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

JANUARY 30, 2023

Rising funding costs and decreasing liquidity at community banks are causing managers to change pricing methodology for new credits. We estimate that 25% to 50% of community banks have a policy requiring minimum yield or credit spreads for new commercial loans.

Community Bank 195

Community Bank Community Strategy Management 195

Abrigo

SEPTEMBER 7, 2023

Takeaway 3 Consider five examples of lender dashboards to improve workflow efficiency and monitor credit risks. Banking intellligence Accessing lending/credit data for insights In the world of lending, where fortune favors the informed, one of a financial institution’s most crucial assets is the data at its disposal.

Report 195

Report Lending Trends Data 195

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.

Community Bank 150

Community Bank Risk Management Community Analysis 150

South State Correspondent

JANUARY 4, 2023

The irony here is that more than half the banks we recently surveyed had some goal and metric around asset growth. While there is nothing wrong with growth, the problem is that most banks are not prepared to grow. That said, smart banks will make growth a byproduct and ensure they have all their other processes right.

Community Bank 195

Community Bank Capital Training Lending 195

Independent Banker

APRIL 30, 2022

During the pandemic, many community banks needed to change how they operated. For this and other reasons, now is a good time to review and refresh articles, bylaws and committee charters to ensure resilience and bolster risk management. But if they see it as a risk management tool, it’s a game changer.

Oregon 91

Oregon Community Bank Community Meeting 91

South State Correspondent

MAY 3, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. Banks can then measure the economic value obtained from each action taken separately.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. Banks can then measure the economic value obtained from each action taken separately.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. Banks can then measure the economic value obtained from each action taken separately.

Lending 195

Lending Capital Management Tools 195

Abrigo

FEBRUARY 27, 2020

At most banks and credit unions, for example, staff re-enter the same data point between 1 and 5 times. They are routinely experiencing processes that add costs, delay turnaround times, and can lead to inconsistency in pricing and risk management.

Lending 243

Lending Survey Data System 243

Independent Banker

SEPTEMBER 25, 2014

This is particularly true for community banks preparing to undergo their next regulatory safety and soundness or compliance examination. Regulators and industry consultants agree that community banks are generally doing a great job handling their regulatory oversight and requirements.

Compliance 101

Compliance Regulation Community Bank Community 101

Abrigo

AUGUST 5, 2020

Therefore, it’s essential that the credit memo captures the complete picture of the borrower to ensure proper risk management. Citing examples of character is one of Ware’s top suggestions for improving loan grading recessions, saying he’d “bet on character any day.” Portfolio Risk & CECL. Portfolio Risk & CECL.

Management 195

Management Risk Management Trends Industry 195

Abrigo

OCTOBER 23, 2015

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. Stress testing can help identify the risks related to a changing environment.

Capital 150

Capital Analysis Examples Risk Management 150

Abrigo

SEPTEMBER 2, 2020

Capitalizing on PPP innovations for a better experience. To reduce the need for face-to-face engagement during the initial PPP application window, some community financial institutions leveraged technology that enabled their bank or credit union to develop a “digital branch.” Lending & Credit Risk. SBA Lending.

Lending 259

Lending Community San Antonio Survey 259

Abrigo

AUGUST 9, 2017

According to the OCC, institutions that have incorporated stress testing into their planning typically demonstrate an ability to withstand negative market developments more effectively than other financial institutions as a result of these beneficial risk management practices.

Columbus 150

Columbus Ohio FDIC Strategy 150

Abrigo

SEPTEMBER 2, 2020

Capitalizing on PPP innovations for a better experience. To reduce the need for face-to-face engagement during the initial PPP application window, some community financial institutions leveraged technology that enabled their bank or credit union to develop a “digital branch.” Lending & Credit Risk. SBA Lending.

Lending 195

Lending Community San Antonio Survey 195

Jeff For Banks

DECEMBER 9, 2020

Start integrating the financial risks from climate change into governance frameworks, risk management processes, and business strategies. In its letter , acting Comptroller of the Currency Brian Brooks said "Fair access to financial services, credit, and capital are essential to our economy. It's a glimpse into tyranny.

Lending 78

Lending Regulation Community National 78

Independent Banker

AUGUST 26, 2015

At some community banks, budgeting for technology has become a more important focus over the past several years. If the project is something that can make a bank more profitable in the short term or long term, the bank should make the purchase, whether it was budgeted for or not. State Bank and Trust Co.

