CFPB Monitor

APRIL 7, 2022

The FDIC has issued the March 2022 edition of Consumer Compliance Supervisory Highlights which includes a description of some of the most significant consumer compliance issues identified by FDIC examiners during consumer compliance examinations conducted in 2021. Fair lending.

FDIC 78

FDIC Compliance Lending Regulation 78

Bank Innovation

FEBRUARY 12, 2020

As of January, there were 3,989 in-store branches of FDIC-insured institutions housed within retail stores, a decrease of 2.3% since June 30, 2018, S&P Global Market Intelligence reported.? In-store branches are satellite bank branches located inside large retail spaces, such as supermarkets or chains like Walmart and Safeway.

FDIC 243

FDIC US Retail Digital Banking 243

South State Correspondent

MAY 7, 2024

With the assistance of the FDIC, Fulton Financial acquired certain assets, debt and deposits of Republic Bank. However, that faster growth was not unusual and reflects the bank’s higher growth markets. This analysis does not require the ability to predict future interest rates or future cost of liabilities or cost of capital.

Risk Management 195

Risk Management Security Management Groups 195

Abrigo

JUNE 11, 2021

Takeaway 2 Asset/liability management models use earnings or income simulation models and gap analysis to measure short-term IRR. Takeaway 3 The most common model to measure long-term IRR is an economic value of equity (EVE) analysis. FDIC) noted in its 2021 Risk Review. EAR, Gap Analysis. Regulatory Emphasis.

How To 195

How To Risk Management Analysis Kansas City 195

South State Correspondent

AUGUST 21, 2022

We compared and contrasted the two strategies and sized the market for community banks. Second, community banks should use FDIC-insured institutions as hedge providers, and the hedges must be structured as qualified financial contracts (QFC). We also shared a table that summarized the two strategies. Conclusion.

How To 195

How To Community Bank Community FDIC 195

Abrigo

NOVEMBER 11, 2019

Bankers since the financial crisis have become accustomed to seeing language like the following: “The FDIC is re-emphasizing the importance of prudent interest rate risk oversight and risk management processes to ensure FDIC-supervised institutions are prepared for a period of rising interest rates.” FDIC FIL-46-2013 October 8, 2013.

Management 150

Management FDIC Community Risk Management 150

Gonzobanker

JUNE 1, 2023

Increase both the frequency and specificity of board updates As board members scroll headlines and hear pundits daily, it’s critical that management provides flash industry updates outlining overall industry market moves and how these shifts do or do not correlate to the bank’s specific conditions.

Capital 157

Capital Strategy social media Analysis 157

CFPB Monitor

OCTOBER 6, 2022

In our view, the court’s analysis is misguided. According to both courts, a “substance over form” analysis is inappropriate when assessing whether a transaction or a party to the transaction falls under a constitutional or statutory exemption from the usury prohibition. Opportunity Financial, LLC and Beechum v. Navient Solutions, Inc.,

California 78

California FDIC Analysis Utah 78

South State Correspondent

SEPTEMBER 12, 2022

We examine all FDIC-insured commercial banks and S&L associations over the last three decades and plot COF versus short-term rates. The last two hikes were 75bps, and the market expects another 75bps in September. Let us know if you want us to run and share this analysis for your institution.

Community Bank 195

Community Bank Community Industry Online 195

South State Correspondent

APRIL 30, 2022

Based on the futures market, the Federal Reserve is expected to raise the Fed Funds rate to 3.00% at its December 2022 meeting. Historical Cost of Funds Analysis. We examine the roughly four thousand FDIC-insured commercial banks and S&L associations over the last four decades.

Community Bank 195

Community Bank Strategy Community FDIC 195

PYMNTS

JANUARY 24, 2019

“Aided with this new capability, Banc of California will be able to offer their local small business customers a market-leading lending program.” ” The company pointed to analysis from the FDIC , whose 2018 Small Business Lending Survey found that only a few banks in the U.S.

