PYMNTS

JANUARY 9, 2018

Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index. Here, again, lies another opportunity for community banks to fill the void.

Community Bank 131

Community Bank Community Fintech Lending 131

ABA Community Banking

JUNE 15, 2021

The FDIC proposed changes to its guidelines for real estate lending policies in order to align standards with the community bank leverage ratio, which does not require electing institutions to calculate tier 2 capital or total capital.

FDIC 51

FDIC Lending Guidelines Community Bank 51

ABA Community Banking

NOVEMBER 30, 2021

FDIC-insured banks and savings institutions earned $69.5 increase from a year before, the FDIC reported today in its Quarterly Banking Profile. The post FDIC: Bank Profits Up in Third Quarter as Capital, Liquidity Levels Remain Strong appeared first on ABA Banking Journal.

FDIC 59

FDIC Capital Report Community Bank 59

Abrigo

APRIL 23, 2015

A new bill proposed on April 16 aims to increase the exam cycle period for a larger pool of community banks. would make more banks eligible for an 18-month exam cycle as opposed to the norm of a 12-month schedule. If implemented, hundreds of additional banks would be eligible for the longer cycle.

Community Bank 150

Community Bank Community Survey FDIC 150

Abrigo

JANUARY 22, 2015

According to a recent survey from four Federal Reserve Banks, small regional and community banks have the highest approval rate for small business loans. The 2014 Small Business Credit Survey was a joint operation conducted by the Federal Reserve Banks of New York, Atlanta, Cleveland and Philadelphia.

Community Bank 150

Community Bank Community Regional Cleveland 150

CFPB Monitor

AUGUST 13, 2018

McWilliams stated that the FDIC’s top priorities included: (1) reducing regulatory burden on community banks; (2) increasing the speed with which the FDIC reviews charter and deposit insurance applications; and (3) assisting banks to introduce new financial products that serve underserved communities.

FDIC 68

FDIC Community Lending Guidelines 68

South State Correspondent

SEPTEMBER 12, 2022

The banking industry’s cost of funds (COF) is highly correlated to short-term interest rates. However, as of Q2/22, the average community bank’s COF has risen only a few basis points. The COF over the past five quarters is shown for three asset peer groups: banks under $1B (3.5k using that six-month lag.

Community Bank 195

Community Bank Community Industry Online 195

Abrigo

APRIL 12, 2016

The FDIC is offering a fresh take on how a bank’s board of directors should understand and manage risk. The regulator’s April edition of Supervisory Insights provides what the FDIC called a “refresher” on its Pocket Guide for Directors, the 1988 booklet outlining the basic duties and responsibilities of a bank’s board of directors.

Management 150

Management FDIC Risk Management Community Bank 150

Jeff For Banks

MAY 7, 2016

Recent news of Prosper scaling back and OnDeck Capital's ongoing losses has taken a little shine off of the FinTech apple. Recently a former bank director and active bank stock investor asked me about the rise of FinTechs and how it impacts community banks. But the death of the community bank is exaggerated.

Community Bank 60

Community Bank Community Fintech FDIC 60

South State Correspondent

MARCH 13, 2023

The failure of SVB is the first example we can recall since the Savings and Loan crisis, where a bank failed mainly because of a duration mismatch between assets and deposits. On the liability side of SVB’s $173B in deposits at the end of 2022, approximately 97% were uninsured and above the $250k in FDIC protection threshold.

Risk Management 221

Risk Management Management Community Bank Community 221

Jeff For Banks

AUGUST 2, 2021

2/ @Schornack The primary asset of the organization was Flagship Bank Minnesota, a Member FDIC and Equal Housing Lender with two locations in the Twin Cities Metro Area. 3/ @Schornack The bank was under a cease and desist order and struggling with a high level of troubled assets. I suggest following Andy on Twitter.

