Capital Community FDIC Study 
South State Correspondent
JULY 30, 2023
How should community banks target and compare their ROE to the industry and their peer group, and what defines a top-performing bank? Bank ROE Historical Performance Total assets for all FDIC-insured institutions was $23.7T Community banks (assets under $10B) composed 14.3% Community banks (assets under $10B) composed 14.3%
South State Correspondent
SEPTEMBER 12, 2022
However, as of Q2/22, the average community bank’s COF has risen only a few basis points. Community banks should be concerned about their COF because looking at current deposit conditions is like driving a car while looking at the rearview mirror. At SouthState Bank, we also study our COF as it is correlated with Fed Funds.
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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.
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. ABA president and CEO, Frank Keating, commented that Dodd-Frank has impacted banks, their customers and the communities they serve.
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.
Jeff For Banks
JUNE 4, 2018
"The FDIC recently has observed instances of liquidity stress at a small number of insured banks." So opened the Summer 2017 FDIC Supervisory Insights issue. So, according to the FDIC rate cap "guidance", you could not exceed 84 basis points on your money market accounts at December 31, 2017 if you were under regulatory scrutiny.
Jeff For Banks
MARCH 5, 2021
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? Should communities today be concerned by the M&A activity taking place? The edited Q&A is below. There are benefits to scale.
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