Community Bank Document FDIC Management 
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.
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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
Many institutions are well on their way to being ready, but others are still working through the process,” said Garver Moore, Managing Director of Abrigo’s Advisory Services. Some CECL consultants can provide financial institutions with the model and initial allowance calculation, including documentation of the decision and backtesting.
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.
PYMNTS
MAY 27, 2020
For banks, the opportunity is there to cement the trust of their customers during uncertain times that have made individuals increasingly uncertain about personal health, job security, paychecks and even whether the money they have in the accounts is safe and sound. If you talk to a consumer, most of them want to make money on their money.”.
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