South State Correspondent

AUGUST 8, 2023

We estimate that approximately 50% of the community banks in the industry have a credit department that exerts influence or sets standards on loan pricing. While this process appears appropriate and benign, it increases credit risk, decreases bank profitability, and undermines the proper function of bank credit/yield tradeoff.

Community Bank 195

Community Bank Policies Capital Management 195

South State Correspondent

OCTOBER 4, 2023

In an article last week ( Here ), we discussed how the higher-for-longer interest rate environment will affect the community bank sector. We argued that community banks must learn to improve performance in a low-growth environment for the foreseeable future.

Community Bank 195

Community Bank Community Capital Comparison 195

Abrigo

AUGUST 5, 2020

Now, banks and credit unions must determine how to safely and effectively manage risk in the portfolio while also driving growth at their institution. Therefore, it’s essential that the credit memo captures the complete picture of the borrower to ensure proper risk management. Improving loan grading in a recession.

Management 195

Management Risk Management Trends Industry 195

Abrigo

APRIL 15, 2022

ALM & Measuring Liquidity Risk at Banks and Credit Unions Regulatory agencies expect financial institutions to manage liquidity risk using processes and systems commensurate with the complexity, risk profile, and scope of operations. ALM 101: Introduction to Asset/Liability Management. This is the fourth post in a series.

Management 195

Management Meeting Risk Management Operations 195

South State Correspondent

FEBRUARY 22, 2024

Banks consistently produce under their cost of capital. For example, at present, return on equity performance is about 12% for the average community bank. However, for the average bank, their cost of capital is between 9% and 14% depending on the bank’s equity liquidity with an average of 12.5%.

How To 195

How To Strategy Capital Lending 195

Abrigo

JANUARY 19, 2015

The Recession and its subsequent rate of bank failures underscore the need for banks of all sizes to invest in developing a capital plan. The Recession taught many institutions that whatever processes had been in place for managing capital were not sufficient. The result was insufficient capital.

Capital 150

Capital Analysis Policies Examples 150

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

Abrigo

DECEMBER 22, 2023

download NOW Takeaway 1 The most popular blog posts on the Abrigo site reflect many of the priorities community banks and credit unions had in 2023. Takeaway 2 The top lending and credit blog posts focused on the benefits of banking technology, interest rate management, and developing risk ratings.

Lending 221

Lending Risk Management Community Management 221

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

Independent Banker

FEBRUARY 28, 2022

The ICBA Capital Summit is the premier event for community bankers looking to advocate for their industry. In person for the first time since 2019, the ICBA Capital Summit in Washington, D.C., Community bankers, pack your bags for Washington, D.C. Community bankers, pack your bags for Washington, D.C.

Community 180

Community Washington Community Bank Capital 180

Abrigo

JUNE 5, 2023

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. They help manage and shape strategy in volatile economic and industry conditions. the Community Bank Leverage Ratio (CBLR) and the minimum Tier 1 leverage ratio).

Report 195

Report Risk Management Capital Data 195

Independent Banker

JUNE 30, 2022

Working through any difficulty or crisis at your community bank won’t be a walk in the park, but it may lead to an experience for which you’re truly grateful. As a community banker, you’re either going through a crisis or you’re preparing for one. And today, CAMELS are a main area of focus for our bank.

Community Bank 171

Community Bank Community Lending Training 171

Abrigo

AUGUST 28, 2022

One overall benefit of effective loan pricing is that it is one of the many ways a financial institution can optimize capital. Adams, supervising examiner at the Federal Reserve Bank of Philadelphia, pricing is a key underwriting factor that should be addressed as part of a sound loan policy.

Software 195

Software Lending Philadelphia Capital 195

Jeff For Banks

JANUARY 12, 2019

I will say there seems to be more PE, Investment Banker, Investment Management types on the Bottom 5 boards than on the Top 5. This might be explained by the capital formation process, where a low performing bank gets equity injections and those folks go on the board. Perhaps not. What are your thoughts on an effective board?

Community Bank 60

Community Bank Community FDIC Dallas 60

Jeff For Banks

JANUARY 12, 2019

I will say there seems to be more PE, Investment Banker, Investment Management types on the Bottom 5 boards than on the Top 5. This might be explained by the capital formation process, where a low performing bank gets equity injections and those folks go on the board. Perhaps not. What are your thoughts on an effective board?

Community Bank 60

Community Bank Community FDIC Dallas 60

South State Correspondent

MAY 9, 2022

In our previous article ( HERE ), we reviewed the banking industry’s cost of funding earning assets (COF), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle. That 9% does not include specialty consumer banks or fintech companies.

Community Bank 195

Community Bank Community Industry Online 195

ABA Community Banking

DECEMBER 19, 2014

Part 4: Can you compute “Human Capital ROI” for your bank? Human Resources Management CSuite Community Banking. 1Management'

Policies 76

Policies Community Bank Resources Community 76

South State Correspondent

DECEMBER 5, 2023

Commercial bankers are trusted advisors and have a unique opportunity to understand their client’s specific financial and personal situations, explain the basic concepts of capital markets, and offer prudent and objective advice to help customers reach their goals.

Lending 195

Lending Marketing Capital Community Bank 195

Independent Banker

OCTOBER 31, 2021

The CARES Act extended the CECL implementation deadline for many larger community banks until the end of the COVID-19 pandemic. Community bankers tell us that while the extension is welcome, they’re already down the road to implementation. ICBA tells FASB CECL isn’t feasible for community banks. By Stephanie Vozza.

