Abrigo

JULY 20, 2021

From leveraging PPP technology to building relationships, reasons for boosting SBA lending are numerous. . Would you like others articles like this in your inbox? Takeaway 1 SBA lending can expand your product offerings to help win deals with prospects and existing business customers or members. Why SBA Lending?

Lending 195

Lending FDIC Capital Risk Management 195

South State Correspondent

FEBRUARY 8, 2023

The current yield curve presents various challenges for community bankers for revenue generation and risk management. In this article, we will outline the significance of the yield curve shape and what it may portend for community banks. The second is the term premium theory.

Community Bank 195

Community Bank Community Risk Management Strategy 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. First, independence and objectivity are critical. Blog Bank Credit Union'

Risk Management 186

Risk Management Management Lending Resources 186

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).

Report 195

Report Risk Management Capital Data 195

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. For many, commercial real estate lending may be the ticket. This reflects a larger industry trend.

Community Bank 150

Community Bank Handbook Lending Risk Management 150

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

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

MAY 5, 2022

Would you like other articles like this in your inbox? Thankfully for bank and credit union executives, lenders, risk managers, and Bank Secrecy Act (BSA) Officers, banking podcasts and podcasts for credit unions are plentiful, and options are growing. Main Street Banking: A Podcast for Community Bankers 8. BankTalk 3.

Community 195

Community Lending Maine Resources 195

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

Abrigo

JULY 27, 2023

Would you like other articles on fraud and AML/CFT compliance in your inbox? Using regtech in banking With new federal regulatory and compliance challenges like the CFPB rule on the horizon, more and more community financial institutions are exploring regtech in banking and finance. What is regtech?

Technology 195

Technology Fraud Compliance Regulation 195

Abrigo

JULY 27, 2023

Would you like other articles on fraud and AML/CFT compliance in your inbox? Using regtech in banking With new federal regulatory and compliance challenges like the CFPB rule on the horizon, more and more community financial institutions are exploring regtech for banks to enhance their processes. What is regtech?

Technology 195

Technology Fraud Compliance Regulation 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. 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

Abrigo

MARCH 6, 2017

The ABA has a new report out on how banks are using social media, and much of the report focuses on using Twitter, Facebook, LinkedIn and the like to boost customer service, make connections in the community and recruit staff. His recent research reports have covered SMB lending, alternative lenders and automating commercial lending.

social media 150

social media Lending Community Community Bank 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

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.

Lending 243

Lending St. Louis Community Marketing 243

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

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

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. Numerated , a business lending origination platform, partnered with Finastra for a LaserPro integration.

Fintech 103

Fintech Software Illinois Lending 103

Jeff For Banks

MAY 20, 2017

and New York Community Bancorp called off their planned merger. Both institutions were over the CRE concentration guidelines, so putting them together would exasperate this risk, so the regulatory thinking must have been. Risk mitigants tend to lag growth, especially fast growth. Last December, Astoria Financial Corp.

Lending 60

Lending Regulation Community Community Bank 60

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. A low interest rate environment 2.

Oklahoma City 150

Oklahoma City FDIC Handbook Oklahoma 150

Abrigo

JANUARY 11, 2022

Financial institution leaders and management should consider ALM as a process for making institutions more profitable and more effective at managing risk simultaneously. This initial ALM 101 article is intended for the ALM rookie who wants to understand ALM basics: the process and its usefulness. Asset/Liability.

Management 195

Management Meeting Capital Strategy 195

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

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. Dion Kidd Johnson, President, Chief Operating Officer and Chief Risk Officer, Western Bank, Alamogordo, NM.

San Antonio 60

San Antonio Kansas City Groups CA 60

Jeff For Banks

MARCH 29, 2013

Over four years ago I penned an American Banker article encouraging financial institutions to specialize to develop a competitive advantage over large financial institutions that dominate our industry. Many community bankers would roll their eyes at such banks. That is exactly what Salt Lake City''s Optum Bank delivered.

Utah 89

Utah Strategy North Carolina Risk Management 89

FICO

FEBRUARY 21, 2023

There is a myriad of articles and community posts to help consumers understand the impact of taking on new debt, increasing revolving debt load or missing payments. Based on the trends we have reviewed and predictions for 2023, it may be a difficult year for many consumers and institutions.

Trends 52

Trends Industry US Cards 52

Abrigo

DECEMBER 22, 2023

Takeaway 3 Updates on interest rate forecasting and best practices for managing CRE risk were among the most-read blogs. Abrigo's most popular risk management blogs over the last 12 months cover topics that continue to catch the attention of professionals and regulators. Which credit areas need routine "maintenance"?

Risk Management 221

Risk Management Regulation Management Lending 221

Lex Sokolin

DECEMBER 31, 2020

A cute little article about $90MM from order flow. The predecessor article is also pretty good , stating?—?The Decentralized Finance, Blockchain, and CBDCs Why Peer-to-Peer models fail against oligopoly, with Lending Club shutting down p2p platform, Seedrs/Crowdcube merging, and Morgan Stanley buying Eaton Vance for $7B.

Fintech 52

Fintech Bitcoin blockchain Google 52

Lex Sokolin

DECEMBER 31, 2020

A cute little article about $90MM from order flow. The predecessor article is also pretty good , stating?—?The Decentralized Finance, Blockchain, and CBDCs Why Peer-to-Peer models fail against oligopoly, with Lending Club shutting down p2p platform, Seedrs/Crowdcube merging, and Morgan Stanley buying Eaton Vance for $7B.

Fintech 52

Fintech Bitcoin blockchain Google 52

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? Apply real-world examples.

Compliance 70

Compliance Training Community Bank Regulation 70

Abrigo

MAY 8, 2024

Seeing generative AI use cases can help bankers, risk managers, and financial crime professionals better understand it. They can more easily consider how to harness genAI's power to enhance their operations, compliance, risk management, and member or customer experience.

Examples 195

Examples Fraud Resources Risk Management 195

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Financial institutions generate most of their income by lending and investment activities. Community banks target growth. Community banks have seen less volatility in noninterest income over time.

Community Bank 195

Community Bank Community FDIC Trends 195

Abrigo

MARCH 24, 2021

Would you like others articles like this in your inbox? The top banking challenges in 2021 are growing loans and earnings, according to Independent Banker’s recent 2021 Community Bank CEO Outlook survey. Technology sets up future lending success. Here's what they're doing. Pandemic-Induced Transformations.

Lending 221

Lending Technology Survey Examples 221

Celent Banking

JANUARY 23, 2017

As my colleague Dan Latimore wrote in the article that began this series , 2017 was the best ever year so far for Celent Model Bank programme in terms of quantity, quality and diversity of nominations. Lending Product – for the most impressive consumer or business lending or collections initiative.

Risk Management 100

Risk Management Innovation Case Study Boston 100

Gonzobanker

DECEMBER 20, 2019

Mark Turner, Executive Chairman of the Board, WSFS Bank – We have to give the nod to an early 2019 retirement of Turner, who had one hell of a run in 12 years at the helm of a great community and wealth bank. billion of assets under management. It was always clear how much Jones loves his credit union, his team and his community.

Idaho 148

Idaho Conference Data Marketing 148

Gonzobanker

MARCH 21, 2017

The buyer might be an established core player, or it might be a lending competitor of D+H that wants a core anchor. With more than 100 solid community bank installs and a few large credit unions, it would be a shame to have it wither within a global financial corpocracy. Either double down on U.S. Either double down on U.S.

Phoenix 60

Phoenix Lending System US 60