Independent Banker

DECEMBER 28, 2015

This upcoming year has a lot of good in store for our industry, because ICBA continues to pursue even more successes for community banks nationwide. Few would have thought a highway bill would become the vehicle that would allow multiple community bank regulatory relief provisions to be signed into law by the president.

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Jeff For Banks

MARCH 5, 2021

A bank trade association CEO asked me a couple of questions while he was researching an op-ed piece. Shouldn't the CFPB work to address the impediments to starting a bank in LMI markets rather than punish community banks who scrambled to serve their customers when the economy shut down? The edited Q&A is below.

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Independent Banker

JULY 30, 2015

The Independent Bankers Association of New York State has been actively advocating for several initiatives to enhance community banking and the communities and customers our members serve. These increased burdens and costs have had an impact on the number of community banks.

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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.

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South State Correspondent

JULY 25, 2022

We have poured through the recent 2Q earnings releases, spoken with a rash of institutional bank investors, traded thoughts with analysts, and compiled the following list of concerns that bank stakeholders (employees, shareholders, vendors, and regulators) now have. Regulation: What are your regulators concerned about?

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Jeff For Banks

JUNE 2, 2023

Second, this can be accomplished only if the industry does not have too much influence over its regulators and if the regulators have the ability to hire, train, and retain qualified staff. In this regard, the bank regulatory agencies need to remain politically independent. To you, manage your interest rate risk.

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American Banker

JANUARY 23, 2020

A former credit union CEO explains why it chose to become a bank, subject to taxes, and says Congress needs to intervene in discussions on an NCUA proposal to loosen capital standards.

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Independent Banker

JULY 29, 2016

Around the Table—Wisconsin community bankers work with legislative staff members on Capitol Hill during ICBA’s Washington Policy Summit. Keeping community banking interests front and center. 812) and the Community Bank Access to Capital Act (H.R. By Courtney Schoenborn. 1233 and S. 1523 and S.

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Independent Banker

FEBRUARY 16, 2015

Sherrod Brown (D-Ohio), two lawmakers tapped to lead the Senate Banking Committee for their respective parties, are both independent-minded senators who hold positive views on several priority community banking issues. Richard Shelby (R-Ala.) So I would say he’s open to things we are concerned about.”.

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South State Correspondent

JUNE 13, 2022

After adjusting for mitigating factors, the residual risk falls on a spectrum, and banks need to ensure they are not taking too much or too little risk, given the reward. Banks that take too much risk fail, and banks that take too little risk produce returns below their cost of capital and either get acquired or driven out of business.

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Jeff For Banks

FEBRUARY 3, 2017

Third, the explosion in regulations over the past eight years has served to hinder businesses, especially new small business formation, and has drained valuable resources as compliance costs soared. He has promised the elimination of many regulations that are strangling businesses. Maybe change will be coming.

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Gonzobanker

FEBRUARY 7, 2018

Nothing seems to put a bounce in a banker’s step more than a tax break and regulatory relief, and this bountiful energy was radiating at Bank Director’s annual “mecca” for bank M&A in Phoenix last week – Acquire or be Acquired. For those in the know – simply AOBA. 2: The Bulls.

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Jeff For Banks

DECEMBER 12, 2017

I chose five years because banks that focus on year over year returns tend to cut strategic investments come budget time, which hurts their market position, earnings power, and future relevance than those that make those investments. Total return includes two components: capital appreciation and dividends. In 2007, the Bank had $1.1

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Jeff For Banks

MARCH 27, 2015

Where do you think credit unions get their capital? If credit unions suffered a similar fate to many community banks, they couldn''t back up the truck for shareholders to pony up equity to help absorb losses. Becoming more profitable was the logical solution to building up capital positions. And the taxes.

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Gonzobanker

DECEMBER 20, 2018

Despite some controversy about the deal bidding structure, the point is that MB got close to $5 billion for the franchise and locked in an exchange rate before the bank equity market softened. Bank Purchase of the Year. CVB Financial acquires Community Bank. Capital One quit mortgage late in 2017. is A’ight Award.

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Gonzobanker

DECEMBER 17, 2021

Goes to Eric Sprink, Coastal Community Bank , Everett, Wash. Eric has always been a student of innovation, and now at Coastal, this fearless leader has spearheaded a number of high-profile banking-as-a-service partnerships. The regulator and media pressure on overdraft fees has been a constant challenge to overdraft revenue.

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Gonzobanker

DECEMBER 19, 2017

One word can summarize this action-packed banking year, GonzoBankers – tiring. Heavy-handed regulators. THE BANKING AWARDS. Rainbolt has quietly built a community bank in the past 20 years that is closing in on $2 billion of market cap. GonzoBanker of the Year – Large Banks. FinTech threats and distractions.

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Fintech Labs Insights

JULY 22, 2015

Avalara will detail the Weird and Wacky World of Sales Tax. Did you know that sales-tax in the U.S. There are over 12,000 taxing jurisdictions covering millions of taxability rule combinations. Fidor Bank introduced community banking five years ago. is handled unlike any other place on the planet?

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Fintech Labs Insights

AUGUST 1, 2016

Bankjoy offers developers a banking API for a modern, real-time, holistic interface for credit unions and community banks. LendingFront’s lending platform leverages a cloud-based system that furnishes small businesses with capital using their cashflow data.

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