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Will the cost of regulation impact community bank customers?

Abrigo

For most consumers who have a checking account, savings account and maybe a mortgage, the regulations placed on their community bank isn’t given a second thought. Two recent surveys addressing the community banking landscape have pointed to increasing regulations as the primary cause of stress for these institutions.

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Valuing Our Client’s Success

Independent Banker

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.

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OCC warns about increasing credit risk

Abrigo

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.

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Agricultural Alert!

Independent Banker

This leaves federal crop insurance support as a key risk-management tool. However, the farm community already is being forced to defend even this scaled-back safety net. It’s a crucial risk-management tool” for 1.7 million farms and the community banks that lend to them each growing season, Scanlan points out.

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Are de novos making a comback?

Abrigo

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.

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Hot Wheels

Independent Banker

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. What types of auto loans does your community bank offer?

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Hot Wheels

Independent Banker

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. What types of auto loans does your community bank offer?