Abrigo

JANUARY 29, 2020

Key Takeaways The FDIC issued an advisory to FIs encouraging safe and sound lending practices in today's ag lending environment. FDIC) issued an advisory to financial institutions encouraging exceptionally safe and sound lending practices in agricultural lending. On January 28, the Federal Deposit Insurance Corp.

Lending 195

Lending How To FDIC Survey 195

Abrigo

MARCH 31, 2017

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. Eberley, director of the FDIC's Division of Risk Management Supervision wrote in the publication.

FDIC 186

FDIC Risk Management Analysis Lending 186

PYMNTS

DECEMBER 16, 2018

That marketing material was removed from the page over the weekend, as were tweets promoting it at the launch — the FinTech is now calling the offering a cash management service, reported Bloomberg. The executives told Bloomberg they are working with regulators and are in the process of overhauling the marketing material related to it.

FDIC 191

FDIC Fintech Regulation Report 191

Abrigo

JUNE 11, 2021

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. FDIC) noted in its 2021 Risk Review. ALM models typically use two types of measuring sticks for interest rate risks at a financial institution.

How To 195

How To Risk Management Analysis Kansas City 195

Abrigo

SEPTEMBER 16, 2019

Bankers’ attitudes reflect conditions in capital markets and conditions in the economy, primarily the local economy served by each bank,” Dunkelberg and Scott wrote. These insights have the potential to inform the market and policy makers on the overall health of the economy, opportunities, and risk.”. Asset/Liability. Credit Risk.

Community Bank 150

Community Bank Community Policies Survey 150

Long Lasting Ideas

AUGUST 15, 2018

A couple of years back in this blog, we noted with more than a dash of skepticism that the FDIC was trying to make it easier for new banks to test the financial waters. at Bank Marketing Strategy + Ideas. Continue reading Anyone interested in a de novo bank?

FDIC 51

FDIC Marketing Strategies Strategy Marketing 51

Abrigo

DECEMBER 13, 2019

After pricing the loan to be competitive in the market, assigning credit risk value, and adding up annual service fees, the ROE falls short of the 10% goal at 4.85% and the ROA is just shy of the 1% target at 0.97%. To determine if your institution’s strategy is working, ask the following questions: What is my market share trend?

How To 195

How To Lending Strategy Regulation 195

Ublocal

FEBRUARY 7, 2024

To kick things off, we’re sharing a series of blog posts to help you understand why investing is so important. ’ Among the many ways to invest, the stock market is like a fertile field for your money, providing a chance to significantly increase your wealth over time.

New Hampshire 98

New Hampshire Vermont Strategy Marketing 98

Abrigo

OCTOBER 28, 2022

Overall, FDIC-insured commercial banks and savings institutions aren’t seeing dramatic increases in net charge-offs ( Chart 1 ) or rates related to declining asset quality ( Chart 2 ), such as past-due rates and rates for non-current loans. The TDR designation prompted a requirement for separate accounting using discounted cash flow models.

Management 195

Management Risk Management Policies Lending 195

Abrigo

AUGUST 6, 2021

according to FFIEC and FDIC data. Acquisitions allow organizations to spread costs across a larger asset base, recognize synergies within business lines, reduce staff, and consolidate branches in overlapping markets. Even though community banks make up a small share of total assets and deposits, 13.5% Background on Community Banking.

Community Bank 195

Community Bank Community Kansas City Lending 195

Jeff For Banks

MAY 21, 2023

Chapter 10: The Hot Rate Stalemate, where I wrote "paying 1/3 the market rate on a customer's savings, and then bragging about it in your investor presentations, can't be a way to strengthen relationships and increase the amount of business you do with them." Say you have $500 million in a money market product. 01% on my money market.

FDIC 78

FDIC Strategy Marketing Branding 78

CFPB Monitor

DECEMBER 3, 2015

A blog post about payday lending, “Reframing the Debate about Payday Lending,” posted on the New York Fed’s website takes issue with several “elements of the payday lending critique” and argues that more research is needed before “wholesale reforms” are implemented. Mann, Donald P.