Community Bank 78

Community Bank Community Minnesota Metro 78

ABA Community Banking

MARCH 19, 2020

The FDIC today issued two sets of frequently asked questions addressing banker and consumer concerns related to the coronavirus pandemic. The post FDIC Issues Coronavirus-Related FAQs for Banks, Consumers appeared first on ABA Banking Journal.

FDIC 86

FDIC Community Bank Policies Capital 86

Independent Banker

JULY 31, 2022

Observing the gap in pandemic relief in south Florida due to a lack of local community banks, a trio of banking veterans teamed up to form a digital-first community bank—and were granted a charter in record time to support local businesses. Name: Locality Bank. Keith Costello, Locality Bank. “We

Florida 91

Florida Community Bank Community FDIC 91

American Banker

APRIL 6, 2020

After Congress temporarily lowered the leverage ratio used by smaller institutions, the federal agencies said they would allow a one-year transition before banks have to comply again with the regular standard.

Community Bank 43

Community Bank Community Capital Regulation 43

Jeff For Banks

JANUARY 12, 2019

This might be explained by the capital formation process, where a low performing bank gets equity injections and those folks go on the board. Frequently asked. Seldom answered. In terms of bankers, active or retired, this group looks no different than the Top 5. Perhaps not.

Community Bank 60

Community Bank Community FDIC Dallas 60

Jeff For Banks

JANUARY 12, 2019

This might be explained by the capital formation process, where a low performing bank gets equity injections and those folks go on the board. Frequently asked. Seldom answered. In terms of bankers, active or retired, this group looks no different than the Top 5. Perhaps not.

Community Bank 60

Community Bank Community FDIC Dallas 60

Abrigo

AUGUST 3, 2017

The FDIC paper The Entry, Performance, and Risk Profile of De Novo Banks published in April 2016 reports that the number of de novo bank failures and acquisitions annually has drastically declined since 2010, primarily due to the fact that new bank formations have become nearly inexistent.

Oklahoma City 150

Oklahoma City FDIC Handbook Oklahoma 150

South State Correspondent

APRIL 30, 2022

In this article, we analyze the industry’s cost of funding earning assets (COF) and track how community banks’ COF behaves relative to larger banks. In future articles, we will explain our modeling for community banks’ COF based on inflation, Fed Funds rates, consumer consumption and the Fed’s balance sheet runoff.

Community Bank 195

Community Bank Strategy Community FDIC 195

Abrigo

AUGUST 3, 2015

The ABA’s 2015 Survey of Bank Compliance Officers , conducted February through March 2015, had participation from more than 450 financial institutions, with almost 80 percent being community banks. A recent Forbes commentary, Dodd-Frank, Community Bank Decline, And The Effect On U.S.

Compliance 150

Compliance Community Bank Community Survey 150

American Banker

MARCH 15, 2021

Organizers of the proposed Our Community Bank have received conditional approval that requires them to raise $18 million before opening.

Florida 60

Florida FDIC Community Bank Community 60

Gonzobanker

MAY 4, 2020

All the capital flowing into the digital fintech space is helping to solve banking industry challenges. As the industry’s appetite for digital technology grows, the capital that’s been flowing into mostly digital-focused fintech is solving real industry challenges right now. customer impact. TechCrunch, April 2020.

Fintech 109

Fintech FDIC Capital Community Bank 109

Independent Banker

APRIL 30, 2022

Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own path to success. In true community bank fashion, each has its own story to tell and its own path to success.

Community Bank 172

Community Bank Community Montana Taxes 172

PYMNTS

OCTOBER 17, 2017

ILCs are used to form industrial loan companies, better known as industrial banks. An industrial bank is an FDIC-insured depository institution that is generally subject to the same banking laws and regulations as any other bank charter type, with the important exception of the Bank Holding Act of 1956.

Industry 108

Industry Fintech FDIC Community Bank 108

American Banker

JANUARY 10, 2020

Organizers of Founders Bank in Washington are still need to raise at least $25 million before opening.

FDIC 41

FDIC National Washington Capital 41

American Banker

OCTOBER 16, 2020

First City Bank of Florida had suffered “longstanding capital and asset quality issues” that were unrelated to the pandemic, the FDIC said.

