South State Correspondent

APRIL 30, 2024

An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks’ main goals are to diligently support their local communities and make an acceptable return on capital in these challenging times.

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Community Bank FDIC Community National 195

South State Correspondent

AUGUST 21, 2023

However, that publication, directly and indirectly, identified three discrete risks affecting community banks. We will outline what we think community bankers should glean from this publication. Risks to the Community Banking Sector Moody’s identified three risks to the banking sector, including risks to community banks.

Community Bank 195

Community Bank Community Capital Analysis 195

South State Correspondent

APRIL 15, 2024

We feel that as community bankers, we can learn from Jamie Dimon (Chairman and CEO of JPM) and from Warren Buffet’s annual shareholder letters. As usual, it was full of insight that every community banker should consider. Our focus is on information that pertains to the community banking industry.

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Community Community Bank Leadership America 195

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. Community bankers are not keeping these concerns to themselves. Last month, community bankers from all over the United States asked the Senate for regulatory relief.

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Community Bank Community Strategy Risk Management 191

Abrigo

FEBRUARY 14, 2024

Source: CBRE Apply scenario tests to CRE Assessing CRE risks for informed decisions Market monitoring and commercial real estate risk analysis are indispensable to sound CRE risk management. CBRE stated recently that the share of U.S. Some of these stressors include interest and vacancy rates or a decline in collateral values.

Risk Management 195

Risk Management Management Lending Capital 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. have emerged to do.

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Community Bank Community FDIC Marketing 122

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. suggests a shift is ahead.

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Community Bank Community Fintech Lending 110

CFPB Monitor

JUNE 2, 2022

In a surprising development, the California Privacy Protection Agency (CPPA) published proposed amendments to the CCPA regulations recently. The proposed amendments—which in effect are the draft CPRA regulations—were issued without advance notice, ahead of the schedule previously announced by the CPPA. .

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Regulation California Exercises Compliance 78

CFPB Monitor

JUNE 22, 2022

After announcing in 2021 their intent to work collaboratively to update the CRA regulations to achieve a more consistent framework, revisions to the CRA’s implementing regulations were recently proposed by the three U.S. banking regulators (the “2022 Joint Notice” or the “Proposal”). Performance Tests and Standards.

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Regulation Community Lending Retail 78

CFPB Monitor

OCTOBER 20, 2021

A group of 96 organizations and individuals, who describe themselves as consisting of “consumer, labor, civil rights, legal services, faith, community and financial organizations and academics,” have sent a letter to the CFPB urging the Bureau to regulate fee-based earned wage access (EWA) products as credit subject to the Truth in Lending Act.

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Regulation Groups Analysis Lending 78

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

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.

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How To Risk Management Analysis Kansas City 195

PYMNTS

DECEMBER 15, 2019

VeChain, which was started in 2015 in Singapore, showcases a lending platform based on the blockchain that aids clients in assessing the quality of items purchased via supply chain analysis. The platform features the VeThor Token (VTHO) and VeChain Token (VET). The company, which is based in London, notched $2 million in September.

Bitcoin 133

Bitcoin blockchain Regulation social media 133

Abrigo

DECEMBER 22, 2023

Abrigo's most popular risk management blogs over the last 12 months cover topics that continue to catch the attention of professionals and regulators. Probability of default and how it's used for expected loss Probability of Default/Loss Given Default analysis is a method used by larger institutions to calculate expected loss.

Risk Management 221

Risk Management Regulation Management Lending 221

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? Compliance Corner General Highlighting Regulation & Compliance'

Analysis 70

Analysis Compliance Community Exercises 70

Abrigo

NOVEMBER 8, 2019

Top down and bottom up analysis can inform capital assessments. Some financial institutions may view stress testing as a “check the box” practice to satisfy regulators, but others are making the most out of the process. Related to a top-down analysis is a reverse stress test. How to take the “stress” out of stress testing.