Lending 60

Lending Study New York Kansas 60

William Mills

SEPTEMBER 9, 2016

William Mills Agency will be live blogging at Finovate Fall 2016. Targeted at Marketing, execs, lines of business owners, etc. 2015 formed aspire to address inefficiencies in alternative lending market. 09:43 am iBank Marketing – [link]. If you missed any presentations, catch up on our blog from Day 1 here.

social media 40

social media ATM Mobile Customer Experience 40

Abrigo

DECEMBER 23, 2014

Banks and credit unions continued loan growth after the lows of the economic downtown, as recently highlighted by the FDIC and OCC. The merger and acquisition market continued its upward trend, and the number of failed institutions decreased. Blog Bank Credit Union' What topics should be at the top of this list in 2015?

FDIC 171

FDIC Trends Video How To 171

Abrigo

DECEMBER 19, 2019

Looking to mergers and acquisitions, institutions can expand into new areas of business or geographic markets. In 2008, there were 7,061 FDIC-insured commercial banks in the U.S. Key Takeaways To book loans more quickly, institutions must create efficiencies and increase loan turnaround. Attain growth through M&A, new partners.

Lending 195

Lending Fraud Community FDIC 195

Cisco

JULY 12, 2022

a few agencies include the Federal Reserve (FRB), the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA), the Office of the Comptroller (OCC), and the Consumer Financial Protection Bureau (CFPB). In the U.S. IT Governance in Financial Services. Common Risk Management Topics: Architecture, Data, IT.

Regulation 71

Regulation FDIC System Software 71

South State Correspondent

JANUARY 30, 2023

Raising deposits with rate can have disastrous effects as it cannibalizes other depositors while training customers and staff that marketing on rate is acceptable. Banking history is littered with examples where high market rates were used to gather rate-sensitive customers, and volume increased.

Resources 195

Resources Training FDIC Strategy 195

Abrigo

JULY 20, 2021

B y marketing that your financial institution offers SBA loan origination, you provide additional products that expand opportunities to businesses. In the secondary market, guaranteed loans are liquid and command a premium. Offering SBA lending at the institution is a good way to “get in the door” with good credits. Watch Webinar.

Lending 195

Lending FDIC Capital Risk Management 195

Abrigo

JULY 20, 2021

B y marketing that your financial institution offers SBA loans, you provide additional products that expand opportunities to businesses. In the secondary market, guaranteed loans are liquid and command a premium. Offering SBA lending at the institution is a good way to “get in the door” with good credits. Check out these resources.

Lending 195

Lending FDIC Capital Risk Management 195

Abrigo

APRIL 21, 2020

The PPPLF are non-recourse loans, and the Fed, the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC) have agreed that these loans will not increase the regulatory capital requirements for financial institutions leveraging these loans. Asset/Liability. Lending & Credit Risk. SBA Lending.

Lending 195

Lending Capital Minnesota FDIC 195

Jeff For Banks

DECEMBER 10, 2023

Although one might argue that First Citizens BancShares of Raleigh is a SIFI as it climbed to the 19th largest in the country with its Silicon Valley Bridge Bank acquisition from the FDIC, and that the FDIC designated SVB as systemically important. Jeff Note: I make no investment recommendations in this article or this blog.

Fresno 101

Fresno North Carolina Raleigh FDIC 101

Abrigo

FEBRUARY 16, 2015

Over the course of the last five years, the researchers noted that community banks'' market share (by assets) fell 12 percent, as well as lost momentum in market share in several lending categories. Blog Bank Credit Union'

Community Bank 150

Community Bank Community Regulation Lending 150

Abrigo

AUGUST 9, 2017

Avert Risk The OCC’s October 2012 Supervisory Guidance notes that financial institutions that perform stress testing “have the ability to minimize the impact of negative market developments more effectively” than those that do not have a stress testing process in place.

Columbus 150

Columbus Ohio FDIC Strategy 150

Independent Banker

NOVEMBER 21, 2021

includes (from left): Christina Johantgen (head of marketing and creative), Joe York (head of product), Kelsey Cahill (summer associate), Jackie Charron (chief operating officer and executive vice president), Debbie Morin (chief financial officer), and CEO Charley Cummings. The team at Walden Mutual, a planned de novo in Concord, N.H.,

Community 170

Community New Hampshire New York Millennials 170

CFPB Monitor

OCTOBER 18, 2022

He noted that the FDIC and Federal Reserve have adopted a similar approach, helping to maintain a level playing field across the banking system. Recent FDIC and CFPB issuances included warnings about crypto companies’ misleading advertising practices, as discussed in our recent blog post and podcast.