Florida 62

Florida FDIC Regulation Capital 62

Abrigo

FEBRUARY 12, 2020

The main drivers of expected CRE growth in 2020 are: Low interest rates Continued job growth and low unemployment Moderate consumer spending growth Abundant capital and return-seeking investors/lenders, and Increased property values (albeit slowing in appreciation). “2020 could be a pivotal year for the U.S. Watching for CRE red flags.

Lending 195

Lending Trends FDIC Survey 195

ABA Community Banking

OCTOBER 8, 2020

The OCC, the Federal Reserve and the FDIC have adopted a final rule that codifies temporary changes to changes to the community bank leverage ratio and addresses the transition process for banks using the CBLR framework. The post Agencies Finalize Temporary Changes to CLBR appeared first on ABA Banking Journal.

FDIC 52

FDIC Community Bank Community Policies 52

CFPB Monitor

AUGUST 20, 2020

FFIEC : On June 5, 2020, the members of the FFIEC (FDIC, OCC, Federal Reserve Board (“FRB”), CFPB, NCUA and the State Liaison Committee) issued an unprecedented statement on the importance of financial inclusion. On July 23, 2020, the FDIC released a podcast entitled “The Role of Minority Banks.” banking system.

Regulation 78

Regulation FDIC Community Lending 78

Abrigo

APRIL 21, 2020

PPP loans carry a 0% risk weighting, meaning they don’t count against the institution from a risk-based capital standpoint. Non-bank SBA-approved lenders, however, may not participate in the PPPLF at this time. With the surge in loans and no pressure on capital ratios, both Domine and Bates expressed approval for the program.

Lending 195

Lending Capital Minnesota FDIC 195

American Banker

MARCH 20, 2020

Organizers of Coastal Community Bank must raise $19.5 million before opening.

Florida 38

Florida FDIC Community Bank Community 38

Jeff For Banks

JUNE 2, 2023

Finally, resolution of failing financial institutions requires that the deposit insurance fund be strongly capitalized with real reserves, not just federal guarantee.” Although community banks did not lend to sub-prime borrowers in any meaningful way, did we participate? To you, manage your interest rate risk.

FDIC 78

FDIC Community Bank Regulation Lending 78

American Banker

APRIL 7, 2020

Measures that delay the Current Expected Credit Losses standard and reduce a community bank capital ratio are temporary, but the industry now sees an opening to argue that they should be permanent.

Community Bank 62

Community Bank Community Capital Industry 62

PYMNTS

FEBRUARY 19, 2019

As concerns are raised about how industry consolidation might impact competition, Federal Reserve Chairman Jerome Powell is warning that it could hinder small businesses’ access to capital and financial services. He pointed to the Community Reinvestment Act, which encourages banks to loan to small businesses.

Marketing 108

Marketing Community Community Bank Industry 108

Abrigo

JUNE 11, 2021

Measurement plays an important role in ensuring that interest rate risk doesn’t threaten a financial institution’s earnings and capital. 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.

How To 195

How To Risk Management Analysis Kansas City 195

Jeff For Banks

APRIL 25, 2015

I don't think de novo banks are key players to business startup capital formation. Sure, if you cite studies that say these banks' loan books are predominantly small, as the FDIC measures them. But that is because de novo's are limited to making a loan to one borrower of 15% of their capital position.

FDIC 60

FDIC Capital Community Bank Lending 60

American Banker

FEBRUARY 25, 2020

Organizers of Gulf Atlantic Bank must raise $12 million in capital before opening.

Florida 43

Florida FDIC Capital Community Bank 43

PYMNTS

MAY 22, 2018

“The bill also gives regulators more discretion in deciding when to require stress tests of capital adequacy for banks with between $100 billion and $250 billion in assets in the event of another crisis,” according to a summary of the bill in MarketWatch. Criticism to the bill came Tuesday from the U.S.

Regulation 100

Regulation Regional Community Community Bank 100