California 122

California Lending FDIC Online 122

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. Market shares for a local banking market are based on the deposits of depository institutions in the market.

St. Louis 78

St. Louis Analysis Community Bank Community 78

Celent Banking

JUNE 22, 2017

A more surgical analysis considering market-specific shopping trends tells a different story – and justifies the build. Source: FDIC, Celent analysis. Dick’s Sporting Goods, for example, announced strong sales growth and plans to add 43 new stores this year.

Study 125

Study Community Bank Trends Analysis 125

CFPB Monitor

NOVEMBER 24, 2020

A bank with $100 million or more in total assets would be presumed to hold such a market position but could attempt to rebut the presumption by submitting written materials to the OCC demonstrating it does not hold either market position. Comments on the proposal are due by January 4, 2021.

Operations 78

Operations Industry Analysis Policies 78

PYMNTS

MARCH 18, 2019

According to the Federal Deposit Insurance Corporation (FDIC), the percentage of unbanked Americans fell to its lowest level since the 2007-2009 financial crisis. She added that the annual $60 cost for the new accounts compares with charges of $200 to $500 per year at check cashing and money order service providers. In 2017, 6.5 million U.S.

America 175

America Survey FDIC System 175

Abrigo

AUGUST 6, 2021

according to FFIEC and FDIC data. Acquisitions allow organizations to spread costs across a larger asset base, recognize synergies within business lines, reduce staff, and consolidate branches in overlapping markets. Even though community banks make up a small share of total assets and deposits, 13.5% Background on Community Banking.

Community Bank 195

Community Bank Community Kansas City Lending 195

PYMNTS

NOVEMBER 1, 2018

That POV is reinforced by analysis such as this, which paints those longstanding banks almost as survivors subject to inevitable decline, even as they enjoy reasonably good fortunes. “So And that is a bank – one with FDIC insurance and safeguards that keep their money safe. 93 percent had a bank account.

Fintech 191

Fintech UX Mobile FDIC 191

Abrigo

APRIL 21, 2020

The PPPLF are non-recourse loans, and the Fed, the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC) have agreed that these loans will not increase the regulatory capital requirements for financial institutions leveraging these loans. The PPP is still rapidly unfolding.

Lending 195

Lending Capital Minnesota FDIC 195

Jeff For Banks

JUNE 30, 2013

Are there enough opportunities to bank your target customers in the new market? If you specialize in banking doctors and dentists and there are paltry few in the new market, I''m lost why you would consider going there. Is the market growing? This is a new question for your branch analysis. Are deposits increasing?

FDIC 109

FDIC Strategy New Jersey Branch Design 109

Abrigo

SEPTEMBER 5, 2023

As the FDIC said recently: Exceptions to policy should be few in number and properly justified, approved, and tracked. Get details in "A guide to implementing credit policy." There are certain instances where, for structural or competitive reasons, a guarantee is difficult to obtain.

Policies 195

Policies Lending Risk Management Examples 195

PYMNTS

JANUARY 25, 2018

In the most recent PYMNTS Global Cash Index, United States Analysis found that Americans spent $2.5 According to the Federal Deposit Insurance Corporation (FDIC)’s Consumers and Mobile Financial Services 2016 report, approximately 9 percent of Americans do not have access to banking services like checking, savings or money market accounts.

ATM 100

ATM Millennials FDIC New Jersey 100

Jeff For Banks

MAY 20, 2017

To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending. They need a marketing person to title their reports. The OCC did an excellent analysis of the impact of this guidance in 2013. What is the trend in your market?

Lending 60

Lending Regulation Community Community Bank 60

Jeff For Banks

JULY 31, 2017

One way to compare is to look at the p/e ratio compared to the market. Which is very close to the 3-year annual net income growth for all FDIC insured banks. I then took their market cap and deducted their tangible common equity to deconstruct their p/e between tangible book and their market cap over tangible book (see chart).

