NCR

AUGUST 31, 2016

An improving housing market is creating opportunities for banks to expand into residential finance, as mortgages are a readily creatable asset that can generate significant profit. Yet banks need one important yet not easily attainable ingredient to do mortgages right in an era of ever-increasing rules and regulations—quality.

Community Bank 49

Community Bank Community Guidelines Compliance 49

Abrigo

APRIL 21, 2020

Steve Domine, President of Minnesota Community Banking and Senior Vice President of Lending at Stearns Bank, explained during a recent Independent Community Bankers of America (ICBA) webinar that his bank sought both inside and outside counsel to understand the SBA rulings.

Lending 195

Lending Capital Minnesota FDIC 195

Jeff For Banks

MAY 20, 2017

and New York Community Bancorp called off their planned merger. Both institutions were over the CRE concentration guidelines, so putting them together would exasperate this risk, so the regulatory thinking must have been. They need a marketing person to title their reports. We perform this service for dozens of community banks.

Lending 60

Lending Regulation Community Community Bank 60

Jeff For Banks

JULY 16, 2011

Bank equity is the primary buffer against loan losses. In the post, Mr. Johnson states "The problem is that some community banks do not have big enough loss-absorbing buffers — the role that bank equity plays." Banks should have a 30% equity to asset ratio. Certainly equity plays the role. You read that correctly.

Capital 66

Capital FDIC Guidelines Regulation 66

Jeff For Banks

MARCH 29, 2014

The Bank offers a wide range of deposit services including demand deposits, regular savings accounts, money market accounts, individual retirement accounts, and certificates of deposit with fixed rates and a range of maturity options. The Bank also offers wealth management and trust services. Prosperity Bancshares, Inc.

Strategy 101

Strategy Texas San Antonio Fort Worth 101

CFPB Monitor

OCTOBER 13, 2020

Supporters point out the Proposed Rule would result in strong and consistent supervision of bank-fintech partnerships across the country, ensuring fairness and compliance with applicable laws, and note the Proposed Rule would keep the costs of credit down and encourage innovation.

Lending 60

Lending Colorado FDIC National 60