Celent Banking

MARCH 16, 2015

This last week the American Banker Retail Banking Conference 2015 was going on in Austin, TX. As expected, it was a great way to read the temperature of the banking industry. P2P lending), and new payment schemes. How do community banks grow deposits in a climate of shrinking deposit share?

Conference 100

Conference Retail Community Bank Community 100

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

Independent Banker

DECEMBER 13, 2015

New Military Lending Act regulations kick in next fall. Following a three-year study on predatory lending, the U.S. Department of Defense has now issued the final rule to implement the Military Lending Act. 1, 2015, and compliance with the rule is required by Oct. By Mary Thorson Wright. 3, 2016, compliance date.

Lending 70

Lending Compliance Regulation Virginia 70

Abrigo

JUNE 25, 2015

During leaner years is often when the demand for ag loans increases , as it’s common for those full-time farmers to tap into their community bank to cover operating costs or invest is other lines of the agricultural business. The biggest name in ag lending is unlikely to be a surprise – John Deere Financial FSB.

Community Bank 150

Community Bank Sacramento Lending Wisconsin 150

PYMNTS

JUNE 14, 2018

The latest data from the monthly Biz2Credit Small Business Lending Index suggests a slump in small business lending among U.S. That figure is also a new high for post-recession big bank lending to small businesses. “ Credit union lending to small business has stagnated,” said Arora. credit unions.

Lending 108

Lending Community Bank Survey Community 108

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

APRIL 28, 2016

Ruby Valley National Bank is not much different from other community banks, except our risk threshold is probably higher than most. Serving a marketplace with a population of 7,800, where cows outnumber people by five to one, our community bank has developed strong agricultural lending expertise.

Community Bank 70

Community Bank Community National Lending 70

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

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

DECEMBER 13, 2015

Troy Peters, Jonestown Bank & Trust Co. Competition and regulatory risk in car lending race off. Vehicle loan originations reached almost $120 billion during the second quarter of 2015, states the New York Fed’s Household Debt and Credit Report. Half a dozen years ago, the community bank held $13 million in auto loans.

Community Bank 70

Community Bank Lending Community Security 70

PYMNTS

OCTOBER 8, 2018

Duff & Phelps, through its Global Enforcement Review, said at the end of last week that total penalties have climbed by 30 percent from 2015 to 2017, to $26.5 community banks and small business lending. billion through the first six months of 2018, where last year showed $18.4 billion over the corresponding period.

United States 174

United States Regulation cryptocurrency Cleveland 174

Independent Banker

NOVEMBER 24, 2015

Troy Peters, Jonestown Bank & Trust Co. Competition and regulatory risk in car lending race off. Vehicle loan originations reached almost $120 billion during the second quarter of 2015, states the New York Fed’s Household Debt and Credit Report. Half a dozen years ago, the community bank held $13 million in auto loans.

Community Bank 70

Community Bank Lending Community Security 70

Jeff For Banks

DECEMBER 19, 2015

through its subsidiary BNC National Bank, offers community banking and wealth management services in Arizona, Minnesota, and North Dakota from 16 locations. It also conducts mortgage banking from 12 offices in Illinois, Kansas, Nebraska, Missouri, Minnesota, Arizona, and North Dakota. What a ride! #3. BNCCORP, Inc.

North Dakota 60

North Dakota Arizona Michigan Florida 60

Independent Banker

AUGUST 31, 2021

This year’s winners: Left: Central Valley Community Bank, People’s Choice Award; Middle: Kennebec Savings Bank, Exceptional Community Bank Service Award; Right: Cross River Bank, Emerging Service Program Award. Exceptional Community Bank Service Award. Kennebec Savings Bank.

Community Bank 196

Community Bank Community National Fresno 196

Abrigo

OCTOBER 30, 2015

With the recession fading into the more distant past, banks – in particular, community banks – have seen several years of loan growth. Banks, according to Comptroller of the Currency Thomas Curry, are starting to reach for additional growth by lending to less creditworthy borrowers, a move that increases risk to the institution.

Lending 150

Lending Trends Risk Management Community Bank 150

Independent Banker

MAY 24, 2016

million farms and the community banks that lend to them each growing season, Scanlan points out. In a surprise move, congressional leadership sought to reduce the crop insurance program by $3 billion at the end of 2015 to offset other spending initiatives. A total of 300 million acres are covered by crop insurance.

Community Bank 70

Community Bank Kansas City Community Iowa 70

Independent Banker

MAY 2, 2016

A Team Together—CCB Community Bank’s management team(back row, from left): Michael Andrews, executive vice president of lending; William Mellown, president; and Debbie Grissett Sr., CCB Community Bank. ROAA in 2015: 1.90 ROAE in 2015: 17.681 percent. Tom Lane is CEO of CCB Community Bank.

Community Bank 70

Community Bank Community Florida Training 70

Independent Banker

DECEMBER 29, 2015

Since then, community banks have been struggling to understand all of the regulation’s various complex “moving parts” and how to best comply with it, says James Kendrick, vice president for accounting and capital policy at ICBA. ICBA supports strong minimum capital levels for all banks, including community banks.

Community Bank 70

Community Bank Community Capital Lending 70

Independent Banker

AUGUST 31, 2022

Daniel Galindo, pictured, and Doug Schaeffer of Woodforest National Bank helped involve the community bank in providing funding for and access to affordable housing. Combating the affordable housing crisis has been a critical goal for Woodforest since 2015. “We It supports many life endeavors.”. Maximizing NOAH.

