Independent Banker

NOVEMBER 30, 2022

Community Financial Services Bank, Benton, Ky.; In our annual workplace survey, employees of ICBA’s best community banks to work for told us they benefit from engaging cultures, opportunities for advancement and innovative benefits. Clockwise from top left: Grand Ridge National Bank, Wheaton, Ill.; Bank of Montana, Missoula, Mont.;

Community Bank 169

Community Bank Community Montana Leadership 169

Abrigo

OCTOBER 1, 2014

Today’s youth and others across all age groups are placing a significant importance on consuming local food, developing local relationships and improving local communities. This is great news for community banks. A recent American Banker article discussed why the local food movement is good for community banking.

Community Bank 170

Community Bank Community Capital Lending 170

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. This is especially important when liquidity is scarce, as it is now.

Community Bank 195

Community Bank Community Capital Comparison 195

Abrigo

APRIL 25, 2024

The negative correlation of funded business loans to the Fed funds rate is a staggering 86% as businesses weigh their needs for capital against expensive debt and lenders aim to limit risk. Almost half sought credit to grow their businesses, and 28% applied to make repairs or replace capital assets.

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Lending Trends Capital Strategy 221

PYMNTS

AUGUST 24, 2019

The woman who was accused of hacking into Capital One’s cloud and swiping the information of more than 100 million people was denied bail, Bloomberg reported on Friday (Aug. 23), he said at the hearing that Thompson wasn’t a risk to the community and that her previous threats of suicide were not sufficient to detain her. “We

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Capital Seattle Policies Community 155

Independent Banker

DECEMBER 31, 2021

Independent Banker ’s annual Community Bank CEO Outlook survey reveals how community bank leaders plan to leverage today’s deposit-laden banking environment to grow this year. Janet Silveria, Community Bank of Santa Maria. So, what’s at the top of community bank leaders’ to-do lists? What changes will 2022 bring?

Community Bank 144

Community Bank Community Lending Louisiana 144

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. Forward-looking review 4.

Capital 150

Capital Analysis Policies Examples 150

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%. Why is that? That is a problem.

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How To Strategy Capital Lending 195

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. The Role of the Credit Department A community bank’s credit department serves many functions. Accurately allocate capital to more profitable business units.

Community Bank 195

Community Bank Policies Capital Management 195

Finer Points

MAY 6, 2015

Last week’s ICBA Washington Policy Summit showed once again that community bankers are not only willing to go the extra mile—they’re even grateful for the privilege.

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Washington Community Policies Meeting 100

Abrigo

DECEMBER 18, 2023

WATCH Takeaway 1 Banks and credit unions are critical sources of capital for businesses in their communities, so how institutions assess CRE credits matters. Takeaway 3 Loan-level stress testing can help assess repricing risk, while capital stress testing helps clarify the impact of CRE loan losses on capital.

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Risk Management Management Lending Capital 221

ABA Community Banking

JUNE 29, 2023

Mooney introduces ABA-backed bill to help small banks raise capital appeared first on ABA Banking Journal. Alex Mooney (R-W.Va.) this week introduced a bill that would raise the threshold for small bank holding companies from $3 billion to $10 billion. T The post Rep.

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Capital Company Community Bank Policies 96

American Banker

FEBRUARY 23, 2022

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Policies Community Capital 80

ABA Community Banking

SEPTEMBER 13, 2019

The post ABA Data Bank: Majority of Community Banks Hold High Levels of Capital appeared first on ABA Banking Journal.

Community Bank 45

Community Bank Community Capital Data 45

ABA Community Banking

MARCH 16, 2022

The American Bankers Assocaition raised concerns today regarding documentation for the Treasury Department’s Emergency Capital Investment Program, a program aimed at helping community development financial institutions and minority depository institutions support access to capital in underserved communities.

Capital 52

Capital Community Community Bank Policies 52

ABA Community Banking

SEPTEMBER 17, 2019

The FDIC today approved a final rule allowing community banks with a leverage capital ratio of at least 9% to be considered in compliance with Basel III capital requirements and exempt from the complex Basel Calculation. The post FDIC Final Rule Sets Community Bank Leverage Ratio at 9% appeared first on ABA Banking Journal.

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Community Bank FDIC Community Capital 66

South State Correspondent

FEBRUARY 18, 2024

An interest rate hedging strategy, specific hedge duration, amortization term, capital infusion covenants, and other loan structure requirements become more critical with higher leverage loans. debt yield, and the CRE capitalization (cap) rate is 7.00%. debt yield, and the CRE capitalization (cap) rate is 7.00%.

Management 195

Management National Guidelines Capital 195

TheGuardian

SEPTEMBER 27, 2023

Since the company was founded in 1800 in Rhode Island, the bank has never offered its home loan services at a branch location in a majority-Black or Latino neighborhood throughout the state, including in the state capital of Providence, where the vast majority of the state’s Black and Latino population live. Continue reading.

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Rhode Island Lending Washington Community Bank 79

ABA Community Banking

MARCH 25, 2021

The post COVID Makes the Case for Smarter Capital Measures appeared first on ABA Banking Journal. A year into the crisis, the blunt instrument of leverage ratios is about to make it harder for banks of all sizes to support the recovery.

