South State Correspondent

FEBRUARY 27, 2024

Community bankers need to practice realistic loan pricing discipline. However, we need to understand the meaning of pricing discipline and its effect on community bank performance. This is strong evidence that community banks are pricing to an arbitrary minimum credit spread in this set of loans.

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How To Community Bank Community Management 195

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

OCTOBER 23, 2014

But how can this growth be managed appropriately? CEIS Review , a New York-based bank consulting firm, highlights the shift in a recent article. Community banks certainly want to remain conservative with risks and follow regulations. Blog Bank Credit Union'

Risk Management 186

Risk Management Management Lending Resources 186

Independent Banker

APRIL 30, 2022

During the pandemic, many community banks needed to change how they operated. For this and other reasons, now is a good time to review and refresh articles, bylaws and committee charters to ensure resilience and bolster risk management. But if they see it as a risk management tool, it’s a game changer.

Oregon 91

Oregon Community Bank Community Meeting 91

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. Learn more about the Sageworks Credit Risk Management Solution.

Community Bank 150

Community Bank Handbook Lending Risk Management 150

Abrigo

JUNE 11, 2021

Measuring Interest Rate Risk Can Vary by Institution Interest rate risk measurement plays a key role in ensuring an institution's safety and soundness. Would you like other articles on asset/liability management in your inbox? FDIC) noted in its 2021 Risk Review. Credit Risk Management. Learn More.

How To 195

How To Risk Management Analysis Kansas City 195

South State Correspondent

FEBRUARY 27, 2022

In our article last week ( HERE ), we discussed how the yield curve is currently flat between the three and 20-year points. Banks that cannot offer competitively priced term loans out to 20 years may be at a significant disadvantage when competing or retaining top-quality customers. Current Risk in Term Lending.

Lending 195

Lending Community Bank Community Meeting 195

Abrigo

APRIL 12, 2016

Directors overseeing a bank’s operations are important partners in supervisory efforts, the FDIC noted in the article (“A Community Bank Director’s Guide to Corporate Governance: 21st Century Reflections on the FDIC Pocket Guide for Directors.”). Risk management culture What exactly is a risk management culture?

Management 150

Management FDIC Risk Management Community Bank 150

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. They help manage and shape strategy in volatile economic and industry conditions. the Community Bank Leverage Ratio (CBLR) and the minimum Tier 1 leverage ratio).

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Report Risk Management Capital Data 195

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. The top lending and credit blog posts focused on improving loan pricing, creating a better experience for borrowers, and developing risk ratings. Top blog posts reflect bank, CU priorities.

Lending 150

Lending Community Bank Software System 150

South State Correspondent

APRIL 23, 2023

The root cause of Silicon Valley Bank’s (SVB) failure is poor risk management – plain and simple. Bankers need to understand and manage their business on the fair value of assets and liabilities instead of managing their business on net interest margin and the amortized historical cost of assets and liabilities.

Management 195

Management Security Risk Management social media 195

Abrigo

JULY 28, 2017

In a recent webinar for credit union executives, Danny Sharman a risk management consultant with Sageworks addressed loan data for these institutions, especially as they look toward the currect expected credit loss model (CECL) that will be required for the allowance for loan and lease losses (ALLL).

Data 150

Data Risk Management Community Bank Community 150

Abrigo

APRIL 1, 2015

This may have been due to some directors lacking experience and/or being too closely tied to the bank. A recent Wall Street Journal article by Victoria McGrane and Jon Hilsenrath highlighted how the nation’s regulators are increasingly questioning and turning their focus toward bank boards.

Risk Management 150

Risk Management Community Bank Regulation Boston 150

Abrigo

MARCH 23, 2015

It is only natural for community banks to have loan concentrations that result from the market(s) they serve and the markets they pursue. In today’s times, a high commercial real estate (CRE) concentration is often the result of community banks pursuing opportunity in the market. Blog Bank Credit Union'

Community Bank 150

Community Bank Risk Management Community Analysis 150

Abrigo

JUNE 5, 2015

In a recent Forbes article, Frank Sorrentino, Chairman and CEO of ConnectOne Bank, offered his take on how financial institutions should flip their mindset on regulators and examinations. It will require transparent communication and consideration of examiners on all levels of the bank’s functions.

Risk Management 150

Risk Management Community Bank Regulation Survey 150

Abrigo

MARCH 6, 2017

Following the right people or organizations on Twitter, for example, can generate a steady stream of informative articles and news alerts. 6) @NickatClarity – A consultant helping banks with sales to small and medium-sized companies, Nick Miller recently led a webinar for Sageworks on accelerating small business lending.

social media 150

social media Lending Community Community Bank 150

Abrigo

JUNE 28, 2023

Takeaway 3 Recommended reports on AML and fraud metrics for the board include those on high-risk customers and trends on types of fraud and suspicious activity seen. They wear many hats, especially in smaller community banks and credit unions. Would you like other articles like this in your inbox?

Compliance 195

Compliance Fraud Report Trends 195

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.

