Abrigo
DECEMBER 11, 2014
In September, the Office of the Comptroller of the Currency (OCC) published final guidelines designed to “strengthen the governance and risk management practices of large financial institutions.” While the final guidance clearly applies to larger financial institutions, community banks should still take note.
South State Correspondent
OCTOBER 9, 2023
In two articles in the past few weeks ( here and here ), we discussed how the “higher-for-longer” interest rate environment will affect the community bank sector – continued increase in the cost of funds (COF), steady yields on loans, and a decrease in net interest margin (NIM) will put severe pressure on ROE for new loan originations.
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Abrigo
MAY 8, 2015
In recent months, the momentum around reducing the regulatory burden on the nation’s community banks has continued to gain steam. There are more than 6,000 banks and thrifts under $10 billion in assets and they are often less equipped to deal with complexities brought by additional regulations.
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.
Independent Banker
OCTOBER 1, 2022
Cyber and data security have long been areas of emphasis for community banks, but in today’s escalating digital environment, that focus has grown. While there’s no cyber or data security silver bullet, by bringing the theoretical into a true banking environment, we can begin to establish action plans that speak to real-world attacks.
Jeff For Banks
AUGUST 2, 2021
14/ @Schornack Strong expense management structures allow the SMB more flexibility then to further invest in strong staff and improved client experiences. It's a matter in investing prudently and managing what using a sports term is called unforced errors, or what I consider are unnecessary expenses. million in 2012 to $12.2
Independent Banker
DECEMBER 31, 2021
Let’s rediscover what it means to be community bankers. Let’s exercise our nimble natures to exceed customer expectations. Because as community bankers, it’s what we do. That just may be community bankers’ word of the year. Flush customer accounts may enable us to position wealth management services. My Top Three.
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