South State Correspondent

JANUARY 17, 2024

In our last article ( HERE ), we highlighted the methodology around why banks should calculate and drive value through customer profitability and product profitability. We focused mainly on customer profitability and used risk-adjusted return on capital as a proxy for profitability. increase in M/B.

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Study Maine Analytics Capital 195

Abrigo

AUGUST 28, 2022

Leveraging the efficiencies gained from lending software Banks and credit unions that leverage an integrated lending and credit platform reap the benefits of a consistent, efficient and defensible lending program. Would you like other articles like this in your inbox? Lending and Credit Software. Ag Lending.

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Software Lending Philadelphia Capital 195

Abrigo

NOVEMBER 4, 2015

Last month, the National Credit Union Administration (NCUA) approved the long-awaited final rule on risk-based capital requirements for credit unions. The Federal Credit Union Act requires NCUA to update its risk-based capital standards to be comparable with the federal banking agencies,” Matz added.

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Capital Lending National Tools 150

South State Correspondent

AUGUST 21, 2023

The three risks are: 1) rising funding costs to erode profitability, 2) reduced capital at small banks compared to larger banks, and 3) elevated commercial real estate (CRE) credit risks. Reduced Capital for Community Banks This is the more nuanced analysis in Moody’s banking sector analysis, but one that requires understanding.

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Community Bank Community Capital Analysis 195

Abrigo

MAY 19, 2023

Introduction A few good men and women In previous articles, we have explored the objectives of a loan review and credit risk review system in general. They should be knowledgeable of both sound lending practices and their own institution’s specific lending guidelines.

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Training Lending Risk Management Guidelines 195

South State Correspondent

MAY 23, 2023

Lending is getting riskier. In this article, we look at what is happening at the state level, look at 30 common industries where credit risk is rising, and 30 industries where credit risk is the lowest. This data is critical for pricing, capital allocation, and marketing. Once again, it is time to play more defense.

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Trends Minnesota North Dakota Arizona 195

Abrigo

JUNE 5, 2023

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. Takeaway 2 Reports that assess capital, growth, and liquidity provide banking professionals data to drive decisions. Regulators review them to assess safety and soundness.

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South State Correspondent

OCTOBER 17, 2022

In a previous article ( HERE ), we discussed the concept of Funds Transfer Pricing (FTP), why systemically important banks and large regional banks incorporate FTP, and why community banks should also consider implementing FTP. In this article, we look at using FTP attribution to better understand lending profitability.

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How To Community Bank Community Capital 195

South State Correspondent

MAY 3, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management. At its basic premise, FTP distributes banking profit between lending and deposits.

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Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management. At its basic premise, FTP distributes banking profit between lending and deposits.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management. At its basic premise, FTP distributes banking profit between lending and deposits.

Lending 195

Lending Capital Management Tools 195

Abrigo

APRIL 22, 2024

Recent dynamics of the small business lending market A deep understanding of the small business lending landscape and potential efficiencies can help banks and credit unions grow their portfolios. You might also like this guide for smarter, faster small business lending. Record new business formation and a wider gap between U.S.

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South State Correspondent

FEBRUARY 29, 2024

This article provides an update on pricing trends driven by our Loan Command aggregated community bank data and highlights some commercial loan insights that can improve bank performance. Lower lending growth in key size categories, such as the $1 to $3M range, saw less competition so that banks could increase pricing.

Trends 195

Trends Community Bank Community United States 195

Abrigo

AUGUST 2, 2023

This article outlines a structured approach to ensuring management can confidently answer inquiries about the health of their CRE segments and related credit performance. Stress testing helps you manage capital levels and credit risk. See how in this whitepaper.

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Abrigo

JULY 20, 2021

From leveraging PPP technology to building relationships, reasons for boosting SBA lending are numerous. . Want other articles like this on SBA loan origination in your inbox? Takeaway 2 Far fewer financial institutions regularly participate in SBA (7a) lending than the more than 5,000 that joined the PPP. . Why SBA Lending?

Lending 195

Lending FDIC Capital Risk Management 195

Gonzobanker

MAY 31, 2019

Financial institutions that want to play in the small business lending sandbox need to bring their digital toys. article , former Small Business Administration administrator Karen Mills said community banks with strong small business customer bases that don’t find new ways to serve them digitally are going to face a “reckoning.”

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Lending Community Bank Community Data 136

The Financial Brand

AUGUST 24, 2023

This article How Proposed Capital Rules Could Hit Credit Cards, Mortgages and More appeared first on The Financial Brand. This article How Proposed Capital Rules Could Hit Credit Cards, Mortgages and More appeared first on The Financial Brand.

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Capital Cards Regional Branding 29

The Financial Brand

FEBRUARY 4, 2024

This article Credit Card Watch: Balancing ‘Growth Math’ and Lending Risk appeared first on The Financial Brand. The meaning of 'normalization' and 'stabilization' in credit card lending depends on where you measure from.

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Lending Cards Branding America 18

Abrigo

OCTOBER 1, 2014

A recent American Banker article discussed why the local food movement is good for community banking. Develop a relationship-based lending framework. There is also good news for small business owners (SBOs), as bank-to-business lending is expected to increase in 2014. Develop a relationship-based lending framework.

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Community Bank Community Capital Lending 170

Gonzobanker

SEPTEMBER 21, 2023

Lending: Lending Leaves Change Color Abrigo acquired Valuant for compliance and credit risk and DiCOM Software for automated credit risk software and partnered with Charm Solutions to launch Abrigo Small Business Lending Intelligence. Credit union lending platform Clutch partnered with Zest.ai for automated underwriting.