Capital 92

Capital Community Bank Policies Community 92

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. Is there education or training at ICBA Community Banker University that can help?

Community Bank 171

Community Bank Community Lending Training 171

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 3 Articles specific to small community banks were among the most-read blogs, with best practices for construction lending at the top of the list.

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Lending Risk Management Community Management 221

Abrigo

NOVEMBER 8, 2019

Top down and bottom up analysis can inform capital assessments. Effective stress testing can benefit many different facets of lending, from risk management and strategic decision-making to capital adequacy and liquidity management. Stress testing and capital adequacy.

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Lending Risk Management Analysis Capital 150

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. The drop in liquidity ratios is expected to accelerate through 2023.

Community Bank 195

Community Bank Community Strategy Management 195

American Banker

AUGUST 22, 2023

The American Bankers Association and Bank Policy Institute Tuesday urged bank regulators to delay the finalization of its Community Reinvestment Act rule, saying regulators have not calibrated the rule to account for upcoming capital changes or considered whether courts will find the Consumer Financial Protection Bureau's funding structure constitutional. (..)

Regulation 36

Regulation Policies Community Capital 36

CFPB Monitor

OCTOBER 11, 2018

At the Online Lending Policy Institute’s (OLPI) annual summit in Washington, D.C. The summit speakers included Grovetta Gardineer, the Senior Deputy Comptroller for Compliance and Community Affairs at the OCC. Mr. Watkins indicated that the CFPB’s no-action letter policy may also be subject to review by the Bureau.

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Policies Lending Data Online 60

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

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.

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FDIC Lending Guidelines Community Bank 51

ABA Community Banking

JANUARY 22, 2024

The move to MDI status is part of the 130-year-old bank’s pivot to serving its community more deeply while building its capital base to support growth. Late in 2023, Warsaw Federal — a $71 million mutual savings and loan in Cincinnati — was officially designated as a minority depository institution.

Strategy 52

Strategy Community Capital Community Bank 52

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. Takeaway 2 Reports that assess capital, growth, and liquidity provide banking professionals data to drive decisions. Regulators review them to assess safety and soundness.

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Report Risk Management Capital Data 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. Main Street Banking: A Podcast for Community Bankers 8. And all release a new episode at least monthly. NextGen Banker 10.

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Community Lending Maine Resources 195

PYMNTS

APRIL 1, 2020

We’ve given paid time off to anyone who needs it, we’ve expanded benefits, and expanded Citi Foundation in our community.”. These buybacks constitute the vast majority of capital return to our shareholders,” he said. “We On credit, Corbat said the Bank Policy Institute, a nonpartisan public policy group, reported yesterday U.S

Policies 156

Policies Capital US System 156

ABA Community Banking

DECEMBER 21, 2021

With the expiration of coronavirus-related relief provided under the CARES Act, the community bank leverage ratio will revert to a minimum of 9% starting on Jan. The post Agencies: Community Bank Leverage Ratio Returns to 9% on Jan. 1, 2022, the banking agencies said today. 1 appeared first on ABA Banking Journal.

Community Bank 45

Community Bank Community Policies Capital 45

Independent Banker

MARCH 31, 2022

Executive committee members tell us what advocacy issues they’ll be focused on during their terms, while board members share their words of wisdom for up-and-coming community bankers: themselves. To sum it up, these leaders are all in and all heart for community banking. We are not Wall Street banks—we are community banks.

Community Bank 239

Community Bank Community Industry Texas 239

ABA Community Banking

APRIL 6, 2020

As required by Section 4012 the CARES Act, the federal banking agencies today temporarily lowered the community bank leverage ratio, issuing two interim final rules to set the CLBR at 8% and then gradually re-establish it at 9%. The post Agencies Temporarily Lower Community Bank Leverage Ratio to 8% appeared first on ABA Banking Journal.

Community Bank 75

Community Bank Community Policies Capital 75

BankUnderground

FEBRUARY 1, 2022

It is certainly not a mystery that the Fed’s monetary policy is of great importance for financial markets and the global economy. However, in a recently published Staff Working Paper , we show that the Fed’s monetary policy measures are not the only valuable piece of information contained in the Fed’s announcements.

Policies 88

Policies Capital Maine US 88

Abrigo

JANUARY 11, 2022

Takeaway 2 Rather than helping financial institutions avoid risk entirely, ALM helps ensure a bank or credit union's risk exposures represent levels in line with policy limits. . Each arm represents a different interest of the institution (earnings, growth, capital, liquidity, etc.). The ALM Basics. 4 Common questions about ALM.

Management 195

Management Meeting Capital Strategy 195

Independent Banker

JANUARY 31, 2023

Digital media gives community bankers a platform for advocacy, and ICBA’s Virtual Advocacy Primer details how you can put it to work. How can a community banker best connect with a member of Congress? Are you trying to raise awareness about a certain policy or bill affecting community banks? What’s your end goal?

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social media Meeting Community Community Bank 103