PYMNTS

OCTOBER 16, 2017

Last week, P2Bi announced the rollout of a new partnership program that enables community banks to participate in its small business loan marketplace. Community banks are typically a better bet for small businesses in search of a loan, with approval rates higher than those at larger financial institutions.

Community Bank 110

Community Bank Community Fintech Lending 110

Abrigo

OCTOBER 8, 2014

This article is the first in a two-part series on top concerns and growth strategies of community banks. These are all phrases that resonate with community bankers. Data from Bank Director’s 2014 Growth Strategy Survey in August confirms that these are bankers’ greatest concerns. Risk analysis.

Community Bank 191

Community Bank Community Strategy Risk Management 191

South State Correspondent

AUGUST 21, 2022

Last week we wrote about loan-level vs. balance sheet hedging for community banks and provided our loan proposal generator ( HERE ). We compared and contrasted the two strategies and sized the market for community banks. A community bank may transact one or only a few balance sheet hedges over many years.

How To 195

How To Community Bank Community FDIC 195

American Banker

JUNE 9, 2023

Economic analysis from the real estate advisory CBRE finds that community banks are particularly imperiled by their exposure to commercial real estate loans. Others see looming risks in indirect lending.

Community Bank 101

Community Bank Report Analysis Lending 101

Abrigo

JUNE 11, 2021

Takeaway 1 Regulators stress sound risk management practices that include the ability to identify and measure interest rate risk (IRR). Takeaway 2 Asset/liability management models use earnings or income simulation models and gap analysis to measure short-term IRR. EAR, Gap Analysis. Regulatory Emphasis.

How To 195

How To Risk Management Analysis Kansas City 195

CFPB Monitor

OCTOBER 25, 2022

A DFS analysis of the dealer markups of the contracts purchased by Rhinebeck during the relevant time period found that Black, Hispanic, and Asian borrowers, on average, paid more in discretionary dealer markups than non-Hispanic white borrowers at statistically significant rates ranging from 15% to 39%.

New York 78

New York Lending Community Bank Community 78

Abrigo

NOVEMBER 18, 2016

In a survey of community banks and credit unions at the 2016 Sageworks Risk Management Summit, 42 percent of respondents said Commercial Real Estate, or CRE, lending was their primary focus for loan portfolio growth. This reflects a larger industry trend. For many, commercial real estate lending may be the ticket.

Community Bank 150

Community Bank Handbook Lending Risk Management 150

Abrigo

FEBRUARY 23, 2022

After the success community banks and credit unions had helping businesses in their local communities with lending during the pandemic , financial institutions continue to turn to small business loans as a source of portfolio growth. Market Trend. Small business lending is a focus.

Lending 195

Lending Community Bank Community Analysis 195

Independent Banker

JUNE 30, 2022

Effects of the pandemic and other factors creating unpredictability have changed how community banks approach their credit and lending operations. Bankers and industry observers have several recommendations for how community banks can come up with risk ratings and rankings that foster safe growth in a volatile economic climate.

Management 103

Management Community Bank Community Regulation 103

The Financial Brand

AUGUST 31, 2021

Framework takes into account all from funding to management depth to business recovery strength to lead to good choices by community banks. The post Bank Regulators Set Risk Guidance for Fintech Partnerships appeared first on The Financial Brand - Banking Trends, Analysis & Insights.

Regulation 32

Regulation Fintech Community Bank Banking Trends 32

Independent Banker

FEBRUARY 16, 2015

Here are two “executive playbook” steps to consider while preparing your community bank’s BSA/anti-money laundering risk assessment program. What are the specific products, services, customers, entities and geographic locations unique to your community bank? Step 1: Evaluate specific risk categories.

Analysis 70

Analysis Compliance Community Exercises 70

Independent Banker

AUGUST 31, 2021

Here are the key areas of D&I policies and practices that community banks may need if these requirements change or become mandatory. How does your bank’s diversity and inclusion (D&I) compliance program compare with the regulatory standards for D&I policies and practices? By Mary Thorson-Wright. Legislative updates.

