South State Correspondent

NOVEMBER 29, 2023

One of the lessons that was driven home at the recent American Banker Small Business Banking Conference in Nashville was the difference in marketing between large national banks and community banks, particularly deposit marketing. ” This article explores the recency trap and discusses how to prevent it.

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Abrigo

JUNE 2, 2015

Overall auto lending at credit unions is up more than 30 percent in recent years, a positive sign that CUs remain competitive in an evolving banking landscape. In a recent article from Credit Union Times , 71 million consumers had an auto loan in the first quarter of 2015, the most since the recession and an increase of 1.2

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South State Correspondent

JANUARY 25, 2024

This strategy is used for various reasons discussed further in this article. Forward Rate Lock Tools National lenders have been using locks for decades, and these instruments can take many forms. As we have discussed before ( HERE ), one common lending mistake is for lenders to hold a rate constant during underwriting.

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South State Correspondent

JANUARY 20, 2023

In this article, we provide a loan pricing update and highlight some critical areas where banks can improve. What ends up happening is that banks lose more of the higher quality credits to regional and national banks and then get adversely selected for the riskier credits. The result is a credit-skewed portfolio to the negative.

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South State Correspondent

JULY 10, 2023

This article will review domestic banks’ adoption of interest rate swaps. Next week’s article will consider the challenges and possible solutions for community banks to adopt loan hedging programs. A recent paper analyzed domestic banks’ use of interest rate swaps, and we will summarize their findings in this article.

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South State Correspondent

JUNE 21, 2022

This decision coincided with rate hikes by the Swiss National Bank, its first since 2007, the Bank of England, and the European Central Bank announced at an emergency meeting that they would raise interest rates next month and again in September. What worked effortlessly for the last 14 years may not work for the next business cycle.

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Jeff For Banks

NOVEMBER 24, 2019

The bank, First National Bank of Keystone, was $1.1 And so went the birth of First National Bank of Keystone's meteoric rise. Nationwide lending! Keystone expanded its lending to include high loan-to-value mortgages and home equity loans. The town, already depressed from coal's decline, had a population of 600.

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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.

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FICO

MAY 10, 2018

You can read the full article here. . Alliant Credit Union , one of the largest credit unions in the United States, has transformed its consumer lending business and is exceeding its lending goals since implementing FICO technology solutions in 2016. You can also read our media release here.

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CFPB Monitor

JULY 1, 2015

A recent American Banker article written by officials of three community groups urges President Obama to publicly denounce Director Cordray for failing to issue regulations implementing the small business lending data requirements of Dodd-Frank Section 1071. Large banks in particular have a lot of room for improvement.”

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Abrigo

JULY 1, 2022

Would you like others articles like this in your inbox? Human trafficking has long been a global concern and has officially become one of the eight national anti-money laundering and counter-terrorism priorities for the United States. The United Nations reports that there are approximately 40.3

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South State Correspondent

AUGUST 21, 2023

Community bankers often lament the COF advantage at national banks – but the numbers do not support this view. We recently published an article concluding that the average community bank’s cost of capital is 12.5% ( here ). There are significant rollover risks for CRE loans maturing in the next 18 to 24 months.

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PYMNTS

AUGUST 30, 2019

Ten banks will be consolidated, Finance Minister Nirmala Sitharaman told the outlet – including the country’s second-largest state lender, Punjab National Bank. Bad loans and governance concerns have hampered growth in recent years, the article said. Bad debts and scandals have curtailed lending and dissolved confidence. “It

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CFPB Monitor

AUGUST 31, 2015

84 House members recently wrote to the CFPB to urge it to expedite rulemaking to implement the small business lending data requirements of Dodd-Frank Section 1071. They assert that “[t]ransparency in small business lending data is the key to understanding the credit needs of women-owned and minority-owned small businesses.

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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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The Financial Brand

FEBRUARY 8, 2023

This article NCUA Chief Targets Rate & Liquidity Risks as Credit Unions Reframe Competitive Strategies appeared first on The Financial Brand. The National Credit Union Administration chairman discusses new regulations, worrisome lending trends, fintechs and more in a wide-ranging interview.

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Abrigo

MAY 5, 2022

Would you like other articles like this in your inbox? Sometimes 20 minutes, sometimes 50 minutes, this podcast digs into such topics as creating branch experiences that go hand-in-hand with digital ones, identifying risk, and consumer lending. Lending & Credit Risk. Lending & Credit Risk. 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. They need a marketing person to title their reports.

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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. For more on how to overcome challenges within member business lending, access this complimentary whitepaper: Mitigating Top Member Business Lending Risks.

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South State Correspondent

JANUARY 22, 2023

In a previous article ( here ), we discussed why commercial loan prepayment protection would be a critical return on asset (ROA) driver for community banks in 2023. In this article, we will quantify the value of a prepayment provision and compare the value of a step-down to a symmetrical break-even provision.

