Abrigo

DECEMBER 11, 2014

For those with assets between $100 billion and $750 billion, the effective date is May 10, 2015, and for those between $50 billion and $100 billion, guidance will be effective on May 10, 2016. While the final guidance clearly applies to larger financial institutions, community banks should still take note.

Community Bank 207

Community Bank Community Guidelines Risk Management 207

Abrigo

FEBRUARY 2, 2015

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.

Community Bank 150

Community Bank Community Regulation Survey 150

South State Correspondent

FEBRUARY 8, 2016

The summation of the quarter is this – While return on investment dropped for the industry, community banks did just a touch better and increased return performance. We have compiled the latest data and have attached a complete presentation at the bottom of this blog post.

Community Bank 150

Community Bank Community Industry Data 150

Abrigo

JANUARY 1, 2016

Government Accountability Office (GAO), community banks and credit unions are starting feel the impact of the Dodd-Frank Wall Street Reform Act. The GAO report, released on December 30th, examined nine Dodd-Frank rules that became effective as of October 2015 for impact on community banks and credit unions.

Community Bank 150

Community Bank Community Compliance Training 150

South State Correspondent

AUGUST 10, 2015

Here is our quarterly report on banking industry trends and insights ( HERE ). In a nutshell, banking improved by most measures as the average bank became more profitable. In a somewhat rare occurrence, lending got safer, yet loan pricing on new production improved.

Community Bank 150

Community Bank Community Lending Trends 150

South State Correspondent

MAY 14, 2015

In order to give you the most current perspective on our banking industry, we have compiled the latest data and have attached a complete presentation at the bottom of this blog post.

Community Bank 150

Community Bank Community Industry Data 150

Finer Points

JANUARY 5, 2015

Happy 2015. I am humbled and grateful for the opportunity to kick off another year representing the nation’s community banks, an industry that has made its mark through honest dealing, community involvement and personalized customer service. Community Banks'

Community Bank 100

Community Bank Community US Industry 100

Abrigo

NOVEMBER 21, 2014

Several statements, including statements from the chairman of the FASB, alluded to a release date of Q3 or Q4 in 2014; however, in a September Board Meeting, the FASB decided to defer release of the new guidance to the first half of 2015. How should community banks prepare for the transition? youtube:UMytSO-ksGs].

Community Bank 223

Community Bank Analysis Community Video 223

Independent Banker

DECEMBER 1, 2015

For the second year, ICBA recognizes the exceptional work of the individual employees of community banks with its. Community Banker of the Year award program. The association accepted nominations online during the month of September, allowing anyone to recommend a community banker for consideration. George, Utah.

Community 70

Community Tulsa Texas Utah 70

South State Correspondent

OCTOBER 23, 2022

The most prolonged hiking duration is 36 months (December 2015 to December 2018), but that cycle was much less steep than the current hiking cycle. Dec 2015 – Dec 2018. Application to Community Banks. A second significant risk for community banks is repricing risk. Time Period.

Community Bank 221

Community Bank Community Meeting Lending 221

CFPB Monitor

APRIL 7, 2015

The CFPB’s Community Bank Advisory Council is scheduled to meet in Washington, D.C. on April 22, 2015. Credit Reports CFPB community bank credit reporting credit score' That discussion will be led by Corey Stone, the CFPB’s Assistant Director, Credit Information and Deposits Markets.

Community Bank 60

Community Bank Meeting Community Washington 60

CFPB Monitor

SEPTEMBER 16, 2015

The CFPB has announced that a meeting of its Community Bank Advisory Council is scheduled for September 30, 2015 in Washington, D.C. Director Cordray will be in attendance and there will be a discussion of consumer challenges in payments.

Community Bank 60

Community Bank Meeting Community Washington 60

Abrigo

FEBRUARY 5, 2015

The IBM Institute for Business Value released its 2015 report, “ The paradox of Banking ”, which analyzes the existing market and makes predictions about how the landscape will evolve, what will make banks succeed or fail and how institutions can use the market trends to their advantage.

Compliance 150

Compliance Software Community Bank Policies 150

Independent Banker

MARCH 31, 2022

This Community Banking Month, I invite you to try something new to spread your story. Share a new development, community project or initiative. As community bankers, we know relationships matter. Consider Watermark Bank in Oklahoma City, Okla., It’s about taking that next step to communicate how we engage.

Oklahoma City 161

Oklahoma City social media Memphis Community 161

NCR

NOVEMBER 15, 2016

Aware of the disruptive changes in how banking products and services are delivered, community banks continue adopting new technologies to keep up with competition and customers’ demand. Will a mobile banking app really help to solve community banks’ challenges or is it just a waste of money?

Community Bank 40

Community Bank Community Mobile Rhode Island 40

Independent Banker

NOVEMBER 30, 2021

First Southwest Bank is carving out new business models to address a need for credit and financial services through nonprofit lending programs and software that leverages its community development financial institution (CDFI) funding. First Southwest Bank isn’t one to borrow a page from another bank’s playbook.

Colorado 119

Colorado Community Bank Community New Mexico 119

South State Correspondent

FEBRUARY 17, 2015

The war of corporate banking is being fought over cash management. Unfortunately, many community banks are at a disadvantage because they''re under-armed. Most of the deficiency stems from strategy as it is rare we hear of a bank where building out their cash management offerings is a priority.

