community banks. By Stephanie Vozza.

Community Bank 91

Community Bank Community Software New York City 91

Abrigo

MARCH 17, 2015

According to the latest FDIC Quarterly Banking Profile, community banks continue to thrive and lead the industry. As more banks turn profitable – 90.3 Relationship-based lending can benefit both parties of the transaction. Unfortunately, competing on price alone is not likely to get you far in today’s environment.

How To 150

How To Community Bank Community FDIC 150

Independent Banker

FEBRUARY 24, 2016

As in past years, community bankers will continue to contend with a dynamic, highly competitive lending environment in 2016. Several trends have arisen that are likely to continue shaping the commercial lending market. Here are five commercial lending trends from some of the industry’s top commercial lenders.

Trends 79

Trends Community Bank Lending Community 79

Independent Banker

FEBRUARY 24, 2016

Just about every community bank makes commercial real estate loans. A whopping 95 percent of ICBA members are active commercial real estate (CRE) lenders, according to the latest ICBA Community Bank Lending Survey. Responsible lending. Regulators warn once again about rising CRE concentrations and risks.

Community Bank 70

Community Bank Lending Community Regulation 70

Independent Banker

SEPTEMBER 21, 2015

Under the right circumstances, providing residential mortgages that fall outside of the new federal Qualified Mortgage definition could help a community bank grow its lending, some community bankers say. a $613 million-asset community bank serving central and northern Wisconsin that engages in non-QM lending.

Community Bank 70

Community Bank Lending Community Survey 70

Independent Banker

OCTOBER 14, 2014

Robust online mortgage websites embrace today’s lending challenges as well as consumer needs. When Community Bank of Bergen County unveiled its online mortgage hub this summer, the bank put “ease of use” at the top of its goals for the site, says President and CEO Peter Michelotti. “I By Elizabeth Judd.

Community Bank 70

Community Bank Lending Community Oklahoma City 70

Independent Banker

OCTOBER 1, 2021

A cluster of community activists and business leaders pooled their resources to form Ponce de León Federal Savings and Loan Association, which opened its first branch on March 31, 1960. They named the community bank after the Spanish explorer and governor of Puerto Rico, Juan Ponce de León, to honor its founders’ roots. “If

Puerto Rico 113

Puerto Rico New York City Community New York 113

Celent Banking

MARCH 6, 2015

It’s an important topic that Celent discussed in a report published last year: And Then There Were None: The Disappearance of Community Banks. The figures below outline the decline of banks in the US, going from 11,462 at the end of 1992 to 5,809 in 2014. prepaid services, P2P lending, etc.).

Conference 100

Conference Retail Community Austin 100

Independent Banker

SEPTEMBER 25, 2014

This is particularly true for community banks preparing to undergo their next regulatory safety and soundness or compliance examination. Regulators and industry consultants agree that community banks are generally doing a great job handling their regulatory oversight and requirements. increased operational risks.

Compliance 101

Compliance Regulation Community Bank Community 101

Independent Banker

MAY 2, 2016

At The Bank of Tioga, we preserve the local touch and serve our clients and communities well. We ignite prosperity in all the communities we serve through community reinvestment, lending to local businesses, and providing educational opportunities for the community and our employees. The Bank of Tioga.

North Dakota 70

North Dakota Community Bank Community Risk Management 70

Abrigo

OCTOBER 2, 2014

• Leverage ratio – Includes off-balance sheet exposures and will serve as a “backstop to the risk-based capital requirement,” but could lead to reduced lending. • Liquidity Coverage Ratio – Will require banks to have “sufficient high-quality liquid assets to withstand a 30-day stressed funding scenario.”

How To 236

How To Capital Community Bank Maine 236

CFPB Monitor

AUGUST 22, 2016

The CFPB has announced the appointment of new members to its Consumer Advisory Board, Community Bank Advisory Council, Credit Union Advisory Council, and Academic Research Council. Community Bank Advisory Council Members. Ballard, Vice President and Director, First Iowa State Bank, Albia, IA. ”

San Antonio 60

San Antonio Kansas City Groups CA 60

Jeff For Banks

DECEMBER 16, 2022

The bank consists of two segments: 1) the traditional community bank, and 2) CCBX, which is its Banking as a Service (BaaS) division started in 2018. Prior to starting CCBX and for the year ended 2017, the Company had $806 million in total assets and $5.4 million in net income for an ROA of 0.73%.

Puerto Rico 78

Puerto Rico Virgin Islands Community Community Bank 78

American Banker

MAY 31, 2016

Arjun Sirrah takes great pride in his company's national-level success as a community bank in Connecticut competing against digital lending startups in student loan refinancing. billion in loans in the last couple of years. …

Connecticut 28

Connecticut Digital Banking Community Bank Lending 28

American Banker

MAY 31, 2016

Arjun Sirrah takes great pride in his company's national-level success as a community bank in Connecticut competing against digital lending startups in student loan refinancing. billion in loans in the last couple of years. …

Connecticut 28

Connecticut Digital Banking Community Bank Lending 28

Independent Banker

MAY 24, 2016

Direct payments made to farmers disappeared with the 2014 farm bill. million farms and the community banks that lend to them each growing season, Scanlan points out. Community banks also are likely to see increased regulatory scrutiny of agricultural loans this year. Congress targets crop insurance budget.

Community Bank 70

Community Bank Kansas City Community Iowa 70

Independent Banker

JULY 30, 2015

An award-winning, monthly magazine that provides in-depth industry news, including member profiles, lending and technology trends, and expert insights. Community Bank Career Center. The ICBA Community Bank Career Center is the community banking industry’s resource for online employment connections.

