Abrigo

APRIL 23, 2015

A new bill proposed on April 16 aims to increase the exam cycle period for a larger pool of community banks. would make more banks eligible for an 18-month exam cycle as opposed to the norm of a 12-month schedule. If implemented, hundreds of additional banks would be eligible for the longer cycle.

Community Bank 150

Community Bank Community Survey FDIC 150

Abrigo

NOVEMBER 3, 2016

Some of the most pressing challenges facing community banks and credit unions in the current banking environment include narrow interest rate margins, increasing pressure from regulators, and competition with “too-big-to-fail” mega-banks.

Community Bank 150

Community Bank Community Lending Risk Management 150

Abrigo

JANUARY 22, 2015

According to a recent survey from four Federal Reserve Banks, small regional and community banks have the highest approval rate for small business loans. The 2014 Small Business Credit Survey was a joint operation conducted by the Federal Reserve Banks of New York, Atlanta, Cleveland and Philadelphia.

Community Bank 150

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Abrigo

OCTOBER 9, 2014

This article is the second in a two-part series on top concerns and growth strategies of community banks. Everyone in the banking industry seems to be asking the same question these days: How can we facilitate growth? To properly asses the credit risk of that entity, the bank must perform a global analysis. Blog Bank'

Community Bank 236

Community Bank Strategy Community Survey 236

Abrigo

MAY 8, 2015

In recent months, the momentum around reducing the regulatory burden on the nation’s community banks has continued to gain steam. There are more than 6,000 banks and thrifts under $10 billion in assets and they are often less equipped to deal with complexities brought by additional regulations.

Community Bank 150

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Abrigo

JANUARY 19, 2015

The Recession and its subsequent rate of bank failures underscore the need for banks of all sizes to invest in developing a capital plan. The Recession taught many institutions that whatever processes had been in place for managing capital were not sufficient. The result was insufficient capital. percent to 5.8

Capital 150

Capital Analysis Policies Examples 150

Jeff For Banks

FEBRUARY 12, 2024

Raised capital in late 2019. Instead of doing what was "easy" and raising capital, $QCRH decided to sell its least profitable charter, Rockford Bank and Trust, to bring in the capital to support its robust growth. 14/25 Capital priorities for banks: 1. I will highlight $QCRH and $CFBK. shareholder value.

Columbus 112

Columbus Indianapolis Capital Community Bank 112

Abrigo

AUGUST 28, 2022

One overall benefit of effective loan pricing is that it is one of the many ways a financial institution can optimize capital. Adams, supervising examiner at the Federal Reserve Bank of Philadelphia, pricing is a key underwriting factor that should be addressed as part of a sound loan policy. Watch the on-demand webinar here.

Software 195

Software Lending Philadelphia Capital 195

South State Correspondent

JANUARY 3, 2023

The lack of relationship between NIM and ROA results from the other factors that are more important to bank profitability, such as loan credit quality, loan size, and relationship value. However, NIM is one of the least important attributes specific to loan performance and the general profitability of the bank.

Community Bank 221

Community Bank Community Data Marketing 221

South State Correspondent

FEBRUARY 28, 2023

Many community banks today are willing to underwrite real estate secured loans on just two metrics: debt-service-coverage ratio (DSCR) and loan-to-appraised value (LTV). Banks typically approve credits above 1.20x DSCR and below 75% LTV – with many loan-specific factors that may skew these acceptable levels.

Lending 195

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Abrigo

DECEMBER 17, 2021

A key reason for the expanded partnership came down to these alignment factors. A key reason for the expanded partnership came down to these alignment factors. “It’s cloud-based, so it’s easy to make changes on the fly,” said Daniel Fowler, a Credit Administrator at Capital City Bank. implementation and support ?teams Learn More.

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PYMNTS

NOVEMBER 25, 2020

“We have a longstanding partnership with CGI, and the CGI Trade360 platform will mean we can continue delivering the best possible trade solutions and service to our clients for many years to come,” said James Binns , global head of trade and working capital at Barclays. The features will be available next year, according to the blog post.

Payments 229

Payments Data Management System 229

Abrigo

MARCH 6, 2015

March comes in like a lion for the nation’s largest banks. Yesterday the Federal Reserve announced how “the big banks” fared on their annual stress tests (The Wall Street Journal’s Briefly blog offers what to know and what is relevant about the exams). ” Blog Bank'

Risk Management 150

Risk Management Capital Community Bank Regulation 150

Abrigo

SEPTEMBER 7, 2023

Having dashboards or banking management reports that show the lending pipeline, pricing trends, emerging risks, workflow bottlenecks, and other factors affecting loan growth can help a bank or credit union stay on top of and adapt quickly to trends. The institution can more easily capitalize on opportunities and avoid unnecessary risk.

Report 195

Report Lending Trends Data 195

Abrigo

FEBRUARY 23, 2016

They are evaluating loan portfolio strategies and stress-testing efforts related to capital requirements, particularly as they try to keep up with the changing regulatory and accounting landscape. They have also provided banks with increased scrutiny of processes and controls by external auditors and examiners.

Community Bank 150

Community Bank Community Capital Strategy 150

Abrigo

OCTOBER 2, 2014

Following the recent financial crisis, the Basel Committee of Banking Supervision (BCBS) set out to “strengthen global capital and liquidity rules with the goal of promoting a more resilient banking sector.” minimum tier 1 capital ratio and a 3.5% Blog Bank Credit Union'

How To 236

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Abrigo

APRIL 21, 2020

PPP loans carry a 0% risk weighting, meaning they don’t count against the institution from a risk-based capital standpoint. Both Domine and another ICBA webinar panelist, Tommy Bates, President and CEO at Legends Bank, both said their respective banks would be making use of the facility. Asset/Liability. SBA Lending. Learn More.