Community Bank 70

Community Bank Community Management Maryland 70

Abrigo

AUGUST 1, 2016

Banks are critical financing partners for growing enterprises. Eight in 10 business owners report that a major, regional or community bank is their main financing partner for capital. After all, most of the nearly 29 million businesses in the U.S. are small businesses – a trend unlikely to shift much in the coming years.

Millennials 150

Millennials Survey Risk Management Groups 150

Jeff For Banks

OCTOBER 29, 2016

Idea : Create measurable incentives to support centers to provide more efficient support to profit centers and for risk mitigation. For example, deposit operations' expense as a percent of deposits should decline as the bank grows. We under-invest in the people that can build our bank. We should start with ourselves.

Training 60

Training FDIC Community Resources 60

Independent Banker

DECEMBER 13, 2015

Even if you’re not required to use either version of the Cybersecurity Assessment, beta users say it can help your community bank gauge its cybersecurity risks and ultimately guard against cybercrime. At the Bank of Luxemburg, a $290 million-asset community bank in Luxemburg, Wis., Real-world testing. “I

Tools 70

Tools Community Community Bank Security 70

Independent Banker

NOVEMBER 24, 2015

Even if you’re not required to use either version of the Cybersecurity Assessment, beta users say it can help your community bank gauge its cybersecurity risks and ultimately guard against cybercrime. At the Bank of Luxemburg, a $290 million-asset community bank in Luxemburg, Wis., Real-world testing. “I

Tools 70

Tools Community Community Bank Security 70

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 181

Idaho Community Industry Strategy 181

CB Insights

FEBRUARY 20, 2020

Two of the most recent unicorns are vertical payments processor Flywire , which raised a $120M Series E from Goldman Sachs, Temasek, Tiger Global, and Adage Capital Management in February 2020 at a $1B valuation, and point-of-sale payments startup Pine Labs, which closed a corporate minority round from Mastercard in January 2020 to reach a $1.6B

Fintech 80

Fintech US Lending Cards 80

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Noninterest income can be broken down into service charges (and fee income) on deposit accounts , trading revenue, investment banking activities, and the catch-all, other. Types of Noninterest Income.

Community Bank 195

Community Bank Community FDIC Trends 195

South State Correspondent

APRIL 3, 2023

A static pool of deposits is analyzed to see how long they remain on a bank’s balance sheet over time. Banks take a pool from 2018, as an example, and then track runoff to the present. Banks have the option to adjust interest rates, while customers have the option to withdraw funds.

social media 195

social media Community Bank Analysis Training 195

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. First Southern Bank.

Community Bank 172

Community Bank Community National Philadelphia 172

Abrigo

MARCH 24, 2021

Growing loans, earnings are banks' top challenges in 2021. The top banking challenges in 2021 are growing loans and earnings, according to Independent Banker’s recent 2021 Community Bank CEO Outlook survey. Capitalize on the momentum you gained during 2020. Pandemic-Induced Transformations. Learn more. .

Lending 221

Lending Technology Survey Examples 221

Gonzobanker

DECEMBER 20, 2019

Chris Myers, President & CEO, Citizens Business Bank – During a tumultuous time for West Coast banks, Myers kept his sights on being a top commercial relationship bank. The company’s market capitalization, which after declining to less than $600 million in the 2009 recession, has now grown to almost $3 billion.

Idaho 148

Idaho Conference Data Marketing 148

Gonzobanker

DECEMBER 22, 2015

To those community bankers claiming their growing Compliance departments say no to everything. How about fighting harder with better examples and holding compliance officers as accountable as everybody else. Goes to “Virtual” or “Direct” banks. Community bank marketing resources. Information Management Award.

Community Bank 60

Community Bank Apple Community Technology 60

South State Correspondent

JUNE 13, 2022

Banks that are looking to enhance their risk management practices should consider incorporating the concept of the velocity of risk into their enterprise-wide risk management practices. Some risks occur slowly; others strike quickly and hard. Optimizing Risk.

Risk Management 195

Risk Management Examples social media Management 195

Gonzobanker

DECEMBER 14, 2023

Not the financial industry’s “Troublemakers ” – those regional and community banks, credit unions and supporting fintech entrepreneurs who continue to engage customers and communities and find niches that keep the grassroots of our country’s financial system alive and kicking. Grab some popcorn and watch.

Fintech 195

Fintech Community Regional Technology 195