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. in December 2021).

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Management Capital US Community Bank 195

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.

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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.

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Lending Community Bank Community National 195

South State Correspondent

MAY 9, 2022

In our previous article ( HERE ), we reviewed the banking industry’s cost of funding earning assets (COF), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle. That, in turn, reduces deposits at banks by the same amount.

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Community Bank Community Industry Online 195

Abrigo

JULY 15, 2015

One such pain point is the confusion behind identifying ways to effectively grow their business through the management of financial resources. Whether using a national bank, regional bank, community bank or credit union, there are numerous cards that can help your client leverage their credit to create capital.

Management 150

Management Resources Capital Taxes 150

Abrigo

NOVEMBER 21, 2014

Now that banks have filed their third quarter financial reports , what did the lending picture look like last quarter? Nationally, the picture is a fine one. banks is up $157 billion from the same period in 2013. bank and credit union, named the “ Top 15 community banks by commercial loan growth.”

Lending 186

Lending South Carolina Miami Community Bank 186

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

ABA Community Banking

JULY 25, 2016

Newsletter, blog, and print design stand out in b2b competition Management Community Banking.

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National Community Bank Community Management 40

Abrigo

SEPTEMBER 26, 2014

The “big guys” like Citigroup, Bank of America, Wells Fargo and others are required under the Dodd-Frank financial laws to release their findings publicly , as a step to prepare for the Fed’s annual check-up in the spring. Dan Berger, the president and CEO of the National Association of Federal Credit Unions (NAFCU).

Capital 191

Capital National Regulation Risk Management 191

Abrigo

FEBRUARY 25, 2022

The traditional relationship lending approach for business loans – personal attention and local connections – offered by community banks and credit unions provides a competitive advantage in winning small business loans. It is the backbone of what many community financial institutions do, and they do it well. Siems, Jonathan A.

Lending 195

Lending St. Louis Community Survey 195

Abrigo

JUNE 5, 2015

The piece, titled “Why Banks Should Stop Fighting and Learn To Love Regulators,” suggests that while institutions of all sizes are grappling with increased scrutiny and regulation, the reality is that it is here to stay following the financial crisis. The practice of stress testing can also foster a more positive relationship with examiners.

Risk Management 150

Risk Management Community Bank Regulation Survey 150

Abrigo

JULY 16, 2021

Given the AMLA emphasis and the Priorities release, it may be time for community financial institutions to rethink the risks of these more serious crimes and keep criminals at bay. There are many steps community banks and credit unions can take to stop these illicit funds from flowing through our U.S. financial system.

Community 195

Community Regulation Training Policies 195

Abrigo

FEBRUARY 16, 2016

notes that some nonprofits facing tighter funding from federal and state governments are turning to community banks for commercial loans and lines of credit. Failing to hold the nonprofit to proper financial management and reporting standards. Accounting and consulting firm The Whitlock Co. of Springfield, Mo., The Whitlock Co.,

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Analysis Lending Community Bank Community 150

CFPB Monitor

OCTOBER 9, 2018

regulatory agencies—the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the U.S. Nothing in this [Statement] alters a bank’s existing legal and regulatory requirements.” Patriot Act.)

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Resources Compliance Community Bank Community 68

Independent Banker

SEPTEMBER 1, 2016

Independent Banker ® magazine recognizes three community banks who have conducted creative, engaging and impactful social media campaigns. This year’s panel of judges evaluated social media campaigns submitted from several community banks across the country before selecting those that received final recognition.

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social media Community Community Bank Michigan 96

CFPB Monitor

AUGUST 20, 2020

This blog post contains a summary of those efforts. CFPB Director Kathleen Kraninger concurrently issued a related blog post explaining that the Bureau seeks to play a leading role in the national conversation about racial inequality by taking action concerning fair treatment and equitable access to credit. banking system.

Regulation 78

Regulation FDIC Community Lending 78

Gonzobanker

DECEMBER 22, 2020

Banks and credit unions had to fundamentally change their delivery, support and relationship management models at scopes and speeds that were unheard of. And how did community banks and credit unions respond to the COVID craziness? Jill is continually demonstrating just how loud a $300 million community bank can roar!

