Abrigo

JUNE 11, 2021

Measurement plays an important role in ensuring that interest rate risk doesn’t threaten a financial institution’s earnings and capital. As recently as May 2021, regulators identified interest rate risk as among the key risks in the economy, financial markets, and the banking industry that could affect insured institutions.

How To 195

How To Risk Management Analysis Kansas City 195

Jeff For Banks

DECEMBER 16, 2022

Short-term focus is a common trait of banks that focus on shareholder primacy over stakeholder primacy. Total return includes two components: capital appreciation and dividends. As a point of reference, the S&P US BMI Bank Total Return Index for the five years ended December 9, 2022 was -1.21%. MetroCity Bankshares, Inc.

Puerto Rico 78

Puerto Rico Virgin Islands Community Community Bank 78

Jeff For Banks

JUNE 2, 2023

Finally, resolution of failing financial institutions requires that the deposit insurance fund be strongly capitalized with real reserves, not just federal guarantee.” Although community banks did not lend to sub-prime borrowers in any meaningful way, did we participate? To you, manage your interest rate risk.

FDIC 78

FDIC Community Bank Regulation Lending 78

Jeff For Banks

APRIL 14, 2022

2019 Mehrsa Baradaran Baradaran, Mehrsa The Color of Money: Black Banks and the Racial Wealth Gap 2019 Neil Barofsky Barofsky, Neil Bailout: An Inside Account of How Washington Abandoned Main Street While Rescuing Wall Street 2012 Patricia Beard Beard, Patricia Blue Blood and Mutiny: The Fight for the Soul of Morgan Stanley 2007 Ben S.

America 78

America National Denver United States 78

Abrigo

MARCH 17, 2022

Takeaway 3 Using stress testing scenarios helps banks and credit unions determine whether estimated loss rates will push projected capital levels below regulatory thresholds. Banks and credit unions must be able to adjust when necessary to ensure viability of the institution and the ability to supply capital to their local economy.

Capital 195

Capital Regulation Risk Management Community 195

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Capital One and Fifth Third Bank have launched programs to give customers early access to direct deposits, up to two days. Community banks target growth.

Community Bank 195

Community Bank Community FDIC Trends 195

Abrigo

MARCH 13, 2023

Historic collapse SVB is different from other financial institutions The FDIC closure and assumption of Silicon Valley Bank (SVB) – the largest bank failure since 2008 – is a stark reminder that when a crisis occurs, it can spread as fast as a wildfire in dry fields with a strong wind. Boy, did that impact capital ratios.

Strategy 195

Strategy Lending Security Analysis 195