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

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

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

Jeff For Banks

JULY 16, 2011

Bank equity is the primary buffer against loan losses. In the post, Mr. Johnson states "The problem is that some community banks do not have big enough loss-absorbing buffers — the role that bank equity plays." This would put them in sync with regulators, that are requiring banks to write down loans on expected losses.

Capital 66

Capital FDIC Guidelines Regulation 66

Jeff For Banks

MAY 20, 2017

and New York Community Bancorp called off their planned merger. Both institutions were over the CRE concentration guidelines, so putting them together would exasperate this risk, so the regulatory thinking must have been. We perform this service for dozens of community banks. Last December, Astoria Financial Corp.

Lending 60

Lending Regulation Community Community Bank 60

Jeff For Banks

MARCH 29, 2014

These services are provided through a variety of delivery systems including automated teller machines, private banking, telephone banking and Internet banking. We believe we can effectively compete as a community bank in our market area and the niche markets we serve. Texas Capital Bancshares, Inc.

Strategy 101

Strategy Texas San Antonio Fort Worth 101