California Community FDIC Risk Management 
Independent Banker
DECEMBER 31, 2022
Community banks must continue to stay focused on regulatory discussions and remain nimble to respond to proposals and address requirements quickly and accurately. The FDIC’s long-term goal for the reserve ratio of insured deposits. Source: FDIC. Evolving risks. Climate-related risk. Projected changes. Quick Stat.
Abrigo
SEPTEMBER 5, 2023
Path to removal – Sometimes an exception is like the Hotel California – you can check out anytime you like, but you can never leave. This is particularly true of credit exceptions related to account management (e.g., As the FDIC said recently: Exceptions to policy should be few in number and properly justified, approved, and tracked.
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Independent Banker
FEBRUARY 24, 2016
Regulators warn once again about rising CRE concentrations and risks. Just about every community bank makes commercial real estate loans. A whopping 95 percent of ICBA members are active commercial real estate (CRE) lenders, according to the latest ICBA Community Bank Lending Survey. Smart for California.
Abrigo
SEPTEMBER 14, 2022
2) To enable communities, governmental entities, and creditors to identify business and community development needs and opportunities of women-owned, minority-owned, and small businesses. In fact, it took a lawsuit initiated by a California community group in 2019 to get things moving. California Reinvestment Coalition v.
Independent Banker
JUNE 30, 2022
Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. But as they always do, they came through for individuals and businesses in their communities with a combination of personalized service and prudent risk management practices. Photo by Linkes Photography.
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