Community Bank 91

Community Bank Community Software New York City 91

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

Independent Banker

JANUARY 31, 2023

Source: Congressional Management Foundation After COVID changed how we all do business, senators and representatives have expanded their presence across technology by livestreaming on social media, posting Q&As and running email or phone campaigns. Are you trying to raise awareness about a certain policy or bill affecting community banks?

social media 103

social media Meeting Community Community Bank 103

ABA Community Banking

DECEMBER 24, 2014

Mandated change to Federal Reserve policy to bolster community bank deal financing Management CSuite Community Banking. 1Community Banking'

Capital 49

Capital Community Bank Community Policies 49

Independent Banker

AUGUST 31, 2022

of adults have left a job to get away from a manager as a way to improve their overall life. Source: Gallup, “State of the American Manager” report. However, community banks have a big opportunity to stand out from the crowd of potential employers.”. Malvern Bank’s personal touch. Eclipse Bank: Team members first.

How To 91

How To Louisville Community Bank Training 91

Abrigo

AUGUST 3, 2017

She writes that, while in recent years new bank formations have been at an all time low, an increase in de novo activity may be on the horizon. Issued 2 sets of answers to FAQs associated with the FDIC’s Statement of Policy on Applications for Deposit Insurance 3. Heightened capital requirements that must be met up front 3.

Oklahoma City 150

Oklahoma City FDIC Handbook Oklahoma 150

Abrigo

SEPTEMBER 26, 2014

What’s been mostly out of the mainstream news cycle, though, is the effects of regulation following the financial crisis on the community banks– specifically, credit unions. The regulation currently on the table for Congress is a proposed rule from the National Credit Union Administration (NCUA) on risk-based capital.

Capital 191

Capital National Regulation Risk Management 191

Independent Banker

DECEMBER 31, 2022

We recently spoke with community bank CEOs from across the country to gain insights on how they’re proactively positioning to manage risks and take advantage of growth opportunities in the coming year. Following some respite in 2022, community bankers are bracing for a tougher economic landscape ahead in 2023.

Community Bank 91

Community Bank Community Tampa North Carolina 91

Abrigo

JANUARY 29, 2016

One overall benefit of effective loan pricing is that it is one of the many ways a financial institution can optimize capital. Adams, supervising examiner at the Federal Reserve Bank of Philadelphia, pricing is a key underwriting factor that should be addressed as part of a sound loan policy.

Capital 150

Capital Philadelphia Policies Strategy 150

Gonzobanker

FEBRUARY 8, 2022

COVID may have accelerated things, but talk of booster shots and workplace policies wasn’t the most striking contrast at AOBA 2022. Maybe instead of Acquire or Be Acquired, this conference should be called Evolve or Be Acquired,” observed Eric Sprink, CEO of Coastal Community Bank in Everett, Wash.,

Fintech 167

Fintech Customer Experience Conference Technology 167

South State Correspondent

OCTOBER 28, 2022

Any community bank that believes it can keep up and thwart millions of attacks per second is fooling itself. That’s just one example – load balancing, contingency planning, access management, and much more build an overwhelming case of why most bank uses cases should be moved from on-premises to the cloud.

Conference 195

Conference Technology Las Vegas Trends 195

Abrigo

MAY 5, 2022

Podcasts for Bank & Credit Union Execs & Staff Are Plentiful; Here Are 10 Good Ones These banking podcasts discuss current events, strategic and policy issues, competition, digitalization advice, and more. Listen to the podcast episode, " How To Sleep Easier at Night About Capital and Risk Levels.". Whitepaper.

Community 195

Community Lending Maine Resources 195

Abrigo

FEBRUARY 5, 2015

While the report recognizes that customer demands and competition from non-traditional banks will shape banking’s future, the report also recognizes that regulatory expectations and scrutiny will continue to increase, for both traditional community banks and non-bank entities that try to enter banking.

Compliance 150

Compliance Software Community Bank Policies 150

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

Gonzobanker

DECEMBER 14, 2023

Meanwhile, technology changes continued at a breakneck pace, with generative AI the biggest topic around management tables. Importantly, Huntington has continued to focus on digital investments and its strong legacy of product management to remain a progressive regional bank. Grab some popcorn and watch.

Fintech 195

Fintech Community Regional Technology 195

CFPB Monitor

OCTOBER 25, 2019

The panel members are: Claire Kramer-Mills, Assistant Vice President and Director of Community Development Analysis, Federal Reserve Bank of New York. David Burton, Senior Fellow in Economic Policy, Heritage Foundation. Christensen, Associate Professor, Marriott School of Management, Brigham Young University.

Tampa 60

Tampa Lending California Community 60

Independent Banker

AUGUST 25, 2016

Wisconsin bank uses LEAD FWD Summit as a development resource. You can feel the energy boost at Park Bank from its leadership development program. Young employees at the community bank in Madison, Wis., In 2015, the bank paid for 10 employees to attend the conference. By Tim Cook. are excited. 12:30 p.m.

Conference 104

Conference Leadership Community Bank Community 104

Independent Banker

FEBRUARY 24, 2016

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. He adds that regulators and bank management need to act to prevent those risks from becoming reality. “We

Community Bank 70

Community Bank Lending Community Regulation 70

Jeff For Banks

DECEMBER 8, 2022

My biggest concern with the Fed is that they are continuing to pile on outsized rate hikes and are not spacing them out to consider the typical six- to nine-month lag in their policy moves. As Milton Friedman famously wrote: “Monetary policy affects the economy with long and variable lags.” 8%, following September’s -.5%, in September.

Marketing 78

Marketing Policies Philadelphia Community Bank 78