South State Correspondent

JANUARY 10, 2024

Community banks’ use of swaps (banks’ primary tool to hedge interest rate risk on loans) has increased substantially over the last ten years. Meanwhile, community banks face net interest margin (NIM) and fee income pressure. Only 304 banks (or 6.7% Only 304 banks (or 6.7%

Community Bank 195

Community Bank Community National Regional 195

South State Correspondent

MARCH 13, 2023

The failure of SVB is the first example we can recall since the Savings and Loan crisis, where a bank failed mainly because of a duration mismatch between assets and deposits. On the liability side of SVB’s $173B in deposits at the end of 2022, approximately 97% were uninsured and above the $250k in FDIC protection threshold.

Risk Management 221

Risk Management Management Community Bank Community 221

Abrigo

MARCH 17, 2022

The Stress Test Scenarios for Big Banks Are Useful for Smaller Institutions' Own Tests Banking regulators recently released the 2022 scenarios for upcoming stress tests by the biggest banks. But small banks and credit unions can benefit from the stress test scenarios, too. What's in the 2022 stress test scenarios.

Capital 195

Capital Regulation Risk Management Community 195

Independent Banker

DECEMBER 31, 2022

While the pace of bank regulatory changes has diminished from a few years ago, several issues will either become effective or likely develop in 2023. Community banks must continue to stay focused on regulatory discussions and remain nimble to respond to proposals and address requirements quickly and accurately. Source: FDIC.

Compliance 100

Compliance FDIC Community Bank Community 100

Independent Banker

JUNE 30, 2022

Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. But as they always do, they came through for individuals and businesses in their communities with a combination of personalized service and prudent risk management practices. First Southern Bank.

Community Bank 172

Community Bank Community National Philadelphia 172

Abrigo

NOVEMBER 29, 2021

You might also like this webinar: "Is inflation the big gift to your 2022 earnings?". Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Community banks target growth. Drive growth with integrated risk management.

Community Bank 195

Community Bank Community FDIC Trends 195

Abrigo

MAY 5, 2022

Thankfully for bank and credit union executives, lenders, risk managers, and Bank Secrecy Act (BSA) Officers, banking podcasts and podcasts for credit unions are plentiful, and options are growing. Lending & Credit Risk. Portfolio Risk & CECL. Asset/Liability. Fraud Prevention. Learn More.

Community 195

Community Lending Maine Resources 195