South State Correspondent
JANUARY 10, 2024
Community banks’ use of swaps (banks’ primary tool to hedge interest rate risk on loans) has increased substantially over the last ten years. Meanwhile, community banks face net interest margin (NIM) and fee income pressure. Only 304 banks (or 6.7% Only 304 banks (or 6.7%
South State Correspondent
AUGUST 21, 2022
Last week we wrote about loan-level vs. balance sheet hedging for community banks and provided our loan proposal generator ( HERE ). We compared and contrasted the two strategies and sized the market for community banks. A community bank may transact one or only a few balance sheet hedges over many years.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Abrigo
MARCH 2, 2023
Experts have highlighted numerous lessons from Southwest’s experience, many of which can benefit bank and credit union executives, regardless of their institution size, as they manage competing priorities for spending and growth initiatives on banking solutions.
Abrigo
DECEMBER 9, 2014
Community banks are expanding their loan portfolios to include more small business loans, according to the most recent Community Bank Performance report by the FDIC. Loans across categories increased, with commercial and industrial loans growing at the fastest rate, roughly 5.3 percent over the 3rd quarter of 2013.
Abrigo
NOVEMBER 9, 2022
One option for banks to meet the CECL implementation date while ensuring the optimal use of crucial bank staff in the interim is to work with a CECL consulting team on an outsourced transition. It can also reduce the time spent on documenting decisions and report writing. Prepare documentation—policies and procedures—as you go.
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.
Independent Banker
AUGUST 26, 2015
The bank’s mortgage company has developed a national retail lending presence over the last 18 months using phones and email, rather than branch offices. “We We get the disclosure back faster” when borrowers digitally sign documents exchanged by email, Webster notes. Lia webster, private bank of buckhead. Legal aspects.
Expert insights. Personalized for you.
195 
Let's personalize your content