Abrigo

SEPTEMBER 22, 2015

Many community banks see this as a welcomed move towards offering smaller institutions some relief from the regulatory pressures of their larger, national counterparts. The article allowed banking executives to weigh in on the subject. Sound is a $500 million institution.

Community Bank 150

Community Bank Community FDIC Survey 150

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

Community Bank Community How To Meeting 150

South State Correspondent

JULY 10, 2023

One possible solution to this dichotomy is for banks to offer interest rate swaps to hedge individual loans. 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.

Community Bank 195

Community Bank Community Tools Management 195

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

Lending Community Bank Community National 195

Abrigo

APRIL 28, 2016

Small Business Administration What creates two out of three net new American jobs; produces close to half of our nation’s goods and services (nonfarm private GDP); and can be found, coast to coast, in every small town, big city and rural enclave? Tune in all week for live-streaming , beginning at 7:30 p.m. Every business starts small.

National 150

National San Jose Los Angeles United States 150

Jeff For Banks

APRIL 4, 2010

Community banks tout themselves as better than national and regional banks because of how close they are to their communities. But this opinion ignores the generations of history many banks across our great land have built. When the bank opened in 1905, Hallstead was already a thriving community.

Community Bank 60

Community Bank Pennsylvania National Community 60

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

CFPB Monitor

JULY 15, 2020

She went on to recognize the “herculean effort” community banks were making to help small businesses and families during the COVID-19 crisis, implying that the agency did not join the OCC in issuing the final rule because she did not want to add regulatory burden to FDIC-supervised banks during this challenging time.

FDIC 78

FDIC Community Bank Community Regulation 78

ABA Community Banking

JULY 25, 2016

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

National 40

National Community Bank Community Management 40

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.

Lending 195

Lending St. Louis Community Survey 195

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

MARCH 17, 2015

According to the latest FDIC Quarterly Banking Profile, community banks continue to thrive and lead the industry. As more banks turn profitable – 90.3 Blog Bank Credit Union' Unfortunately, competing on price alone is not likely to get you far in today’s environment.

How To 150

How To Community Bank Community FDIC 150

Abrigo

JULY 10, 2020

Community banks and credit unions partnered with their communities to help families and businesses through these unprecedented times , causing spikes in consumer fraud that must be faced head on. To zero in on suspicious activity, typologies can be used to more accurately assess behaviors. Member Business Lending.

Fraud 195

Fraud Lending Software Analytics 195

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

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. Accounting and consulting firm The Whitlock Co. of Springfield, Mo., The Whitlock Co.,

Analysis 150

Analysis Lending Community Bank Community 150

Abrigo

AUGUST 5, 2020

is officially in a recession, according to the National Bureau of Economic Research. Now, banks and credit unions must determine how to safely and effectively manage risk in the portfolio while also driving growth at their institution. The national effects remain opaque and will continue to change – do not get complacent.

Management 195

Management Risk Management Trends Industry 195

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).

Management 195

Management Capital US Community Bank 195

Abrigo

JUNE 25, 2015

During leaner years is often when the demand for ag loans increases , as it’s common for those full-time farmers to tap into their community bank to cover operating costs or invest is other lines of the agricultural business. Headquartered in Madison, Wisconsin, the non-traditional bank held more than $1.6

Community Bank 150

Community Bank Sacramento Lending Wisconsin 150

Abrigo

AUGUST 11, 2016

According to the Credit Union National Association (CUNA) , credit unions had a record year in 2015, with 3.7 Creating top-rated apps Banking is becoming increasingly mobile, as checks are now frequently deposited and money can be transferred via the convenience of an application on a smart phone.

Michigan 150

Michigan Milwaukee Indiana Wisconsin 150

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.

Risk Management 150

Risk Management Community Bank Regulation Survey 150

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.

social media 96

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

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.

Resources 68

Resources Compliance Community Bank Community 68

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.

Kansas City 73

Kansas City Kansas Community Bank US 73

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

Survey 150

Survey Community National Community Bank 150

Jeff For Banks

MARCH 3, 2018

Six years ago I asked in a blog post Will Plain Vanilla Kill Community Banking ? In the above blog post, I discussed Apple and Bank of New York Mellon. Leader Bank - A $1.2 billion in assets Massachusetts bank developed Zrent so it's landlord customers could more efficiently collect rent from tenants.

Apple 67

Apple Millennials Massachusetts FDIC 67

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!

Idaho 183

Idaho Community Industry Strategy 183

Abrigo

JULY 23, 2015

According to the Sageworks 2015 Bank and Credit Union Exam Survey , more than 40 percent of the 180 responding institutions had already begun stress testing, and it was recommended to 30 percent that they begin stress testing or expand current stress test practices. Understand your portfolio and its risk factors. Ensure proper data.

Community Bank 150

Community Bank Community Data Resources 150

Abrigo

JULY 15, 2015

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. Credit cards, whether for personal or business use, can add value to businesses because of the rewards they offer.

Management 150

Management Resources Capital Taxes 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.

FDIC 150

FDIC Lending Community Bank Industry 150

Abrigo

MAY 20, 2015

Given that consideration, many of the national and regional institutions are able to invest the funds and resources to keep up with their customers’ tech. For community banks and credit unions, this may be more of a challenge. But not necessarily one that translates to a dissatisfied customer.

Apple 150

Apple Comparison Mobile Innovation 150

Jeff For Banks

DECEMBER 7, 2019

It is the Mountlake Terrace, Washington holding company for 1st Security Bank, a $1.7 billion in assets community bank with 22 branches that encircle the Seattle Sound. It is the $888 million holding company for Plumas Bank. The bank operates thirteen branches, eleven in northern California and two in Nevada.

Indiana 78

Indiana South Dakota Oregon Community Bank 78

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.

Community Bank 195

Community Bank Community Industry Online 195

Abrigo

JULY 30, 2015

What is the impact to the bank? In addition, institutions – especially community banks -- have operational concerns, McNairy added. “Do That is the primary concern for the financial institution,” he said in a recent interview. Will I still be in compliance with capital ratios? Will I still be in compliance with capital ratios?

Data 150

Data Community Bank Capital Compliance 150

Ublocal

APRIL 6, 2023

Local Causes of Food Insecurity in New Hampshire and Vermont Causes of food insecurity in Vermont and New Hampshire both follow national trends, while also having some underlying origins unique to our New England region. Stop by one of our 19 branches to learn more about how you can help fight food insecurity in our communities.

New Hampshire 52

New Hampshire Vermont Community Regional 52

Jeff For Banks

MAY 20, 2017

The Great Recession lasted from the fourth quarter 2007 through the second quarter 2009, according to the National Bureau of Economic Research. For the below chart, I took every bank and savings bank, not federal thrifts because during this time they still filed TFRs versus Call Reports, and therefore their loan categories were different.

Lending 60

Lending Regulation Community Community Bank 60