Resources 70

Resources Tools Community Bank Community 70

Gonzobanker

AUGUST 29, 2017

Anyone following the banking vendor space over the past few years knows that the standalone loan origination system providers – across all lending verticals of mortgage, consumer and commercial – are clearly taking the core vendors to the cleaners. A case in point is the acquisition of CMSI/Origenate by FIS in 2014.

Strategy 78

Strategy Lending System Community 78

Abrigo

APRIL 28, 2016

Capital: SBA fills gaps in the commercial lending marketplace so success in the small business sector is based on merit, not family wealth. SBA Administrator Maria Contreras-Sweet started three businesses in Los Angeles, including a community bank, before joining President Obama’s cabinet in April 2014.

National 150

National San Jose Los Angeles United States 150

Jeff For Banks

JUNE 2, 2023

Between 1980 and 1995, more than 2,900 banks and thrifts with collective assets of more than $2.2 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. The old borrow short, lend long strategy.

FDIC 78

FDIC Community Bank Regulation Lending 78

PYMNTS

APRIL 7, 2016

In his annual letter to shareholders, Dimon went on, at some length, to say that the “mission-critical” services that big banks can supply are the types of things “regional and community banks simply cannot do.”. “In The concept of breaking up the bank was shot down both in 2013 and 2015.

Washington 100

Washington Regulation Leadership Community Bank 100

Gonzobanker

FEBRUARY 20, 2021

The financial terms of Atlanta-based NCR’s deal for Bay area-based Terafina (founded in 2014) were not disclosed. But, the Terafina system has shown well in both bank demos and high-profile industry events like Finovate. And, this is at a time when banks are laser-focused on their ability to grow revenue digitally.

Digital Banking 97

Digital Banking Lending ATM Atlanta 97

Jeff For Banks

NOVEMBER 9, 2018

March 2017 - Failed the OCC's community lending test causing "significant harm to customers." And yesterday the Wall Street Journal reported that the OCC notified Wells that "the bank also has failed or isn't expected to meet deadlines on around two dozen technology-focused OCC regulatory warnings. Nationwide network?

New Jersey 60

New Jersey Compliance Community Meeting 60

American Banker

FEBRUARY 25, 2021

Soybean, corn and wheat are trading at their highest levels since 2014, meaning farmers are more likely to catch up on loan payments and pursue expansions that require them to take out more loans.

Payments 61

Payments Community Bank Industry Community 61

Jeff For Banks

SEPTEMBER 13, 2015

Chan came as part of the recap, and rose to Chairman in 2014. Since his joining the Board, the bank has stabilized, returned to profitability, recaptured it's deferred tax asset, and NPAs/Assets have declined to less than 3%. Selection: Mitch Englert, EVP of Community Banking, Capital City Bank Group, Inc.

Community Bank 60

Community Bank Lending Community Security 60

Independent Banker

OCTOBER 29, 2014

Big-brand megabanks, the Visa and MasterCard networks, and big-box merchants had signed up to become partners with Apple’s universal retail smartphone app that uses Near Field Communication and tokenization technologies. So where do ballyhooed mobile banking and payments developments among the biggest players leave community banks?

Mobile 105

Mobile Community Bank Community Technology 105

Gonzobanker

DECEMBER 22, 2020

And how did community banks and credit unions respond to the COVID craziness? Financial institutions went from having no PPP lending program at all to funding their first loan in 90 days – and this with literally last-minute regulatory guidance. The Tiny Bank that Did It Award UBank of Texas. Let us break it down for you.

Idaho 181

Idaho Community Industry Strategy 181

Independent Banker

APRIL 28, 2016

However, what makes it even more remarkable is that in 2014 we suddenly and unexpectedly lost our longtime president, Justin Harper. As a community bank, Citizens Bank of Las Cruces has roots in our community, in our history and in our culture. Our journey to becoming a high-performance bank began many years ago.

Leadership 70

Leadership Community Community Bank US 70

Independent Banker

SEPTEMBER 26, 2014

Even though the industry identified several major regulatory burdens, including those posed by the Truth in Lending Act and the Home Mortgage Disclosure Act, few substantive regulations were repealed. Many community bankers concluded that the EGRPRA is little more than a “check the box” process for regulators. Starting fresh.

Washington 70

Washington Fort Worth Regulation Community Bank 70

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

Ublocal

DECEMBER 22, 2021

We are located in a historic structure that was built in 1800 by Benjamin Harrington, directly across the street from the new branch of Union Bank. We started the business in 2006 here in Shelburne and moved to our present location in 2014. Catherine’s parish in Shelburne. “My My wife, Kelly, and I have lived in Shelburne for 12 years.

Vermont 52

Vermont Community Charlotte Leadership 52

Fintech Labs Insights

FEBRUARY 12, 2016

Around the web: Popular Community Bank and Oriental Bank to deploy Cardless Cash, mobile banking technology from FIS. Lending Club reports second quarterly profit since going public in December 2014. This post will be updated throughout the day as news and developments emerge.

Risk Management 12

Risk Management Community Bank Lending Fraud 12

Independent Banker

SEPTEMBER 22, 2015

Avoiding potential lending hazards from regulatory flood-insurance requirements. Recently Congress passed the Biggert-Waters Flood Insurance Reform Act of 2012, followed by the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA). There is an exception that will be key for many community banks to understand.

Regulation 70

Regulation Policies Community Bank Taxes 70