Independent Banker

DECEMBER 31, 2022

We recently spoke with community bank CEOs from across the country to gain insights on how they’re proactively positioning to manage risks and take advantage of growth opportunities in the coming year. Following some respite in 2022, community bankers are bracing for a tougher economic landscape ahead in 2023.

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South State Correspondent

JUNE 13, 2023

When interest rates rise, lenders struggle to manage revenue and economic capital; when rates fall, borrowers can commonly refinance the debt at lower rates. Borrowers are not capital market experts and need to understand what the market is forecasting – even though the market may be wrong in its forecast.

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Abrigo

NOVEMBER 9, 2022

Financial institutions work to meet Q1 2023 CECL deadline A CECL implementation survey by Abrigo found progress by financial instittuions is mixed ahead of the upcoming deadline. . In many cases, financial institutions adopting CECL for the 2023 deadline are tracking ahead of where SEC registrants were as they faced a 2020 deadline.

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South State Correspondent

JULY 30, 2023

How should community banks target and compare their ROE to the industry and their peer group, and what defines a top-performing bank? Community banks (assets under $10B) composed 14.3% Community banks (assets under $10B) composed 14.3% The graph below shows the quarterly ROE for all community banks from 1984 to Q1/2023.

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Gonzobanker

FEBRUARY 8, 2023

Fintech startups looking for funding in 2023 are finding that it isn’t as easy as it was a few years ago. Community Banks as Venture Capitalists In fact, not all providers of venture capital are venture capitalists. That figure is expected to grow by about a third to roughly $4 million in 2023. totaled $3.9

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Gonzobanker

AUGUST 24, 2023

The Credit Card Competition Act of 2023 could negatively impact banks’ ability to generate interchange fees and reduce the amount of capital they issue, however. The crisis the WSJ is alluding to is the short-term “crisis of 2023.” Every management fad has a life cycle, and the innovation fad is on its last legs.

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Abrigo

APRIL 25, 2024

Data in this report is current as of Q2 2023 and is representative of market trends and conditions at the time of publication. The negative correlation of funded business loans to the Fed funds rate is a staggering 86% as businesses weigh their needs for capital against expensive debt and lenders aim to limit risk.

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South State Correspondent

JANUARY 30, 2023

Rising funding costs and decreasing liquidity at community banks are causing managers to change pricing methodology for new credits. We estimate that 25% to 50% of community banks have a policy requiring minimum yield or credit spreads for new commercial loans. The drop in liquidity ratios is expected to accelerate through 2023.

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Jeff For Banks

FEBRUARY 12, 2024

Perry's perspective is clearly focused on shareholder value and may be viewed as shareholder primacy, a sometimes derogatory term because pursuing shareholder value could be done at the expense of other stakeholders, such as employees, customers, and communities. Raised capital in late 2019. i.e. not at the expense of stakeholders.

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Abrigo

MAY 24, 2023

Takeaway 2 Considering the urgent need for a legislative solution, the SAFE Banking Act of 2023 could bridge the gap between state and federal marijuana laws. The new 2023 version of the SAFE Banking Act was introduced in the House of Representatives ( HR2891 ) and the Senate ( S1323 ) in May 2023.

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Bussman Advisory

OCTOBER 7, 2023

Join our community of 50,000+ subscribers and stay informed on the latest trends and news in the FinTech & AI world with the weekly newsletter provided by Bussmann Advisory. This week’s must-know stories: Metro Bank’s Financial Struggles: Will Metro Bank in the UK be 2023’s next banking collapse?

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Independent Banker

NOVEMBER 30, 2022

First National Bank and Black Tech Nation Ventures teamed up to support minority-owned startups in the Pittsburgh community and beyond. Driven by her goal to cultivate a supportive community for diverse tech startups, Kelauni Jasmyn founded the fiscally sponsored nonprofit Black Tech Nation in Pittsburgh in 2018. By Elizabeth Judd.

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Independent Banker

OCTOBER 31, 2021

The CARES Act extended the CECL implementation deadline for many larger community banks until the end of the COVID-19 pandemic. Community bankers tell us that while the extension is welcome, they’re already down the road to implementation. ICBA tells FASB CECL isn’t feasible for community banks. By Stephanie Vozza. April 2011.

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South State Correspondent

AUGUST 8, 2022

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% More to this point, community banks will see increased competition from online-only banks. Insights Based on 2Q Bank Earnings.

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South State Correspondent

FEBRUARY 27, 2022

ARC enables community banks to take advantage of a flat yield curve, differentiate the bank from market competitors, provide a higher level of service to better customers, and instill more relationship business – all of this leads to more loans and more profitable customers. Current Risk in Term Lending. Why ARC Makes Sense.

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PYMNTS

JUNE 30, 2016

Walmart wants to add $250 billion worth of Made in the USA products to its stores by 2023, an ambitious plan the retail giant says will add 1 million new American-based manufacturing and support jobs as well. Harold Sirkin, senior partner and managing director at the Boston Consulting Group, who presented a forum on U.S.

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Independent Banker

APRIL 30, 2022

Ashley Horner (right), senior vice president and SBA loan administrator, shown with portfolio manager Melanie Elmore, says Summit Bank is on track to make $30 million in SBA loans this year. Here’s how community bankers can take advantage of various sectors—including SBA lending—over the next 12 months. billion asset community bank.

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Independent Banker

JANUARY 31, 2023

Digital media gives community bankers a platform for advocacy, and ICBA’s Virtual Advocacy Primer details how you can put it to work. How can a community banker best connect with a member of Congress? Are you trying to raise awareness about a certain policy or bill affecting community banks? What’s your end goal?