Regional 60

Regional FDIC Industry Risk Management 60

FICO

JANUARY 6, 2020

“We began to see a resurgence in small-dollar lending in 2018 with new regulatory guidance from the OCC and FDIC encouraging banks to compete with payday lenders.”. Chartis Research produced its Vendor Analysis report on Artificial Intelligence in Financial Services for 2019. Read the full post. Read the full post. by FICO.

Data 52

Data Analytics Lending Trends 52

Jeff For Banks

OCTOBER 29, 2016

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. So they worry about other things that go beyond the fact that their branch in that market has little chance of being profitable.

Training 60

Training FDIC Community Resources 60

CFPB Monitor

JUNE 15, 2020

The OCC acted alone in issuing the final CRA rule without waiting to achieve consensus with the FDIC, the agency with which the OCC had jointly issued the proposed rule. Our next blog post will address differences among the OCC’s final rule, the FDIC’s proposed rule, and the Federal Reserve’s existing regulations.

Community 60

Community FDIC Lending Examples 60

Jeff For Banks

APRIL 29, 2021

While seventy-five percent done with writing, I read Conscious Capitalism by John Mackey of Whole Foods Market and Raj Sisodia. They put hard numbers behind it in their appendix that shows "Firms of Endearment", i.e. those that serve a higher purpose than solely delivering to shareholders, outperform the general market.

Conference 78

Conference social media Capital Marketing 78

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. The FDIC’s announcement said a private placement offering will raise at least $25 million for the bank ahead of its launch. . Bloomberg listed Casey G.

Community Bank 122

Community Bank Community FDIC Marketing 122

Abrigo

SEPTEMBER 15, 2022

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. On-site inspections.

Study 195

Study FDIC Lending Risk Management 195

Abrigo

JANUARY 29, 2020

Key Takeaways The FDIC issued an advisory to FIs encouraging safe and sound lending practices in today's ag lending environment. FDIC) issued an advisory to financial institutions encouraging exceptionally safe and sound lending practices in agricultural lending. On January 28, the Federal Deposit Insurance Corp.

Lending 195

Lending How To FDIC Survey 195

Filene

JULY 18, 2018

The FDIC says more than 45 percent of Hispanic households were unbanked or underbanked in 2015. Here are just a few facts that support the notion that serving Hispanic immigrants and the Hispanic market as a whole is not only the right thing to do, it also makes good business sense: The annual spending growth rate for Hispanics is 4.1

Community 28

Community Study Resources Lending 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

Takeaway 2 A good deposit analysis helps institutions do more than simply understand how to manage non-maturity balances in the ALM model. But what we are not aware of is how leveraged these loans were and how the economic conditions that dried up the IPO market have impacted loan performance.

Strategy 195

Strategy Lending Security Analysis 195

PYMNTS

SEPTEMBER 21, 2020

And in PYMNTS’ own coverage, the twin external forces of regulatory scrutiny and market pressures are pushing FIs to retool and strengthen their anti-money laundering (AML) efforts. Much of those revamped efforts come, perhaps not surprisingly, through advanced technologies.

Fraud 347

Fraud Report System FDIC 347

Celent Banking

FEBRUARY 26, 2015

Brett King’s Op Ed in Banking Exchange, critical of the recent FDIC report , Brick-and-Mortar Banking Remains Prevalent in an Increasingly Virtual World. For starters, retail banks serve a diverse market with diverse needs and preferences. Source: US Department of Commerce, FDIC, Datamonitor, Celent analysis.

FDIC 100

FDIC Retail Digital Banking User Experience 100

Abrigo

DECEMBER 22, 2023

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. Click the header next to each number to visit the corresponding top blog post.

Risk Management 222

Risk Management Regulation Management Lending 222

MyBankTracker

AUGUST 12, 2020

The dashboard displays the following: A net worth history graph A current month budgeting progress pie chart A current month cash flow bar chart A portfolio balance history graph Your progress on your retirement savings for the year Emergency fund historical balance chart Debt paydown chart Market performance data Transaction Log.

Tools 52

Tools Capital Management Taxes 52