Lending 195

Lending Capital Minnesota FDIC 195

ABA Community Banking

JANUARY 15, 2015

Small bank holding company treatment available to more players. Here’s how to structure it Blogs Community Banking Blog CSuite Community Banking. 1Community Banking Blog'

Capital 40

Capital Community Bank Community How To 40

Abrigo

DECEMBER 2, 2021

Indeed, deposit levels to transaction accounts among community banks exploded 74% to $896.5 31, 2019, and June 3, 2021, according to the Community Banking in the 21st Century report. billion from $515.3 billion between Dec. But this year, only 15% described core deposit growth as a “very important” risk. Asset/Liability.

Conference 195

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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 11, 2021

Measurement plays an important role in ensuring that interest rate risk doesn’t threaten a financial institution’s earnings and capital. 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. Learn More.

How To 195

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Abrigo

NOVEMBER 21, 2014

” Sageworks inquired how the new CECL model will impact community banks, and Sprang cites a few examples of challenges the CECL model could cause: • Community banks must be aware of where they are on the economic cycle. How should community banks prepare for the transition?

Community Bank 223

Community Bank Analysis Community Video 223

Abrigo

JANUARY 15, 2015

With mortgage rates down in the US , many homebuyers are looking locally to their community banks to finance their new, potentially life-changing purchase. In the spirit of the go local movement, new data from Sageworks Bank Information peeked in on 10 cities to see which community banks were making an impact on local mortgage lending.

Cleveland 150

Cleveland Detroit Michigan Community Bank 150

South State Correspondent

JULY 5, 2022

We concluded that obligors showing less than 1.50X DSCR would be most at risk, but the average community bank underwrites to 1.20X DSCR. Many bankers responded that their loan-to-values (LTVs) are low and expect that the secondary source of repayment will protect the bank’s capital.

Management 195

Management Capital US Community Bank 195

ABA Community Banking

APRIL 26, 2015

Handling squeeze between regulators and investors Risk Management Blogs Risk Adjusted HowTo Compliance/Regulatory Community Banking.

Capital 40

Capital Risk Management Community Bank Compliance 40

Abrigo

AUGUST 3, 2015

The ABA’s 2015 Survey of Bank Compliance Officers , conducted February through March 2015, had participation from more than 450 financial institutions, with almost 80 percent being community banks. A recent Forbes commentary, Dodd-Frank, Community Bank Decline, And The Effect On U.S.

Compliance 150

Compliance Community Bank Community Survey 150

Abrigo

SEPTEMBER 2, 2020

Capitalizing on PPP innovations for a better experience. To reduce the need for face-to-face engagement during the initial PPP application window, some community financial institutions leveraged technology that enabled their bank or credit union to develop a “digital branch.” C&I Loans. Lending & Credit Risk. Learn More.

Lending 259

Lending Community San Antonio Survey 259

Abrigo

NOVEMBER 6, 2019

Small Business Loans | 5 minute read Key Takeaways Credit unions' small business loans hit a record low, while small business lending continues to remain strong at big banks and community banks. For big banks and community banks, on the other hand, small business lending remains strong. Learn More.

Lending 150

Lending How To Community Community Bank 150

Abrigo

OCTOBER 6, 2017

On September 27, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency released a Community Bank Summary entitled Proposed Simplification to the Capital Rule Pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996.

Regulation 150

Regulation Risk Management Community Bank Community 150

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

Community Bank 150

Community Bank Handbook Lending Risk Management 150

Abrigo

SEPTEMBER 26, 2014

What’s been mostly out of the mainstream news cycle, though, is the effects of regulation following the financial crisis on the community banks– specifically, credit unions. The regulation currently on the table for Congress is a proposed rule from the National Credit Union Administration (NCUA) on risk-based capital.

Capital 191

Capital National Regulation Risk Management 191

Abrigo

OCTOBER 7, 2014

Among the topics in discussion was the continued upward trend in merger and acquisition (M&A) activity and further consolidation of the bank market as a whole. This one-time adjustment to transition ALLL levels from incurred to expected loss levels will be a capital adjustment, NOT a provision expense.

Trends 230

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ABA Community Banking

OCTOBER 5, 2015

Longtime capital strategy must be weighed in light of all techniques Blogs Community Banking Blog CSuite Community Banking Feature Feature3.

Community Bank 40

Community Bank Community Strategy Capital 40

Abrigo

MARCH 22, 2017

In September 2016, more than 240 bankers and industry experts from both community banks and credit unions attended the Risk Management Summit in Austin, Texas. The Summit is the industry’s leading life-of-loan conference, spanning business development through portfolio risk management in a CECL - current expected credit loss - world.

Risk Management 186

Risk Management Management Denver Conference 186

Jeff For Banks

AUGUST 29, 2012

Many banks had to replenish lost capital. Absent or in concurrence with government-injected capital, FIs sought fresh capital. This was one of the points made by Lisa Schultz of Stifel, Nicolaus, Weisel, an investment banking firm that specializes in FIs, at a recent Pennsylvania bankers conference.

Capital 87

Capital Retail Pennsylvania Community 87

Abrigo

SEPTEMBER 2, 2020

Capitalizing on PPP innovations for a better experience. To reduce the need for face-to-face engagement during the initial PPP application window, some community financial institutions leveraged technology that enabled their bank or credit union to develop a “digital branch.” Asset/Liability. C&I Loans. SBA Lending.

Lending 195

Lending Community San Antonio Survey 195

Abrigo

FEBRUARY 5, 2015

While the report recognizes that customer demands and competition from non-traditional banks will shape banking’s future, the report also recognizes that regulatory expectations and scrutiny will continue to increase, for both traditional community banks and non-bank entities that try to enter banking.

Compliance 150

Compliance Software Community Bank Policies 150