Community Bank 91

Community Bank Policies Community Regulation 91

Abrigo

NOVEMBER 7, 2019

Strategies to lessen the impact of CECL on smaller community banks. Cost-benefit analysis: What is the FASB’s process, and how much of that information is public? Some CECL critics have called upon FASB to undertake a cost-benefit analysis of CECL to address and better understand the financial implications of the standard.

Community Bank 150

Community Bank Community Lending Analysis 150

Gonzobanker

FEBRUARY 22, 2024

Community banks need to analyze the demographics and varied business segments to identify the growth potential of each market. Another key player for successful small business banks is the vice president of business lending, who manages the relationship managers and reports to the chief lending officer.

Lending 78

Lending Community Bank Community Strategy 78

Abrigo

NOVEMBER 12, 2016

Many community banks and credit unions are turning to small business loans as a source of loan growth. In their Spring 2016 Semiannual Risk Perspective , regulators have publicly acknowledged increasing risk in commercial real estate lending, so small business lending seems like it may be an alternative path.

Lending 186

Lending Community Bank Community Analysis 186

Abrigo

DECEMBER 31, 2019

Key Takeaways The most popular blog posts on the Abrigo site reflect many of the priorities community banks and credit unions had in 2019. Top blog posts reflect bank, CU priorities. As 2019 winds down, community banks and credit unions have worked hard to attract new customers and members and to retain existing ones.

Lending 150

Lending Community Bank Software System 150

Abrigo

DECEMBER 2, 2021

Learn how a core deposit analysis helped improve this institution's forecasts. Indeed, deposit levels to transaction accounts among community banks exploded 74% to $896.5 31, 2019, and June 3, 2021, according to the Community Banking in the 21st Century report. billion from $515.3 billion between Dec.

Conference 195

Conference San Antonio Lending Fraud 195

Abrigo

MARCH 6, 2015

Ultimately, the Fed’s annual stress tests of the largest 31 financial institutions is to ensure that the bank’s capital levels could withstand another financial collapse, should one occur. During examination time, regulators are increasingly looking at a bank’s stress testing processes and resulting capital plans.

Risk Management 150

Risk Management Capital Community Bank Regulation 150

Jeff For Banks

MAY 20, 2017

And regulators are getting anxious. and New York Community Bancorp called off their planned merger. Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. The OCC did an excellent analysis of the impact of this guidance in 2013. Anxiety, anxiety, anxiety.

Lending 60

Lending Regulation Community Community Bank 60

Abrigo

SEPTEMBER 7, 2023

They can result in sub-optimal lending for community banks and credit unions as well as the communities they serve across the country. With the amount of data an institution has at its fingertips, it can be hard to determine what’s relevant and how to apply it for the most effective reporting and analysis.

Report 195

Report Lending Trends Data 195

Abrigo

APRIL 7, 2022

Today’s financial marketplace is challenged by increasing regulation, high expectations for fast and mobile financial services, and new fintech companies joining the already competitive arena. If your institutions are a good match, the financial analysis of an acquisition is usually straightforward. BSA Rules and Regulation.

Compliance 195

Compliance Policies Fraud Analysis 195

Abrigo

MARCH 6, 2017

See a similar list for the accounting profession: 15 Twitter accounts every accountant should follow 5) @rajeshkan – Rajesh Kandaswamy, research director at Gartner Group, focuses on mobile banking, mobile and cloud payments, channel convergence, digital strategy, big data analytics and outsourcing.

social media 150

social media Lending Community Community Bank 150

PYMNTS

SEPTEMBER 26, 2019

Favorable Regulations. With financial institutions continuing to explore how to service small businesses operating in this industry without running afoul of federal law, credit unions, along with community banks, have worked to fill in the finserv gap as larger financial institutions back away, according to Politico.

Lending 108

Lending Community Bank Community Fintech 108

NCR

MARCH 7, 2018

However, these firms have long been barred from offering full financial services in the US due to regulations mandating the separation of commerce and banking. But now one key regulator in the US has suggesting this could change. At the moment, thoughts of any changes to these regulations are still hypothetical.

Regulation 53

Regulation Retail Community Bank Community 53

Cisco

NOVEMBER 15, 2022

This actually makes the banking landscape more competitive than ever as small community bank and credit unions without the financial muscle and resources can compete with the big banks by tapping into these companies and APIs. Managing those applications in financial services is different than in any other industry.

