South State Correspondent

JANUARY 10, 2024

The market expects the current inverted yield curve to remain through much of 2024 (based on long-term interest rates and the expected rate cuts in 2024). This article will discuss how national, regional, and community banks may use loan hedging programs in 2024 to face earnings challenges. Only 304 banks (or 6.7%

Community Bank 195

Community Bank Community National Regional 195

South State Correspondent

APRIL 30, 2024

Loan-level hedging has become an important tool that many community banks have started to adopt in 2024. Eliminate Interest Rate Risk: Eliminate margin compression when interest rates rise. Second, the hedge provider must be an FDIC insured institution and structure its hedges as a qualified financial contract (QFC).

Community Bank 195

Community Bank FDIC Community National 195

South State Correspondent

APRIL 30, 2024

Loan-level hedging has become an important tool that many community banks have started to adopt in 2024. Eliminate Interest Rate Risk: Eliminate margin compression when interest rates rise. Second, the hedge provider must be an FDIC insured institution and structure its hedges as a qualified financial contract (QFC).

Community Bank 195

Community Bank FDIC Community National 195

Independent Banker

DECEMBER 31, 2022

The FDIC approved a final rule to increase initial base deposit insurance assessment rates by 2 basis points until the Deposit Insurance Fund (DIF) achieves the FDIC’s long-term goal of a reserve ratio of 2% of insured deposits. The FDIC’s long-term goal for the reserve ratio of insured deposits. Source: FDIC.

Compliance 100

Compliance FDIC Community Bank Community 100