Abrigo

AUGUST 3, 2017

The FDIC paper The Entry, Performance, and Risk Profile of De Novo Banks published in April 2016 reports that the number of de novo bank failures and acquisitions annually has drastically declined since 2010, primarily due to the fact that new bank formations have become nearly inexistent.

Oklahoma City 150

Oklahoma City FDIC Handbook Oklahoma 150

Celent Banking

JUNE 22, 2017

A more surgical analysis considering market-specific shopping trends tells a different story – and justifies the build. In retail banking, everyone knows branch footfall has been in decline along with teller transaction volumes – and everyone knows why. Source: FDIC, Celent analysis.

Study 125

Study Community Bank Trends Analysis 125

ForwardBanker

APRIL 30, 2018

Long before the Great Recession made everyone in the banking industry rethink nearly everything about how they did business, numerous community banks were highly dependent on CRE loans for revenue. The post How Community Banks Can Resecure Their CRE Lending Business appeared first on Deluxe FS.

Community Bank 33

Community Bank Community Lending Industry 33

Jeff For Banks

FEBRUARY 17, 2021

She said: "Technological developments and financial market evolution are quickly escalating competition in the banking industry, and our approach to analyzing the competitive effects of mergers and acquisitions needs to keep pace. But the bank/thrift weighting scheme currently in effect does not reflect reality. Change is coming.

St. Louis 78

St. Louis Analysis Community Bank Community 78

Abrigo

APRIL 21, 2020

Steve Domine, President of Minnesota Community Banking and Senior Vice President of Lending at Stearns Bank, explained during a recent Independent Community Bankers of America (ICBA) webinar that his bank sought both inside and outside counsel to understand the SBA rulings. The PPP is still rapidly unfolding.

Lending 195

Lending Capital Minnesota FDIC 195

PYMNTS

JANUARY 31, 2019

is set to see its first new community bank in decades, as the Federal Deposit Insurance Corporation (FDIC) lent its approval for MOXY Bank to launch in Washington, D.C. With clearance to move forward with its plans, the community banking landscape will see its first new industry player in years.

Community Bank 122

Community Bank Community FDIC Marketing 122

Jeff For Banks

MAY 20, 2017

Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending. Maybe sub out an economist or two.

Lending 60

Lending Regulation Community Community Bank 60

Abrigo

NOVEMBER 9, 2022

The 2022 CECL implementation survey is the fourth such analysis since 2017 by Abrigo, which has worked with hundreds of financial institutions on CECL implementation. For community banks specifically, they’re already reserving for a lifetime of credit losses,” he said. They’re just doing it through the wrong mechanism.

Survey 195

Survey Software Resources Meeting 195

Jeff For Banks

OCTOBER 29, 2016

For example, deposit operations' expense as a percent of deposits should decline as the bank grows. I recently mentioned to a community bank management team that community financial institutions are slower to close branches because their decision making goes beyond the spreadsheet and market potential.

Training 60

Training FDIC Community Resources 60

Abrigo

SEPTEMBER 15, 2022

Bank monitoring in construction lending. More construction loan monitoring ultimately decreases loan default, according to a new FDIC Center for Financial Research working paper. While it doesn't necessarily reflect the views of the FDIC, the paper includes preliminary findings from research by FDIC staff and an FDIC Visiting Scholar.

Study 195

Study FDIC Lending Risk Management 195

American Banker

AUGUST 8, 2016

Under pressure from regulators to beef up risk management in commercial real estate lending, banks are using new software tools to improve analysis.

Big Data 28

Big Data Risk Management Data Analysis 28

Abrigo

MARCH 31, 2017

FDIC officials in March outlined several types of weaknesses in loan underwriting, administration and oversight practices that are emerging at some banks with CRE portfolios. Eberley, director of the FDIC's Division of Risk Management Supervision wrote in the publication.

FDIC 186

FDIC Risk Management Analysis Lending 186

Abrigo

MARCH 13, 2023

DOWNLOAD Takeaway 1 Silicon Valley Bank's failure is a stark reminder for other financial institutions that when a crisis occurs, it can spread rapidly. Takeaway 2 A good deposit analysis helps institutions do more than simply understand how to manage non-maturity balances in the ALM model. Do you get that from your deposit analysis ?

Strategy 195

Strategy Lending Security Analysis 195

Abrigo

MARCH 17, 2022

The 2022 stress test scenarios provide a blueprint for community banks and credit unions to get started on their own stress tests. Banks and credit unions can tailor them to their own instances rather than building them from the ground up – editing the regulator-developed scenarios as opposed to creating them from scratch. "a

Capital 195

Capital Regulation Risk Management Community 195