Innovation 156

Innovation Security Data Innovation Strategies 156

PYMNTS

DECEMBER 27, 2019

With regulations surrounding data ownership, privacy and open banking now in full swing in multiple markets around the globe, opening up account data is now a requirement for many financial institutions (FIs). This past year, however, the open banking model flexed its muscles in markets like the U.S., An Evolving Landscape.

Community Bank 132

Community Bank Fintech Data Community 132

Jeff For Banks

FEBRUARY 17, 2021

Yesterday at the ABA's virtual Conference for Community Bankers (CCB), Federal Reserve Governor Michelle Bowman gave a speech, My Perspective on Bank Regulation and Supervision. The Board's framework for banking antitrust analysis hasn't changed substantially over the past couple of decades. Change is coming.

St. Louis 78

St. Louis Analysis Community Bank Community 78

Abrigo

NOVEMBER 24, 2014

The prevalence of stress testing within banks and credit unions has risen considerably in recent periods thanks to increased regulatory attention and the benefit of greater insight into financial institutions’ portfolios. Rather, it is part of the analysis process to show how the portfolio might hold up in different scenarios.

How To 223

How To Analysis Exercises Data 223

Abrigo

JANUARY 19, 2015

Often, they either failed to include forward-looking analyses, or the forward-looking analysis outlined in capital policy may not have gone to far enough extremes. The Dodd Frank scenarios, while they do not necessarily apply to community banks with less than $10B in assets, can provide some guidance. Blog Bank Credit Union'

Capital 150

Capital Analysis Policies Examples 150

Independent Banker

FEBRUARY 24, 2016

“I know that unnecessary regulation saps the strength of community banks.” Federal banking regulators are always alert to emerging safety and soundness issues. So our examiners will be vigilant in evaluating credit risk, and banks of all sizes should be as well. Curry, U.S. Comptroller of the currency.

Community Bank 70

Community Bank Community Regulation Compliance 70

Independent Banker

DECEMBER 13, 2015

Community banks face yet another set of regulatory requirements with the recently revised Regulation C reporting rule implementing the Home Mortgage Disclosure Act. Nevertheless, the new rules will impose significant new reporting mandates on many community bank lenders in the coming years. The onslaught continues.

Community Bank 70

Community Bank Community Resources Regulation 70

Abrigo

APRIL 21, 2020

Key Takeaways Financial institutions have 10 calendar days to disburse PPP loans To address financial institutions’ liquidity and leverage concerns, regulators have helped to facilitate lending. To address financial institutions’ liquidity and leverage concerns, regulators have helped to facilitate lending. How to fund PPP loans.

Lending 195

Lending Capital Minnesota FDIC 195

PYMNTS

SEPTEMBER 18, 2017

14) was the last day for the CFPB to receive comments on its data collection process, an initiative outlined in the Dodd-Frank Act that requires lenders to report on their SMB lending activity for regulators to promote fair lending. Thursday (Sept.

Data 101

Data Lending Comparison Community Bank 101

Abrigo

APRIL 15, 2022

Regulators expect that for institutions to maintain adequate levels of liquidity, banks and credit unions must be able to meet both expected and unexpected cash flow and collateral needs without adversely affecting daily operations or financial performance. See how improved liquidity analysis can improve profitability.

Management 195

Management Meeting Risk Management Operations 195

Abrigo

DECEMBER 16, 2019

Regulators, investors, and other stakeholders will be watching and listening for updates on the impacts of the accounting change. Even now, however, banks and credit unions with 2023 deadlines are seeking information about what the earliest adopters have learned so far in their implementation efforts. Be willing to change as needed. .

West Virginia 195

West Virginia Virginia Data Community 195

Abrigo

JUNE 5, 2023

In addition, even before the recent banking troubles, regulators have emphasized the financial institution’s responsibility to provide leaders with information on key areas of planning, operations, and risk management. Regulators review them to assess safety and soundness.

Report 195

Report Risk Management Capital Data 195

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. CECL Regulation. Portfolio Risk & CECL.

Survey 195

Survey Software Resources Meeting 195