Austin 91

Austin Texas Community National 91

Independent Banker

MAY 2, 2016

Although there have been many changes during the past 110 years, we believe our community bank’s founding families, of which many of those relationships still continue within our shareholder base, are proud of where we are today. Bank of Old Monroe. ROAA in 2015: 1.55 Our community bank has kept up with technology.

Community Bank 70

Community Bank Community Missouri Lending 70

Independent Banker

NOVEMBER 25, 2015

Regardless of the name, nonbank technology firms are wedging themselves between community banks and their customers by offering a slew of traditional and nontraditional banking products. See “Closing the Gap” in the November 2015 issue, online at www.independentbanker.org.). Siphoning customers.

Community Bank 70

Community Bank Community Analytics Lending 70

PYMNTS

MAY 16, 2016

The alternative lending market is showing signs of defeat against traditional bank loans, and SMEs are strengthening their demands for more than the typical solutions currently offered by traditional FIs. Those services include bitcoin and peer-to-peer lending, analysts said. 65% of U.K. percent of borrower applications.

Fintech 108

Fintech Lending Fraud Cards 108

CFPB Monitor

SEPTEMBER 21, 2015

The CFPB announced the appointment of new members to its Consumer Advisory Board, Community Bank Advisory Council, and Credit Union Advisory Council. New members to the Consumer Advisory Board will serve three-year terms and new members to the Community Bank and Credit Union Advisory Councils will serve two-year terms.

Groups 60

Groups Los Angeles San Francisco Community Bank 60

Independent Banker

APRIL 28, 2016

It is a great honor to be listed among the higher-performing independent community banks of America! North Valley Bank operates in the North Denver Metropolitan area and serves primarily commercial clients. Our lending niche is construction (owner and non-owner) and real estate investment financing. North Valley Bank.

Denver 70

Denver Community Bank Community America 70

CFPB Monitor

JANUARY 19, 2015

Mishkin The CFPB has published a notice in the Federal Register announcing that it is seeking applications from persons interested in becoming members of its Consumer Advisory Board, Community Bank Advisory Council, or Credit Union Advisory Council. The CFPB expects to announce new members in August 2015.

Groups 60

Groups Community Bank Community Lending 60

Independent Banker

MARCH 15, 2015

The ICBA and community bank campaign to improve those rules has included a comprehensive study on their impact that was released before the CFPB announcement of its proposed changes, which are expected to be formally adopted. Of course, this community bank victory is not the result of just one survey.

Washington 70

Washington Community Bank Community Survey 70

Independent Banker

FEBRUARY 24, 2015

The ICBA and community bank campaign to improve those rules has included a comprehensive study on their impact that was released before the CFPB announcement of its proposed changes, which are expected to be formally adopted. Of course, this community bank victory is not the result of just one survey.

Washington 70

Washington Community Bank Community Survey 70

Abrigo

AUGUST 3, 2017

For perspective, a mere 4 banks have opened since 2011, and two of those were in 2017 alone: both International Bank of Commerce of Oklahoma City, OK, and Blue Gate Bank of Costa Mesa, CA, opened in January 2017. For bankers considering starting a new bank, some of the hurdles you can expect include: 1.

Oklahoma City 150

Oklahoma City FDIC Handbook Oklahoma 150

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

Independent Banker

FEBRUARY 25, 2015

Coping just fine, community banks in energy-producing regions manage the oil-price plunge. Yet community bankers serving the oil industry say they’ve been expecting a drop in the notoriously cyclical price of crude. Pat Hickman, chairman and CEO of Happy State Bank, a $2.6 It’s nothing that banks here can’t handle.”.

North Dakota 70

North Dakota Texas Louisiana Community Bank 70

Independent Banker

MAY 2, 2016

ROAA in 2015: 2.48 ROAE in 2015: 24.49 Bank VI was founded in 2005 upon these sets of values: character, integrity and trust. Our bank is a direct result of the changes going on within the banking industry toward consolidation and mergers, and emerging larger banks. Salina, Kan. Assets: $76 million.

Lending 70

Lending Community US Operations 70

Independent Banker

MAY 2, 2016

Midwest Bank. ROAA in 2015: 2.16 ROAE in 2015: 22.61 The employees of Midwest Bank are pleased that the bank is featured as an ICBA high-performing community bank and are especially pleased that it represents the fifth straight year of this recognition. Detroit Lakes, Minn. Assets: $369 million.

Community 70

Community Detroit Community Bank Meeting 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

Independent Banker

JULY 30, 2015

His role is to research, develop and provide members with superior products and services that meet the ever-changing needs of community banks and to help them to increase their competitive advantage. Having the best products and services will help community banks continue to effectively serve and compete in their communities.

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. Functionality. Point systems provide better system functionality (usually).

Strategy 78

Strategy Lending System Community 78

Independent Banker

DECEMBER 28, 2015

Far more than any other issue, regulatory compliance is the biggest challenge community bankers experienced in 2015, with 43 percent naming it as such in ICBA’s State of the Community Banking Industry survey. First Security, a $180 million-asset community bank in New Salem, N.D., Making adjustments.

North Dakota 70

North Dakota Community Bank Community Compliance 70

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 between 2015 and 2022. The old borrow short, lend long strategy. There was an average of 4.3

FDIC 78

FDIC Community Bank Regulation Lending 78