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Idaho Community Industry Strategy 181

Abrigo

AUGUST 26, 2015

This is the sentiment of several high-profile executives regarding the National Credit Union Administration’s (NCUA) stance on examination cycles for credit unions. The longer interval is on the table for banks as well. “… it’s not 2008.”. This followed further transparency of the NCUA’s budget, which noted $6.39

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Survey Community National Community Bank 150

Abrigo

OCTOBER 23, 2015

Behringer, McGladrey’s national leader for credit risk services. Portfolio stress tests can provide a number of benefits beyond compliance with regulatory expectations, Behringer said recently at the 2015 Risk Management Summit hosted by Sageworks. You don’t get a stress test because your doctor thinks it’s a good idea, right?”

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Capital Analysis Examples Risk Management 150

Jeff For Banks

OCTOBER 9, 2018

That nugget was asked by Mike Higgins , a bank consultant from Kansas City, who penned a guest post on these pages in the past. It's my blog. So I would say: yes, community bank investors reward banks funded with a higher proportion of checking accounts with greater trading multiples. I can do what I want.

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Kansas City Kansas Community Bank US 71

Abrigo

JULY 30, 2015

What is the impact to the bank? In addition, institutions – especially community banks -- have operational concerns, McNairy added. “Do Similarly, McNairy said, banks and credit unions cannot try to retain unjustifiable levels of ALLL in order to reduce future volatility associated with CECL’s implementation. “We

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Data Community Bank Capital Compliance 150

Abrigo

NOVEMBER 24, 2015

Community banks have grown their share of longer-term assets even more quickly than the rest of the industry, according to the FDIC. He called out the federal banking agencies’ most recent Shared National Credits Review , which pointed to high credit risk in large syndicated loans. “It percent during the second quarter.

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FDIC Lending Community Bank Industry 150

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.

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Texas National FDIC Capital 79

Jeff For Banks

MAY 20, 2017

And success is the great mollifier to risk managers that wish to take away the punch bowl when the party's rockin'. The Great Recession lasted from the fourth quarter 2007 through the second quarter 2009, according to the National Bureau of Economic Research. We perform this service for dozens of community banks.

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Lending Regulation Community Community Bank 60

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

Jeff For Banks

DECEMBER 22, 2013

Bank of the Ozarks, Inc. #3. Access National Corporation #4. Especially if I believe community banks must increasingly be known for some niche to differentiate. I first became aware of Marlin at the Utah Bankers Association Executive Development Program, where a Marlin Business Bank officer was attending.

Community Bank 86

Community Bank Atlanta Community Strategy 86

Jeff For Banks

DECEMBER 12, 2016

A summary of the banks, their stories, and links to their website are below. #1. Independent Bank Corporation (Nasdaq: IBCP) Independent Bank dates back to 1864 as the First National Bank of Iona. Are you noticing themes that led to these banks' performance? It's size today, at $2.5 That's motivation!

North Dakota 60

North Dakota Minnesota West Virginia Arizona 60

Jeff For Banks

DECEMBER 12, 2017

(Nasdaq: OSBC) Old Second is a single-bank holding company headquartered in Aurora, Illinois. The Bank, Old Second National Bank, lost a whopping $156 million in 2009 and 2010. Today, NPL/total loans is a manageable 0.94%, and the Bank ROA/ROE year-to-date is 1.22% and 11.61% respectively.

Minnesota 60

Minnesota West Virginia Virginia Iowa 60

Jeff For Banks

DECEMBER 19, 2015

A summary of the banks, their stories, and links to their website are below. #1. Independent Bank Corporation (Nasdaq: IBCP) Independent Bank dates back to 1864 as the First National Bank of Iona. The bank was hammered with credit problems during the financial crisis, as Michigan's economy was hit pretty hard.

North Dakota 60

North Dakota Arizona Michigan Florida 60

Jeff For Banks

DECEMBER 18, 2014

through its subsidiary BNC National Bank, offers community banking and wealth management services in Arizona, Minnesota, and North Dakota from 14 locations. It also conducts mortgage banking from 12 offices in Illinois, Kansas, Nebraska, Missouri, Minnesota, Arizona, and North Dakota. Well done! #3.

North Dakota 91

North Dakota Arizona Minnesota Los Angeles 91

Abrigo

JULY 23, 2021

It is a concept that we have all heard of, however, the concept remains somewhat of a mystery in the community bank world. The North Korean government has been also found to have used chemical weapons against its own nationals. In early 2019 Syria used chlorine gas against its own nationals. Continuing education.

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National Training United States Regulation 195