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South State Correspondent

APRIL 30, 2022

In this article, we analyze the industry’s cost of funding earning assets (COF) and track how community banks’ COF behaves relative to larger banks. In future articles, we will explain our modeling for community banks’ COF based on inflation, Fed Funds rates, consumer consumption and the Fed’s balance sheet runoff.

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Abrigo

NOVEMBER 17, 2023

While some of the recent trending fraud schemes are not new, they have been transformed to prey on communities already dealing with unprecedented times. billion to fraud in 2022, a 44% increase over the prior year and a trend that has continued into 2023. The downturn in the economy has undoubtedly affected fraud statistics as well.

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Gonzobanker

JULY 10, 2020

Regardless of their viewpoints on capital recovery, now is the time for banking leaders to reevaluate their planning strategies. In a recent Fortune survey, 55% of corporate executives said they expect to return to 2019 capital spending levels sometime in 2021. Forty-five percent expect it to be 2023 and beyond. Risk Management.

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South State Correspondent

SEPTEMBER 20, 2022

Bank Marketing Lesson 10: Increase Marketing Budget for 2023. It was agreed that too many lines of business, such as treasury management, commercial lending, and commercial deposits, are not utilizing their marketing departments enough, given the tremendous value of their products. The top part of this range seems to be around 10.5%.

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South State Correspondent

AUGUST 15, 2023

The fear of recession has decreased in 3Q, and the new primary concern shifts back to interest rate risk and deposit cost management. This article provides an update on pricing trends driven by our Loan Command aggregated community bank data and highlights some working pricing ideas. Total industry loans grew 5.1%

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Jeff For Banks

JUNE 2, 2023

//Jeff Marsico remarks to the 2023 New Jersey Bankers' Association Annual Convention: May 19, 2023// Four decades ago, the prolonged savings-and-loan crisis devastated the industry. To you, manage your interest rate risk. Although community banks did not lend to sub-prime borrowers in any meaningful way, did we participate?

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Jeff For Banks

DECEMBER 8, 2022

The downside to all of the rate hikes is that we face a high risk of recession in 2023. The problem is that we are not ready as an economy to turn on a dime away from fossil fuels and businesses are reluctant to make the necessary capital investments to drill for more oil. In 2023, we will be there.

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Abrigo

DECEMBER 28, 2023

Top banking risk management papers and infographics Abrigo experts' insights on deposit pricing, stress testing, loan review, and CECL were popular with banking risk professionals. Indeed, regulators and management alike focused on these risks more and more in 2023 following the failure of Silicon Valley Bank and repeated rate hikes.

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Abrigo

MAY 22, 2024

Small business lending is also a prominent line of business for many financial institutions, especially those driven by a mission to help their communities thrive. The Fed’s latest Small Business Credit Survey , conducted in 2023 and released in 2024, found that nearly 60% of employer firms had sought financing in the previous 12 months.

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South State Correspondent

JANUARY 30, 2024

For perspective, 2023 and what we expect for 2024 can be characterized as keeping up with revenue. Benchmarking can help banks better optimize capital as it gives bank management a sense of what the average is for the industry. The 2023 median fell so that bank IT spending made up 11.4% and 11.1%, with a median of 8.1%

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Abrigo

APRIL 22, 2024

Small business lending is also a prominent line of business for many financial institutions, especially those driven by a mission to help their communities thrive. The Fed’s latest Small Business Credit Survey , conducted in 2023 and released in 2024, found that nearly 60% of employer firms had sought financing in the previous 12 months.

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South State Correspondent

APRIL 10, 2023

CRE Risk Background While ten years ago, community and regional banks use to make up some 55% of the CRE market, in 2023, these banks now compose approximately 72% (below). The risk here is that community banks continue to take on an above-average amount of CRE credit exposure. touched off a wave of bankruptcies.

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Jeff For Banks

MARCH 5, 2022

Investors have seen this movie before and are fearful of recession in 2023 or 2024. in 2023, which is back to the lower equilibrium growth rate of just over 2%. Productivity has been on the rise, with capital investment in technology and machines, and may serve to keep unit labor costs in check and profit margins stable.

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Gonzobanker

DECEMBER 14, 2023

Meanwhile, technology changes continued at a breakneck pace, with generative AI the biggest topic around management tables. Our Troublemaker clients reacted to all this mayhem by keeping their focus on customers, making good loans, sticking to their digital transformation strategies, developing employees and giving back to their communities.

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Abrigo

DECEMBER 22, 2023

The most-read portfolio risk blogs in 2023 Probability of default, CECL model validation, and stress testing were among Abrigo's top blogs on ALM, CECL, and portfolio risk this year. Takeaway 2 Management reports, probability of default, and model validation topics were found in the top blogs for risk professionals.

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South State Correspondent

MARCH 15, 2023

It turns out that confidence is more valuable than capital. While we wrote about the root cause of the failure of Silicon Valley Bank (SVB) HERE , the lessons of the current banking crisis go beyond interest rate risk management. The ratio would provide a bank’s current core capital position to risk-adjusted assets.

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South State Correspondent

MAY 9, 2022

In our previous article ( HERE ), we reviewed the banking industry’s cost of funding earning assets (COF), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle. The Fed will surpass the total of the entire 2017-2019 balance sheet tightening by early 2023.

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South State Correspondent

JULY 25, 2022

2023 View: One extensive conversation that is taking place around bank performance is the fact that the Fed might be done with its rate hiking cycle earlier than planned, and the bulk of margin benefit would have accrued in 2022. Be prepared for the question of if you believe earnings will be lower in 2023. Asset Quality.

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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. Regardless of regulatory pressure, measuring and managing key risks are the cornerstone of community financial institutions’ enterprise risk management (ERM) programs.

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