South State Correspondent

AUGUST 21, 2022

In this article, we will discuss what community banks should look for in a hedge provider, specifically in a loan-level hedging program. Eliminate Interest Rate Risk: Eliminate margin compression when interest rates rise. We compared and contrasted the two strategies and sized the market for community banks.

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South State Correspondent

JANUARY 10, 2024

This article will discuss how national, regional, and community banks may use loan hedging programs in 2024 to face earnings challenges. We estimate that approximately another 500 use hedging programs that keep the derivative off balance sheet (thus not reportable by FDIC). Hedging Adoption As of Q3/23, there were just over 4.5k

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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. And all release a new episode at least monthly. Takeaway 2 With 2.8

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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. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending. Risk mitigants tend to lag growth, especially fast growth.

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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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Abrigo

NOVEMBER 29, 2021

This article looks at trends in growth and composition as well as legal, regulatory, and competitive pressure on noninterest earnings. million customers over "deceptive" overdraft enrollment practices between 2014 and 2018, Banking Dive noted in a recent article about growth in overdraft fees. Follow ALM Best Practices.

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