Abrigo

OCTOBER 8, 2014

This article is the first in a two-part series on top concerns and growth strategies of community banks. Risk management. These are all phrases that resonate with community bankers. Data from Bank Director’s 2014 Growth Strategy Survey in August confirms that these are bankers’ greatest concerns.

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Community Bank Community Strategy Risk Management 192

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.

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Community Bank Community Lending Risk Management 150

Abrigo

JUNE 8, 2017

To provide bank management and the board with an objective assessment of credit quality and ongoing portfolio management 3. To serve as a critical component of a comprehensive, enterprise-wide, risk management practice 4. Additional Resources Managing member business lending risk Hiring headache?

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Risk Management Management Policies Lending 150

South State Correspondent

OCTOBER 10, 2022

However, over the years, there has been considerable debate at community banks on how to implement the principles of FTP to various balance sheet accounts like loans and deposits. In a future blog, we will highlight specific examples and considerations for community banks in implementing an effective FTP model.

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Community Bank Community Examples Management 195

Abrigo

FEBRUARY 2, 2015

For most consumers who have a checking account, savings account and maybe a mortgage, the regulations placed on their community bank isn’t given a second thought. Two recent surveys addressing the community banking landscape have pointed to increasing regulations as the primary cause of stress for these institutions.

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Community Bank Community Regulation 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.

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Abrigo

OCTOBER 23, 2014

But how can this growth be managed appropriately? CEIS Review , a New York-based bank consulting firm, highlights the shift in a recent article. Community banks certainly want to remain conservative with risks and follow regulations. Blog Bank Credit Union'

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Risk Management Management Lending Resources 186

Abrigo

JUNE 11, 2021

Measuring Interest Rate Risk Can Vary by Institution Interest rate risk measurement plays a key role in ensuring an institution's safety and soundness. Would you like other articles on asset/liability management in your inbox? FDIC) noted in its 2021 Risk Review. Portfolio Risk & CECL. Credit Risk Management.

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How To Risk Management Analysis Kansas City 195

Abrigo

SEPTEMBER 7, 2023

They can result in sub-optimal lending for community banks and credit unions as well as the communities they serve across the country. This blog post explores examples of five key reports to provide financial institutions with insight into their credit and lending processes and their portfolios.

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Abrigo

DECEMBER 17, 2021

For banks and credit unions, this often means a deep understanding of regulations and compliance and adhering to the institution's risk management standards. Lending & Credit Risk. Portfolio Risk & CECL. Lending & Credit Risk. Credit Risk Management. Lending & Credit Risk.

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Fintech How To Innovation System 195

Abrigo

NOVEMBER 10, 2014

For most community banks, this is difficult to address, especially if regulatory changes continue to increase. However, community banks are well equipped to solve this issue. Many banks are beginning to hire a Chief Risk Officer (CRO) to manage regulatory compliance. Blog Bank Credit Union'

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Risk Management Community Bank Compliance Community 170

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. Learn more about the Sageworks Credit Risk Management Solution.

Community Bank 150

Community Bank Handbook Lending Risk Management 150

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'

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Risk Management Capital Community Bank Regulation 150

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'

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Community Bank Risk Management Community Analysis 150

Abrigo

APRIL 12, 2016

Directors overseeing a bank’s operations are important partners in supervisory efforts, the FDIC noted in the article (“A Community Bank Director’s Guide to Corporate Governance: 21st Century Reflections on the FDIC Pocket Guide for Directors.”). Risk management culture What exactly is a risk management culture?

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Management FDIC Risk Management Community Bank 150

Abrigo

APRIL 19, 2016

In the paper, the OCC defined responsible innovation as: The use of new or improved financial products, services, and processes to meet the evolving needs of consumers, businesses, and communities in a manner that is consistent with sound risk management and is aligned with the bank’s overall business strategy.

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Innovation Fintech Risk Management Community Bank 150

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. Lending & Credit Risk. Portfolio Risk & CECL. Credit Risk Management. Lending & Credit Risk.

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Conference San Antonio Lending Fraud 195

Abrigo

OCTOBER 6, 2017

During a Sageworks webinar on HVCRE risk management Rob Ashbaugh, senior risk management consultant at Sageworks, explained that clarifications on some of the murkier aspects of the HVCRE (high volatility commercial real estate) rule were anticipated by the industry.

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Regulation Risk Management Community Bank Community 150

Abrigo

NOVEMBER 21, 2014

A recent data report culled from Sageworks Bank Information , a web-based data platform that includes financial and regulatory information on every U.S. bank and credit union, named the “ Top 15 community banks by commercial loan growth.” Blog Bank' From that subset of all U.S.