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Lending Risk Management Analysis Capital 150

Abrigo

FEBRUARY 23, 2022

Loan Decisioning Allows Small Business Lending to Grow Community financial institutions can leverage automated loan underwriting to increase small business lending and achieve consistency. . Would you like other articles like this in your inbox? Market Trend. Small business lending is a focus.

Lending 195

Lending Community Bank Community Analysis 195

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.

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Report Lending Trends Data 195

CFPB Monitor

FEBRUARY 17, 2021

Acting Director Uejio also expressed concern about “disparities in some companies’ responses to Black, Brown, and Indigenous communities” found by consumer advocates, but he did not name those consumer advocates or the studies that may have prompted his comments. He stated that “senior leadership of these companies can expect to hear from me.”

Regulation 78

Regulation Study Community Leadership 78

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

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. The 2022 stress test scenarios provide a blueprint for community banks and credit unions to get started on their own stress tests.

Capital 195

Capital Regulation Risk Management Community 195

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

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

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%.

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New York Lending Community Bank Community 78

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

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

CFPB Monitor

FEBRUARY 3, 2021

In Inclusive Communities , which was decided in 2015, the U. Initially filed in 2013 by the National Association of Mutual Insurance Companies (“NAMIC”) and the American Insurance Association (“AIA”), the plaintiffs filed an amended complaint in April 2016 in which they allege that the 2013 Rule is inconsistent with Inclusive Communities.

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Massachusetts Leadership Analysis Community 78

Abrigo

JULY 30, 2020

Regulators will have elevated interest in credit risk and the resulting impact in the months ahead. Meanwhile, recognizing that other financial institutions are vital to their own communities, regulators also have a long history of requiring various stress tests on individual risk areas of other institutions. Asset/Liability.

Capital 248

Capital Analysis Resources Management 248

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. It required these agencies to establish standards for assessing the D&I policies and practices of financial institutions they regulate. By Mary Thorson-Wright. Entities’ self-assessment processes.

Community Bank 91

Community Bank Policies Community Regulation 91

Abrigo

JUNE 19, 2022

And while regulators said some institutions would find the ELE tool useful for CECL, they acknowledged it did not represent a preferred method of regulators or a “safe harbor” method for GAAP compliance. They said it would not change examiner reviews of CECL allowance components. Relevant supervisory questions about CECL.

Tools 195

Tools Regulation Data Resources 195

Abrigo

DECEMBER 20, 2021

Now is the time for community financial institutions to pay attention. The CBOT penalty is a solid reminder to all community financial institutions that a robust AML program is critical in guarding against money laundering and terrorist financing risks regardless of size and risk. and CDD will be top of regulators' minds for some time.

Resources 195

Resources Texas Analysis System 195

BankUnderground

OCTOBER 18, 2022

They argue that these risks are not currently included within risk weights in the banking prudential framework and that regulators should adjust the framework to include them. Importantly, there is now broad agreement that climate change will create risks to the financial system that regulators should address.

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Analysis Regulation Capital Policies 100

CFPB Monitor

JANUARY 31, 2017

The Independent Community Bankers of America issued a statement calling on the Trump administration “to rein in the overzealous application of fair lending laws.” Requiring community banks to expand their market presence into neighboring counties would force them to alter their model and sound business practices.”

Community Bank 60

Community Bank Community Lending Minneapolis 60

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.

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Lending Community Bank Community Analysis 186

Jeff For Banks

MAY 20, 2017

And regulators are getting anxious. and New York Community Bancorp called off their planned merger. Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. The OCC did an excellent analysis of the impact of this guidance in 2013.

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Lending Regulation Community Community Bank 60

Gonzobanker

FEBRUARY 22, 2024

Community banks need to analyze the demographics and varied business segments to identify the growth potential of each market. Since fintechs are the primary competition for community banks in this space, the VP of business lending needs to pay special attention to this segment. According to Cornerstone analysis, roughly 50% of U.S.

Lending 78

Lending Community Bank Community Strategy 78

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. As 2019 winds down, community banks and credit unions have worked hard to attract new customers and members and to retain existing ones. Top blog posts reflect bank, CU priorities.

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Lending Community Bank Software System 150