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 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

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

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.). These insights emulate relationship banking.

Community Bank 70

Community Bank Community Analytics Lending 70

Independent Banker

FEBRUARY 24, 2016

“I know that unnecessary regulation saps the strength of community banks.” Federal banking regulators are always alert to emerging safety and soundness issues. Our examiners report that they are finding weaker protective covenants, extended maturities and a layering of risks in loan portfolios. Curry, U.S.

Community Bank 70

Community Bank Community Regulation Compliance 70

Abrigo

OCTOBER 23, 2015

Behringer, McGladrey’s national leader for credit risk services. Portfolio stress tests can provide a number of benefits beyond compliance with regulatory expectations, Behringer said recently at the 2015 Risk Management Summit hosted by Sageworks.

Capital 150

Capital Analysis Examples Risk Management 150

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

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

Abrigo

AUGUST 1, 2016

Eight in 10 business owners report that a major, regional or community bank is their main financing partner for capital. And perhaps unsurprisingly given their youth, they are more likely to say they are willing to take financial risks in order to grow (67 percent) than are older small business owners (54 percent).

Millennials 150

Millennials Survey Risk Management Groups 150

Gonzobanker

APRIL 28, 2016

According to Cornerstone Advisors research , roughly six in 10 community bank and credit union CEOs are concerned with the regulatory burden. That’s down slightly from the 2015 level, but still one of CEOs’ top three concerns overall. Obviously there are significant burden and future changes to be concerned about, but so what?

Regulation 60

Regulation Management Community Bank System 60

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. Most of the more than 500 financial institutions that failed were community banks.

FDIC 78

FDIC Community Bank Regulation Lending 78

Independent Banker

DECEMBER 13, 2015

Even if you’re not required to use either version of the Cybersecurity Assessment, beta users say it can help your community bank gauge its cybersecurity risks and ultimately guard against cybercrime. At the Bank of Luxemburg, a $290 million-asset community bank in Luxemburg, Wis., Real-world testing. “I

Tools 70

Tools Community Community Bank Security 70

Independent Banker

NOVEMBER 24, 2015

Even if you’re not required to use either version of the Cybersecurity Assessment, beta users say it can help your community bank gauge its cybersecurity risks and ultimately guard against cybercrime. At the Bank of Luxemburg, a $290 million-asset community bank in Luxemburg, Wis., Real-world testing. “I

Tools 70

Tools Community Community Bank Security 70

Jeff For Banks

JANUARY 16, 2016

Between February and November, 2015, foreign capital was pulled out of the country to the tune of $843 billion. Their foreign exchange reserves are down in 2015 by 13%, or $500 billion, which is the first decline since 1992. They said they would raise rates in 2015 and they did. China is paying the price for these actions.

Community Bank 60

Community Bank Atlanta Data Marketing 60

Independent Banker

JULY 28, 2016

Although they vary by format, the content of the agencies’ guidance includes consistent broad-spectrum elements, which may seem largely theoretical, but their framework can be used effectively to manage regulatory requirements and changes. Just how can your community bank do all of those things? Are we meeting those criteria?

Compliance 70

Compliance Training Community Bank Regulation 70

Gonzobanker

DECEMBER 22, 2015

Well, what do we say about 2015? And, give or take a stumble or two, we snuck through it and did a reasonable job on 2015 objectives, in our humble opinion. So, it seems we’re good with only one outstanding item—digest the 2015 GonzoBanker Awards! 2015 Executive Call-out. Community bank marketing resources.

Community Bank 60

Community Bank Apple Community Technology 60

Jeff For Banks

FEBRUARY 1, 2019

A tightening campaign that started in December, 2015 and has totaled 2.25% has basically offset the boost from tax cuts and the tightening also succeeded in flattening the yield curve. Dorothy has been with Penn Community Bank and its predecessor since November, 2004.

Marketing 60

Marketing Community Bank Community Risk Management 60

Jeff For Banks

NOVEMBER 7, 2016

I think that job growth is symptomatic of weak productivity, which has risen by less than half of 1% from 2010 to 2015, compared to an average annual growth of 1.5% Dorothy has been with Penn Community Bank and its predecessor since November, 2004. However, the job growth is not translating into higher consumer spending.

Tools 60

Tools Community Bank Risk Management Community 60

Jeff For Banks

OCTOBER 25, 2018

The Fed has now given us eight rate increases totaling 2.00% since December, 2015. DJ 10/17/18 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.

Marketing 67

Marketing US Taxes Trends 67

Fintech Labs Insights

DECEMBER 2, 2015

The Social Money acquisition is the second for Q2 in 2015. In July, Q2 Holdings acquired anti-fraud, risk management specialist, Centrix Solutions for $20 million. The company’s solutions are used in more than 275 community banks and credit unions.

Iowa 12

Iowa Austin Millennials Community Bank 12

Gonzobanker

DECEMBER 22, 2014

Bank Acquisition of the Year - BB&T Corp. Nice community bank culture fit between the two as well. Bank Merger of the Year – California United Bank and 1 st Enterprise Bank in Los Angeles. But, nobody had this on the 2015 list until … Apple announced Apple Pay. Risk Management. ???

Los Angeles 101

Los Angeles Apple Risk Management California 101

Jeff For Banks

APRIL 22, 2018

25% for the sixth time since December, 2015. DJ 04/12/18 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. His recent predecessors were academics.

Marketing 60

Marketing Philadelphia social media Taxes 60

Fintech Labs Insights

SEPTEMBER 1, 2015

To whet your appetite for two days of fintech innovation, we’re releasing the full and final lineup of presenting companies for FinovateFall 2015. Buzz Points partners with community banks and credit unions to reward consumers for buying local and banking local. Blockstack.io The post Fall In!

Company 12

Company Software Analytics Mobile 12

Jeff For Banks

NOVEMBER 16, 2020

So now they are prioritizing full employment and will switch to “AIT,” or average inflation targeting, allowing the inflation rate to exceed their target for a period of time, rather than raising rates as they did from 2015 to 2018 chasing inflation that never materialized. Our area did not escape the devastation.

Marketing 78

Marketing National New York City Taxes 78