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Lending South Carolina Miami Community Bank 188

Abrigo

SEPTEMBER 2, 2020

While this might have been the first time many community banks and credit unions have seen returns on a digitization investment, these same automation and efficiency gains can be found in other end-to-end lending solutions. Lending & Credit Risk. Credit Risk Management. Lending & Credit Risk.

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Lending Community San Antonio Survey 259

Abrigo

JUNE 28, 2023

Takeaway 3 Recommended reports on AML and fraud metrics for the board include those on high-risk customers and trends on types of fraud and suspicious activity seen. They wear many hats, especially in smaller community banks and credit unions. One essential obligation of BSA Officers is reporting to the board of directors.

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Compliance Fraud Report Trends 195

Abrigo

AUGUST 5, 2020

Therefore, it’s essential that the credit memo captures the complete picture of the borrower to ensure proper risk management. Credit risk management has been a cornerstone of community banking, and it will continue to be a top priority in this unique credit environment. Portfolio Risk & CECL.

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Management Risk Management Trends Industry 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

APRIL 1, 2015

A recent Wall Street Journal article by Victoria McGrane and Jon Hilsenrath highlighted how the nation’s regulators are increasingly questioning and turning their focus toward bank boards. These smaller banks have also seen new, and more frequent, attention from regulators. How complex is the bank’s operating model?

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Risk Management Community Bank Regulation Boston 150

ABA Community Banking

DECEMBER 5, 2014

In business banking, community bankers can’t be replaced by smartphones Lines of Business Risk Management Blogs Talking Credit Credit Risk Community Banking. 1Talking Credit'

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Risk Management Community Bank Community Management 66

Abrigo

MARCH 6, 2017

See a similar list for the accounting profession: 15 Twitter accounts every accountant should follow 5) @rajeshkan – Rajesh Kandaswamy, research director at Gartner Group, focuses on mobile banking, mobile and cloud payments, channel convergence, digital strategy, big data analytics and outsourcing. Learn more here.

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social media Lending Community Community Bank 150

Abrigo

APRIL 15, 2022

So far in this “ Introduction to ALM ” blog series, we’ve looked at the two different measures of interest rate risk: earnings at risk (EAR) or income at risk (IAR) and economic value of equity (EVE) or value at risk (VAR). Liquidity risk managers need to ensure that all assumptions are reasonable and appropriate.

Management 195

Management Meeting Risk Management Operations 195

Abrigo

SEPTEMBER 2, 2020

While this might have been the first time many community banks and credit unions have seen returns on a digitization investment, these same automation and efficiency gains can be found in other end-to-end lending solutions. Lending & Credit Risk. Credit Risk Management. Lending & Credit Risk.

Lending 195

Lending Community San Antonio Survey 195

Abrigo

JULY 28, 2017

In a recent webinar for credit union executives, Danny Sharman a risk management consultant with Sageworks addressed loan data for these institutions, especially as they look toward the currect expected credit loss model (CECL) that will be required for the allowance for loan and lease losses (ALLL).

Data 150

Data Risk Management Community Bank Community 150

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

ABA Community Banking

DECEMBER 18, 2015

It’s not just community banks that are disappearing Management Financial Trends Risk Management Blogs Talking Credit Compliance/Regulatory.

Risk Management 40

Risk Management Community Bank Compliance Community 40

ForwardBanker

DECEMBER 28, 2017

Well, the end of the year is quickly approaching which is a great time to recap another great year for our blog. I just wrapped up my fifth year of being editor of the blog and I am excited about some of the changes we’ve seen this year. We did a reorganization of the existing.

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Meeting Big Data Risk Management Community Bank 33

ABA Community Banking

JULY 10, 2015

What community banks can learn from large-bank risk requirements Risk Management Blogs Risk Adjusted Operational Risk Compliance/Regulatory.

Risk Management 40

Risk Management Community Bank Compliance Community 40

ABA Community Banking

APRIL 26, 2015

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

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Capital Risk Management Community Bank Compliance 40

Abrigo

OCTOBER 20, 2020

When seeking out talent, Akin suggested focusing on change management and hiring people who are open to change, new ideas, and new technology. Community banking is here to stay, but in a way where it’s evolving and becoming more modern, and we need to attract the right talent pool to ensure we’re bridging those gaps.”.

Management 195

Management Lending Community Strategy 195

ABA Community Banking

JANUARY 16, 2015

Musts: Defense in Depth and having more than one plan Risk Management Blogs Beyond the Bank CSuite Operational Risk Community Banking. 1Beyond the Bank'

Risk Management 40

Risk Management Community Bank Community Operations 40

ABA Community Banking

MARCH 7, 2015

There’s more than one way to diversify—choose what makes sense for your bank Business Credit Lines of Business Risk Management Blogs Risk Adjusted Credit Risk Community Banking. 1Risk, Adjusted'

Risk Management 40

Risk Management Community Bank Community Management 40