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

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.

Oklahoma City 150

Oklahoma City FDIC Handbook Oklahoma 150

Abrigo

JANUARY 8, 2016

The GAO acknowledged that community banks, credit unions and their professional industry associations reported increased compliance burdens and reduced activity in specific business activities, such as certain mortgage lending, as a result of Dodd-Frank. “For A lengthy report released recently by the U.S.

Regulation 150

Regulation FDIC Survey Community Bank 150

Abrigo

APRIL 21, 2020

“We don’t have to hold more capital against these loans, which is an interesting way to make the availability of this a little better, but it’s going to cost us some money to put these on the books,” explained Dave Koch, Managing Director of Advisory Services at Abrigo, during a recent podcast. Asset/Liability. Lending & Credit Risk.

Lending 195

Lending Capital Minnesota FDIC 195

Abrigo

DECEMBER 9, 2014

Community banks are expanding their loan portfolios to include more small business loans, according to the most recent Community Bank Performance report by the FDIC. Blog Bank Credit Union' Loans across categories increased, with commercial and industrial loans growing at the fastest rate, roughly 5.3

Training 170

Training Policies Analysis Community Bank 170

CFPB Monitor

AUGUST 20, 2020

This blog post contains a summary of those efforts. FFIEC : On June 5, 2020, the members of the FFIEC (FDIC, OCC, Federal Reserve Board (“FRB”), CFPB, NCUA and the State Liaison Committee) issued an unprecedented statement on the importance of financial inclusion. banking system.

Regulation 78

Regulation FDIC Community Lending 78

Celent Banking

JUNE 22, 2017

A historic look at the number of bank branches by asset tier makes this clear. Source: FDIC, Celent analysis. FMSI, acquired by Kronos in 2016, provides cloud-based workforce management (WFM) solutions to small banks and credit unions. The post Why Branch Building (Sometimes) Makes Sense appeared first on Banking Blog.

Study 125

Study Community Bank Trends Analysis 125

Abrigo

AUGUST 9, 2017

As CEIS Review Managing Director of Special Projects Elizabeth Williams explains: “Stress testing should help management identify pockets of the portfolio that may be vulnerable to changes in short-term interest rates or deteriorating real estate market conditions.

Columbus 150

Columbus Ohio FDIC Strategy 150

Jeff For Banks

DECEMBER 16, 2022

Each employee has an ownership stake in the bank through its Employee Stock Ownership Plan. In 2021, the bank expensed over $530 thousand to the ESOP to benefit employees. Twenty-six percent of the bank is owned by the Board, Executive Management, and the ESOP. I would call that stakeholder alignment. Perhaps diversify?

Puerto Rico 78

Puerto Rico Virgin Islands Community Community Bank 78

Jeff For Banks

MAY 20, 2017

Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending. Maybe sub out an economist or two.

Lending 60

Lending Regulation Community Community Bank 60

Jeff For Banks

SEPTEMBER 10, 2011

This blog has dug deep into the numbers to support the notion that bigger is better. Bank of the Ozarks began in 1903 as a small community bank in Jasper, Arkansas, and by 1937, included an additional bank in Ozark, Arkansas. At the time, the bank had a couple dozen employees and total assets of $28 million.

Arkansas 66

Arkansas South Carolina FDIC North Carolina 66

Jeff For Banks

DECEMBER 26, 2012

Bank of the Ozarks, Inc. In 1979, George Gleason, a 25-year-old attorney, purchased controlling interest and assumed active management of the bank as Chairman of the Board and Chief Executive Officer. At the time, the bank had a couple dozen employees and total assets of $28 million. Well done! #2. Well done! #3.

Texas 79

Texas National FDIC Capital 79

Independent Banker

JANUARY 31, 2023

Illustration by Jozefmicic/Adobe The CFPB recently issued new guidance on overdraft fees that was unanticipated by community banks. Learn what this means for the industry and how community banks can stay in compliance. Sound compliance management requires consistent written disclosures, procedures and actual practices.

Community Bank 91

Community Bank Community Compliance Regulation 91

Abrigo

MARCH 31, 2017

Commercial real estate lending continues to receive regulatory scrutiny and reminders for financial institutions to practice solid risk management. FDIC officials in March outlined several types of weaknesses in loan underwriting, administration and oversight practices that are emerging at some banks with CRE portfolios.

FDIC 186

FDIC Risk Management Analysis Lending 186

Abrigo

SEPTEMBER 14, 2022

What banks need to know as the CFPB gets closer to its final rule Banks, credit unions, and other creditors may be required to collect more data for each application under a new rule. You might also like this webinar: "Fortify Your Loan Policy to Effectively Manage Credit Risk." Credit Risk Management. See the difference.

Lending 195

Lending Data Regulation Community 195

CFPB Monitor

OCTOBER 13, 2020

We recently published a blog about the OCC’s proposed rule “National Banks and Federal Savings Associations as Lenders” (the “Proposed Rule”), which would clarify that a bank (or savings association) is properly regarded as the “true lender” when, as of the date of origination, it is named as the lender in a loan agreement or funds the loan.

Lending 60

Lending Colorado FDIC National 60