Regulation 78

Regulation FDIC DC System 78

Abrigo

JANUARY 22, 2015

These higher-than-average approval rates can be correlated to community banks’ credit portfolio expansion to include more small business loans, as was noted in the FDIC’s most recent Community Bank Performance report. Blog Bank Credit Union'

Community Bank 150

Community Bank Community Regional Cleveland 150

CFPB Monitor

AUGUST 24, 2020

We have previously blogged about the lawsuits filed by the Colorado Attorney General against fintechs Avant and Marlette Funding and their partner banks WebBank and Cross River Bank. Supreme Court, a Colorado appellate court (after any chance for appeal has run) or the FDIC adopts a “true lender” test that differs from the safe harbor).

Colorado 78

Colorado Fintech Lending Online 78

CFPB Monitor

JULY 7, 2022

The white paper concludes as follows: The CFPB’s action has tremendous implications for consumers, banks, and for financial markets at large. A member of Congress can request a GAO opinion on whether the CFPB’s actions are a rule, which can trigger CRA review.

Groups 145

Groups West Virginia Policies Virginia 145

Jeff For Banks

OCTOBER 7, 2021

I recently spoke at the DCI Annual Users Conference and the ABA Bank Marketing Conference about, among other things, how bankers can get off the the "hot rate" kick. But they may not be in their operating account or some special purpose savings accounts where they want the FDIC insurance and efficient transaction processing.

How To 78

How To Conference Branding FDIC 78

Ublocal

OCTOBER 2, 2023

Bear Market A bear market is when stock prices are falling, and people are worried they’ll keep falling. Imagine a bear swiping down with its paw; that’s what the market is doing. Bull Market A bull market is the opposite of a bear market. It’s like the price tag for the whole company.

Taxes 98

Taxes Capital New Hampshire Marketing 98

Celent Banking

JUNE 22, 2017

A more surgical analysis considering market-specific shopping trends tells a different story – and justifies the build. Source: FDIC, Celent analysis. The post Why Branch Building (Sometimes) Makes Sense appeared first on Banking Blog. A historic look at the number of bank branches by asset tier makes this clear.

Study 125

Study Community Bank Trends Analysis 125

Abrigo

AUGUST 3, 2015

The survey also found compliance burdens were limiting new product launches, new channel openings and/or new market entrance at more than 45 percent of responding banks. The benefit of community banks has always been a more customer-focused and community-based approach – they understand and trust the markets they serve.

Compliance 150

Compliance Community Bank Community Survey 150

FICO

JANUARY 6, 2020

Much of the focus on the FICO Blog was on ways to increase profitability by reaching customers with better offers, loans tailored to their needs or indeed customers who were deemed too risky. Here are the 5 customer development posts from 2019 with the most views on the FICO Blog. Payday Lenders Will Face More Robust Competition. “We

Data 52

Data Analytics Lending Trends 52

Ublocal

FEBRUARY 27, 2024

By matching specific investment strategies with your unique level of risk tolerance, tax considerations, and legacy goals, investment management can ensure that your estate not only withstands market fluctuations but also effectively fulfills your plans for how to distribute your wealth to your heirs and philanthropic causes.

Management 98

Management Taxes Strategy New Hampshire 98

Jeff For Banks

APRIL 29, 2021

Annually I would review my most read blog posts for the past year and all time. Since the book includes blog posts in their original form, I had to ensure every graphic was royalty free or I had to substitute with royalty free graphics. Marketing I'm now in the book marketing business. write a book! Some made sense to me.

Conference 78

Conference social media Capital Marketing 78

TrustBank

JUNE 10, 2020

In that case the bank can take those excess deposits and invest in marketable securities or just hold it at the Federal Reserve earning a nominal interest rate. The volatility in the equity markets and drop in interest rates for bonds and money market funds have pushed savers and investors to banks. Why such an increase?

Washington 59

Washington Lending Security FDIC 59

CFPB Monitor

JULY 6, 2022

In addition, in a blog post published last month, Director Chopra indicated that the CFPB was looking at using its authority to issue rules regarding the registration of nonbanks, the CARD Act (Regulation Z) rules establishing safe harbors for credit card late charges, and the Regulation Z qualified mortgage rules.

Lending 78

Lending Regulation FDIC Data 78