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Fintech Software Illinois Lending 103

Abrigo

AUGUST 6, 2021

Would you like other articles like this in your inbox? Community banks are critical to ag lending and small business lending. Technology can help streamline and automate many manual lending processes, reduce compliance costs, and enhance risk management. How can community financial institutions thrive in 2021?

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Community Bank Community Kansas City Lending 195

The Financial Brand

APRIL 27, 2023

This article To Capitalize on Home Equity Opportunity, Go Beyond Credit Scores appeared first on The Financial Brand. This article To Capitalize on Home Equity Opportunity, Go Beyond Credit Scores appeared first on The Financial Brand. Credit score ‘inflation’ has made some people seem like better risks than they are.

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Capital Branding Banking Trends Trends 31

South State Correspondent

APRIL 3, 2023

In recent articles ( here and here ), we discussed why banks that take the interest rate movement risk demonstrate lower performance as measured by return on assets (ROA). The second article compared and contrasted community banks’ pay-for-risk and relationship business models.

Community Bank 195

Community Bank Community Lending Marketing 195

South State Correspondent

MARCH 14, 2024

In this article, we want to go deeper to show how by increasing your planning horizon, you can increase your long-term performance. Strategic Horizon and Capital As mentioned, the problem that bank’s often run into when it comes to strategic planning is their time horizon is too short. We were inundated with questions and opinions.

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Innovation Strategy Capital Comparison 195

South State Correspondent

MARCH 5, 2024

In this article, we will consider how and why loan size is one of the most significant drivers of profitability for community banks and what community banks can do to improve performance. First, larger loans are made to larger companies, and larger companies typically have more access to liquidity and capital, making them more credit-sound.

Community Bank 195

Community Bank Community National Lending 195

South State Correspondent

MARCH 5, 2024

In this article, we will consider how and why loan size is one of the most significant drivers of profitability for community banks and what community banks can do to improve performance. First, larger loans are made to larger companies, and larger companies typically have more access to liquidity and capital, making them more credit-sound.

Community Bank 195

Community Bank Community National Lending 195

Abrigo

DECEMBER 23, 2022

Would you like other articles like this in your inbox? Th e article is intended for the ALM rookie who wants to understand ALM basics: the process and its usefulness. Lending & Credit Risk. Blog posts to help your asset/liability management (ALM) staff strategize for the future These ALM posts were the most popular in 2022.

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Resources Risk Management Study Strategy 195

Abrigo

SEPTEMBER 5, 2023

In this article, I'll cover what a credit exception is, recommendations for creating loan/credit exceptions, and tips for developing an exception policy for the financial institution. unsecured lending is bad rather than unsecured lending should only be extended to high pass risk rated credit).

Policies 195

Policies Lending Risk Management Examples 195

Abrigo

JANUARY 11, 2022

This article kicks off a series intended to highlight how ALM can help financial institutions get the most profitability out of their balance sheets while managing their risk profiles. This initial ALM 101 article is intended for the ALM rookie who wants to understand ALM basics: the process and its usefulness.

Management 195

Management Meeting Capital Strategy 195

Abrigo

AUGUST 8, 2021

Would you like other articles on loan review in your inbox? This article is substantially updated from a 2013 blog post. Larger or more complex institutions might have credit risk review functions entirely separate from their lending functions. Reviewing lending staff’s risk ratings. Identifying Credit Weaknesses.

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System Lending Policies Regulation 195

South State Correspondent

MARCH 6, 2023

In an article last week ( HERE ), we discussed why real estate loans underwritten at common debt service coverage ratio (DSCR) and loan-to-value (LTV) levels may quickly become substandard credits if capitalization (cap) rates normalize, as expected because interest rates are rising.

Community Bank 195

Community Bank Community Lending Regional 195

Chris Skinner

MARCH 20, 2017

There was an interesting article in The Independent last week about the big banks becoming bigger since the financial crisis hit. The article notes that the big American banks control 70% of all US assets, and that this figure has increased 40% since 2008.

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System US Capital Lending 236

South State Correspondent

APRIL 30, 2022

In this article, we analyze the industry’s cost of funding earning assets (COF) and track how community banks’ COF behaves relative to larger banks. In future articles, we will explain our modeling for community banks’ COF based on inflation, Fed Funds rates, consumer consumption and the Fed’s balance sheet runoff.

Community Bank 195

Community Bank Strategy Community FDIC 195

PYMNTS

OCTOBER 6, 2017

5), Alenka Grealish, senior analyst at Celent, penned an article for American Banker with a prediction: The small business (SMB) credit space is headed for a “shake-up.” Between market consolidation and partnerships with traditional banks, alternative lending is certainly already an in-flux market. Alternative Lending.

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Lending Capital Marketing Report 152

South State Correspondent

SEPTEMBER 27, 2023

Ask most banks how they construct their lending portfolio, and they say that “it is what the market gives them.” In this article, we analyze a typical bank loan portfolio to uncover its weaknesses and then point out some improvements that can be put into place over the next year to limit risk. It is time to take risk off.

Lending 195

Lending US Marketing Capital 195

The Financial Brand

DECEMBER 21, 2022

This article 2023 Forecast: Auto Lending Will Rev Up — But at a Price appeared first on The Financial Brand. As inventories bounce back, pent-up consumer demand will get auto lending revving. This article 2023 Forecast: Auto Lending Will Rev Up — But at a Price appeared first on The Financial Brand.

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Lending Branding Capital 22

South State Correspondent

AUGUST 30, 2023

In this article, we explore what a data strategy looks like, how that translates into tactics, and how the “Next Best Action” should be a near-term goal to build towards. Banks like Capital One, for example, have 23% of their employees in some data analytical role.

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Data Analytics Strategy Examples 195