Oklahoma City 150

Oklahoma City FDIC Handbook Oklahoma 150

Long Lasting Ideas

JULY 7, 2016

Joe Wheeler has spent more than two decades in the financial services industry, much of that time helping community banks to craft strategic plans, while at the same time incorporating risk management and regulatory considerations into the strategic equation. at Bank Marketing Strategy + Ideas.

Marketing Strategies 40

Marketing Strategies Risk Management Community Bank Community 40

South State Correspondent

OCTOBER 26, 2023

In this article, we detail our thoughts and the trends we saw last week in Las Vegas from a banking perspective in hopes of giving you the flavor and insight from the conference without you having to walk 10 miles per day and listen to endless vendor pitches. It’s a whirlwind of education, deal-making, eating, and hugging.

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Conference Las Vegas Fraud Case Study 221

Independent Banker

SEPTEMBER 25, 2014

Saving money by conducting inside risk management and compliance reviews. 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 Bank 70

Community Bank Compliance Risk Management Community 70

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. FTP may have prevented the demise of First Republic Bank.

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. FTP may have prevented the demise of First Republic Bank.

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. FTP may have prevented the demise of First Republic Bank.

Lending 195

Lending Capital Management Tools 195

Gonzobanker

SEPTEMBER 21, 2023

NYMBUS secured Series D financing (led by Insight Partners), partnered with Hurdlr for small business banking; with Atty Bank, Saint Louis Bank ’s legal community bank; and with Roger, Citizens Bank of Edmond ’s military niche bank. Finastra partnered with Glia for digital customer service.

Fintech 103

Fintech Software Illinois Lending 103

Abrigo

APRIL 15, 2022

ALM & Measuring Liquidity Risk at Banks and Credit Unions Regulatory agencies expect financial institutions to manage liquidity risk using processes and systems commensurate with the complexity, risk profile, and scope of operations. Would you like other articles like this in your inbox?

Management 195

Management Meeting Risk Management Operations 195

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.

Community 195

Community Lending Maine Resources 195

CFPB Monitor

AUGUST 22, 2016

The CFPB has announced the appointment of new members to its Consumer Advisory Board, Community Bank Advisory Council, Credit Union Advisory Council, and Academic Research Council. Community Bank Advisory Council Members. Ballard, Vice President and Director, First Iowa State Bank, Albia, IA. Ian Ayres, William K.

San Antonio 60

San Antonio Kansas City Groups CA 60

Abrigo

AUGUST 1, 2016

Everywhere you look, it seems, there are articles about Millennials: Millennial workers, Millennial customers, Millennial homeowners, Millennial voters. Banks are critical financing partners for growing enterprises. Eight in 10 business owners report that a major, regional or community bank is their main financing partner for capital.

Millennials 150

Millennials Survey Risk Management Groups 150

Gonzobanker

MARCH 23, 2020

Cornerstone Advisors has been a broken record telling the story of a community banking industry that’s falling behind in online and mobile capabilities. Our long novels about slowly losing ground to the mega banks just became an audio book to be played on high speed while walking between the kitchen and home office to refill on coffee.

Community Bank 135

Community Bank Tools Case Study Online 135

Jeff For Banks

MARCH 21, 2024

According to a Wall Street Journal article on March 3 rd , this time has come. DLJ 03/15/24 Dorothy Jaworski has worked at large and small banks for over 30 years; much of that time has been spent in investment portfolio management, risk management, and financial analysis.

Marketing 148

Marketing Policies Report Atlanta 148

Abrigo

APRIL 22, 2024

This article outlines some of the math behind small business lending and its profitability and suggests ways for banks and credit unions to better serve this important market while earning appropriate returns. Louis Fed : [S]mall-business loans—i.e., loans less than $1 million—accounted for 12.6%, 11.1%

Lending 243

Lending St. Louis Community Marketing 243

Jeff For Banks

MAY 20, 2017

Both institutions were over the CRE concentration guidelines, so putting them together would exasperate this risk, so the regulatory thinking must have been. Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. We perform this service for dozens of community banks.

Lending 60

Lending Regulation Community Community Bank 60

Jeff For Banks

AUGUST 1, 2019

Thanks to a Zero Hedge article for these timeframes). Thanks to a CNBC article for these statistics). DJ 07/16/19 Dorothy Jaworski has worked at large and small banks for over 30 years; much of that time has been spent in investment portfolio management, risk management, and financial analysis.

Marketing 60

Marketing US Community Bank Community 60

Independent Banker

JULY 28, 2016

Although they vary by format, the content of the agencies’ guidance includes consistent broad-spectrum elements, which may seem largely theoretical, but their framework can be used effectively to manage regulatory requirements and changes. Just how can your community bank do all of those things? Are we meeting those criteria?

Compliance 70

Compliance Training Community Bank Regulation 70

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.

Community Bank 195

Community Bank Community FDIC Trends 195

South State Correspondent

JUNE 22, 2023

In the last article, we covered the basics of EOS ( HERE ), the Entrepreneurial Operating System, and how some banks use it to improve productivity. EOS is a comprehensive business system that empowers a leadership team to run a more successful bank. This average cost is $338 per meeting for a $ 1B asset-sized community bank.

Tools 195

Tools Meeting Leadership Management 195