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.

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Community Bank Strategy Community FDIC 195

Abrigo

APRIL 12, 2016

The FDIC is offering a fresh take on how a bank’s board of directors should understand and manage risk. The regulator’s April edition of Supervisory Insights provides what the FDIC called a “refresher” on its Pocket Guide for Directors, the 1988 booklet outlining the basic duties and responsibilities of a bank’s board of directors.

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Management FDIC Risk Management Community Bank 150

South State Correspondent

MARCH 13, 2023

There will be much more discussion and information written on this bank’s collapse, as well as the shutdown of Signature Bank and the story about Sterling Bank, and perhaps others in the weeks and months to follow. That fact makes the bank’s deposits less sticky and subject to outflow at any sign of insolvency.

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Risk Management Management Community Bank Community 221

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. It is time intensive.

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Oklahoma City FDIC Handbook Oklahoma 150

NCR

NOVEMBER 15, 2016

Aware of the disruptive changes in how banking products and services are delivered, community banks continue adopting new technologies to keep up with competition and customers’ demand. Will a mobile banking app really help to solve community banks’ challenges or is it just a waste of money?

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Abrigo

MARCH 17, 2015

According to the latest FDIC Quarterly Banking Profile, community banks continue to thrive and lead the industry. As more banks turn profitable – 90.3 A recent article by Randy Wardwell on BAI Banking Strategies highlighted eight tips for building winning relationships with your borrowers.

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How To Community Bank Community FDIC 150

Abrigo

JUNE 11, 2021

Would you like other articles on asset/liability management in your inbox? As recently as May 2021, regulators identified interest rate risk as among the key risks in the economy, financial markets, and the banking industry that could affect insured institutions. FDIC) noted in its 2021 Risk Review.

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How To Risk Management Analysis Kansas City 195

Gonzobanker

MAY 4, 2020

million fundraise including community bank participants Bank of St. Elizabeth, Coastal Community Bank, First Financial Bank, Kearny Bank, Provident Bancorp and Sunwest Bank. Other similar challengers Square and Varo Money received FDIC approval in the past couple months.

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Fintech FDIC Capital Community Bank 109

Independent Banker

SEPTEMBER 25, 2014

As a group, community banks spend substantial funds hiring outside consultants to help with various management functions, and a substantial share of dollars are spent to help oversee their risk management and compliance activities. Community banks often already have the expertise handy in-house, they say.

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Community Bank Compliance Risk Management Community 70

Abrigo

MAY 5, 2022

Podcasts for Bank & Credit Union Execs & Staff Are Plentiful; Here Are 10 Good Ones These banking podcasts discuss current events, strategic and policy issues, competition, digitalization advice, and more. Would you like other articles like this in your inbox? And all release a new episode at least monthly.

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Community Lending Maine Resources 195

Jeff For Banks

DECEMBER 16, 2022

The bank consists of two segments: 1) the traditional community bank, and 2) CCBX, which is its Banking as a Service (BaaS) division started in 2018. Jeff Note: I make no investment recommendations in this article or this blog. million in net income for an ROA of 0.73%. billion of total assets, $36.7

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Long Lasting Ideas

MARCH 3, 2016

I’ve written several articles about the future of banking, but it appears the Financial Accounting Standards Board could be putting nails in a few coffins. FASB’s complex proposal (Current Expected Credit Loss, or CECL) would force community banks to record a provision for credit losses the moment they make a loan.

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Community Bank Marketing Strategies Community Regulation 40

Jeff For Banks

MAY 20, 2017

Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. We perform this service for dozens of community banks.

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Lending Regulation Community Community Bank 60

The Financial Brand

MARCH 24, 2023

This article NYCB’s Strategy Shift Gets Big Boost from Signature Deal appeared first on The Financial Brand. Now it has picked up a not-so-secret weapon in that battle — Signature's private client relationship banking teams. NYCB needs to keep growing deposits.

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Strategy Branding New York Banking Trends 28

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. This article looks at trends in growth and composition as well as legal, regulatory, and competitive pressure on noninterest earnings. Community banks target growth.

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Community Bank Community FDIC Trends 195

South State Correspondent

MARCH 15, 2023

While we wrote about the root cause of the failure of Silicon Valley Bank (SVB) HERE , the lessons of the current banking crisis go beyond interest rate risk management. While interest rate risk caused the most significant impact on value, several other factors contributed to the terminality of each bank that was closed.

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social media FDIC Branding Management 195

Jeff For Banks

JULY 16, 2011

Bank equity is the primary buffer against loan losses. In the post, Mr. Johnson states "The problem is that some community banks do not have big enough loss-absorbing buffers — the role that bank equity plays." The context was bank failure risk is mitigated by FDIC insurance. Certainly equity plays the role.

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Capital FDIC Guidelines Regulation 67

South State Correspondent

APRIL 1, 2023

While banking returned to some semblance of normal, many banks continued under short-selling pressure. In this article, we recap the latest data on deposits and banking in order to give you an updated picture. Deposit Balances The Fed’s H.8 Additionally, as evidenced by the H.4.1

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Regulation Community Bank Community Capital 221