Management 150

Management Community Bank Community Strategy 150

William Mills

MAY 19, 2016

The Community Bankers Association of Georgia (CBA) held its annual spring meetings in cities across the state which this year included Macon, Hoschton and Albany (pronounced ALL-benie if you’re not from around these parts). The CBA meetings bring community bankers together to discuss opportunities as well as challenges within the industry.

Georgia 41

Georgia Community Bank Community Meeting 41

William Mills

MAY 19, 2016

The Community Bankers Association of Georgia (CBA) held its annual spring meetings in cities across the state which this year included Macon, Hoschton and Albany (pronounced ALL-benie if you’re not from around these parts). The CBA meetings bring community bankers together to discuss opportunities as well as challenges within the industry.

Georgia 41

Georgia Community Bank Community Meeting 41

Independent Banker

OCTOBER 31, 2021

How Americans bank has been changing for years, including how they start their banking relationships. Offering the ability to open an account online can be one way to reach customers who are unable to join your community bank in person. The Bank of Idaho integrated online account openings into its website in 2015.

Idaho 134

Idaho Community Bank Community New Jersey 134

Abrigo

AUGUST 3, 2015

According to a recent survey by the American Bankers Association (ABA), more than 46 percent of respondents had to reduce offerings for loan or deposit accounts, or other services, at their bank because of regulatory compliance burdens. A recent Forbes commentary, Dodd-Frank, Community Bank Decline, And The Effect On U.S.

Compliance 150

Compliance Community Bank Community Survey 150

Jeff For Banks

DECEMBER 28, 2014

Thank you, my readers, for taking the time to read Jeff For Banks. If you were curious why I enjoy working with community financial institutions, below is my weak attempt at explaining myself. But the over-riding message is: Let''s go get the big boys in 2015! I appreciate all of you. Happy New Year everyone!

Community 95

Community Community Bank Groups 95

South State Correspondent

AUGUST 8, 2022

Insights Based on 2Q Bank Earnings. Insight #1 – Deposit & Margin Management: Deposit runoff has started and will make it to community banks by October. For 2Q, larger community banks lost about 0.3% of their deposits, and small banks were either flat or continued to gain.

Trends 195

Trends Community Bank Community Retail 195

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. The conference was full of community bankers discussing evolving business models and the pressures its placing on their ability to gather deposits.

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Conference Retail Community Bank Community 100

South State Correspondent

APRIL 15, 2015

JD Power’s 2015 US Retail Banking Satisfaction Study that was released in part several weeks ago had some interesting information that might impact the strategy and tactics for community banks.

Study 150

Study Community Bank Community Strategy 150

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

ABA Community Banking

NOVEMBER 27, 2014

No coverage package is perfect, so avoid nasty surprises Duties Risk Management Operational Risk Community Banking Feature Feature3. 1Community Banking'

Risk Management 82

Risk Management Community Bank Community Operations 82

Independent Banker

AUGUST 31, 2021

Here are the key areas of D&I policies and practices that community banks may need if these requirements change or become mandatory. How does your bank’s diversity and inclusion (D&I) compliance program compare with the regulatory standards for D&I policies and practices? By Mary Thorson-Wright. Legislative updates.

Community Bank 91

Community Bank Policies Community Regulation 91

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. Generational wealth typically starts with home ownership,” says Doug Schaeffer, Woodforest National Bank’s executive vice president and executive director, CRA.

Austin 91

Austin Texas Community National 91

South State Correspondent

MARCH 16, 2015

Accordingly, our prepayment model for floating rate, adjustable and fixed rate loans expects loan prepayments to increase for community banks over the course of 2015 and 2016. This might be bad luck for some, but it is probabilistic for us.'

Community Bank 150

Community Bank Course Community US 150

Abrigo

SEPTEMBER 7, 2016

According to the Consumer Financial Protection Bureau’s (CFPB) Monthly Complaint Report , consumer banking complaints increased by 26 percent from 2015 to 2016. This three-month rolling average compares the number of complaints reported from May to July in 2015 against the same period in 2016.

Community Bank 150

Community Bank United States Policies Community 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

Independent Banker

FEBRUARY 16, 2015

Community banks should prepare for several significant new ACH rules in 2015 and 2016. 18, 2015, the unauthorized threshold per originator will be reduced from 1 percent to 0.5 The Federal Reserve Board adopted changes to posting rules for ACH and commercial check transactions beginning July 23, 2015. to 8:30 a.m.

Industry 70

Industry Community Bank Payments Operations 70

PYMNTS

NOVEMBER 13, 2020

13) civilly charged former Wells Fargo CEO John Stumpf and Carrie Tolstedt, ex-head of Wells Fargo’s Community Bank, with allegedly misleading investors in connection with the bank’s unauthorized accounts scandal. Securities and Exchange Commission ( SEC ) on Friday (Nov. Stumpf agreed to settle the charges by paying a $2.5

Fraud 230

Fraud California Community Bank Security 230

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

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. In the Northeast, The Bank of Castile lent the most to farms in Q1.

Community Bank 150

Community Bank Sacramento Lending Wisconsin 150

Independent Banker

MAY 2, 2016

First Central Bank McCook. ROAA in 2015: 1.87 ROAE in 2015: 18.19 At First Central Bank McCook, we credit our success to our outstanding staff and hardworking board of directors. Our directors are all hardworking southwest Nebraska natives who have a strong passion for our communities and community banking.

Nebraska 70

Nebraska Community Bank Community US 70