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South State Correspondent

SEPTEMBER 20, 2023

In this article, we discuss cash management profitability and rank the most profitable industries for banks to go after. National and regional banks control 70% of the cash management market, yet most cash management customers choose their bank because of service.

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CFPB Monitor

MARCH 20, 2017

Alan has now written an article published in BankThink, American Banker’s “platform for informed opinion about the ideas, trends and events reshaping financial services,” that urges the OCC to issue a rule to address Madden. As Alan demonstrates in his article, there is clear OCC and U.S.

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CFPB Monitor

JULY 22, 2020

Less than two months after issuing its final “ Madden fix” rule , the OCC has now issued a proposed rule to address when a national bank or federal savings association should be considered the “true lender” in the context of a third party relationship. 2) Funds the loan.

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South State Correspondent

JANUARY 16, 2024

We published various articles comparing community bank alternatives to LIBOR (such as SOFR, Ameribor, Fed Funds, and Prime). We believe that our program offers an advantage against the national banks. There will likely be other banks that adopted BSBY that will take similar charges.

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PYMNTS

OCTOBER 9, 2018

.” “There is no doubt that the lease accounting standards will add new complexities to a broad range of business functions, including sales, lending, contracting and financial reporting,” wrote Whitney Schiffer, CPA, in an article last week for accounting and advisory firm Berkowitz Pollack Brant.

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South State Correspondent

APRIL 10, 2023

This article explores the risk and what to do about it. In secondary and tertiary markets, it is only smaller financial institutions lending. The writing was on the wall in late 2007; however, many community banks continued to lend at a rapid pace through 2008, not knowing they were headed full steam into a recession.

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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. Meet Competitive Pressures: National and larger regional banks are specifically targeting better borrowers for seven, ten, or 20-year fixed-rate loans. How Your Hedge Provider Can Be Relational .

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CFPB Monitor

MARCH 29, 2021

The CFPB has filed a motion to dismiss the federal district court lawsuit brought by the National Association for Latino Community Asset Builders (NALCAB). As a result, it may well fall upon the CFSA to carry the water for the small-dollar lending industry in defending against the existential threat posed by the 2017 Rule.

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Abrigo

NOVEMBER 29, 2021

Financial institutions generate most of their income by lending and investment activities. This article looks at trends in growth and composition as well as legal, regulatory, and competitive pressure on noninterest earnings. To remain competitive, some of the nations’ largest banks have introduced new products.

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South State Correspondent

MAY 1, 2024

This article highlights Gentle Monster’s five-step process that might change how you look at the future. How Banks Can Leverage: Niche markets abound in banking, and community banks are in the perfect position to create a following on a national level should they desire. If you win, you get your pastry for free.

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South State Correspondent

MAY 9, 2023

Over the last ten years, banks have reduced the differences in deposit rates between different areas, and now with the rise of technology and more national bank platforms, we see less and less geographical sensitivity to rates. The problem is – most core systems do not lend themselves to inspecting a time series of data.

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Gonzobanker

JULY 9, 2021

As fintech startups, challengers, and even mature fintech providers laser in on evermore specific pain points, investors pour funds into the payments, lending, data, and other approaches to pain relief. While the company initially focused on mortgage lending, the delivery ambition here is way beyond mortgage and point-of-sale.

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Abrigo

JUNE 15, 2023

Protect the financial institution from money laundering through real estate FinCrime professionals should be able to detect when real estate is being used for money laundering, especially given heightened Russian sanctions Would you like other articles like this in your inbox? national security and the integrity of the U.S.

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Abrigo

MARCH 17, 2015

percent achieved that threshold in the fourth quarter of 2014 – they aren’t just competing with large, national banks; their community bank counterparts also account for much of their competition. A recent article by Randy Wardwell on BAI Banking Strategies highlighted eight tips for building winning relationships with your borrowers.

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Independent Banker

FEBRUARY 24, 2016

Georgia bank propels major growth through niche SBA lending. When Richard Bradshaw became president of specialized lending three years ago at United Community Bank in Blairsville, Ga., the bank’s three-person Small Business Administration department was lending about $10 million a year. By Howard Schneider. Marketing tools.

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CFPB Monitor

JANUARY 9, 2019

federal district court in October 2018 by the Conference of State Bank Supervisors (CSBS) to stop the OCC from issuing special purpose national bank (SPNB) charters to fintech companies. That lawsuit was dismissed for failing to establish an injury in fact necessary for Article III standing and for lacking ripeness for judicial review.

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South State Correspondent

JUNE 13, 2022

In this article, we explore why and how banks are starting to incorporate the “velocity of risk” into their risk management practices. For some banks, the amount of gas station and convenience store loans is about equal to loans to US businesses that are owned by foreign nationals. Optimizing Risk.

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