PYMNTS

JANUARY 9, 2018

With big banks pulling back from small and medium-sized business (SMB) lending in the wake of the global financial crisis, the market was ripe for someone else to fill the credit gap. But small business lending is only one part of the banking puzzle. Enter: alternative lenders.

Community Bank 131

Community Bank Community Fintech Lending 131

Abrigo

SEPTEMBER 15, 2022

Bank monitoring in construction lending. More construction loan monitoring ultimately decreases loan default, according to a new FDIC Center for Financial Research working paper. Bank construction lending: $403 billion. On-site inspections. CRE loans up.

Study 195

Study FDIC Lending Risk Management 195

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.

How To 195

How To Community Bank Community FDIC 195

Abrigo

FEBRUARY 12, 2020

Key Takeaways Commercial real estate lending will be a top focus for many financial institutions in 2020. Real Estate Market Outlook. Nearly half of survey respondents (48%) said CRE would have the top focus for growth in their banks’ loan portfolios. Despite transformational changes to our business, CBRE’s 2020 U.S. Learn more.

Lending 195

Lending Trends FDIC Survey 195

Abrigo

FEBRUARY 16, 2015

A popular opinion, brought to the forefront last week by a Harvard University report , is that these regulations are imposing a significant burden on small financial institutions such as community banks and credit unions. She also added that community banks, specifically, have seen more than 11 percent growth.

Community Bank 150

Community Bank Community Regulation Lending 150

South State Correspondent

APRIL 1, 2023

Deposit outflows for the prior week were revised upwards to show a combined decline of $64B, including $185B from community banks—the Fed included a notice with the release stating that data for the week ending March 15 were revised to account for a change in how FDIC bridge banks were incorporated into the community bank data.

Regulation 221

Regulation Community Bank Community Capital 221

Abrigo

JANUARY 22, 2015

According to a recent survey from four Federal Reserve Banks, small regional and community banks have the highest approval rate for small business loans. The 2014 Small Business Credit Survey was a joint operation conducted by the Federal Reserve Banks of New York, Atlanta, Cleveland and Philadelphia.

Community Bank 150

Community Bank Community Regional Cleveland 150

Abrigo

NOVEMBER 24, 2015

Add FDIC Chairman Martin J. The FDIC said that the percentage of loans and securities with maturities of three or more years hit the highest percentage in the 18 years of data records, rising to 34.6 Community banks have grown their share of longer-term assets even more quickly than the rest of the industry, according to the FDIC.

FDIC 150

FDIC Lending Community Bank Industry 150

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. A failure in back-office technology directly affects customer experiences.

Technology 195

Technology Lending Community Software 195

Independent Banker

JUNE 30, 2022

Academy Bank COO Tom Kientz notes that the community bank was eager to expand its deposit and loan services. Looking for an avenue to increase its deposit base, Academy Bank tapped into a market it hadn’t explored before: homeowners associations. One of the very quick things we turned to were HOAs,” he says.

Kansas City 91

Kansas City Kansas FDIC Community Bank 91

Abrigo

MARCH 31, 2017

Commercial real estate lending continues to receive regulatory scrutiny and reminders for financial institutions to practice solid risk management. FDIC officials in March outlined several types of weaknesses in loan underwriting, administration and oversight practices that are emerging at some banks with CRE portfolios.

FDIC 186

FDIC Risk Management Analysis Lending 186

South State Correspondent

MARCH 13, 2023

The failure of SVB is the first example we can recall since the Savings and Loan crisis, where a bank failed mainly because of a duration mismatch between assets and deposits. On the liability side of SVB’s $173B in deposits at the end of 2022, approximately 97% were uninsured and above the $250k in FDIC protection threshold.

Risk Management 221

Risk Management Management Community Bank Community 221

Independent Banker

JULY 31, 2022

Observing the gap in pandemic relief in south Florida due to a lack of local community banks, a trio of banking veterans teamed up to form a digital-first community bank—and were granted a charter in record time to support local businesses. Name: Locality Bank. Keith Costello, Locality Bank. “We

Florida 91

Florida Community Bank Community FDIC 91

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Financial institutions generate most of their income by lending and investment activities. Community banks target growth. Types of Noninterest Income. An important source of revenue.

Community Bank 195

Community Bank Community FDIC Trends 195

PYMNTS

FEBRUARY 19, 2019

.” Other critics have raised the issue that the OCC is advising examiners to take community group concerns into consideration separately from their M&A approval processes. ” Now, Powell is also raising concerns about how bank industry consolidation could negatively impact the small business community.

Marketing 108

Marketing Community Community Bank Industry 108

South State Correspondent

APRIL 30, 2022

Based on the futures market, the Federal Reserve is expected to raise the Fed Funds rate to 3.00% at its December 2022 meeting. In this article, we analyze the industry’s cost of funding earning assets (COF) and track how community banks’ COF behaves relative to larger banks. Historical Cost of Funds Analysis.

Community Bank 195

Community Bank Strategy Community FDIC 195

Independent Banker

JUNE 30, 2022

The Peoples Bank helped the Jones family of Legacy Dairy in Hiseville, Ky., From left, Ally Jones; bank chairman, president and CEO Terry L. Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. Ag lending in the South: Relationships matter. By Ed Avis.

Community Bank 172

Community Bank Community National Philadelphia 172

Abrigo

AUGUST 3, 2015

The ABA’s 2015 Survey of Bank Compliance Officers , conducted February through March 2015, had participation from more than 450 financial institutions, with almost 80 percent being community banks. ABA president and CEO, Frank Keating, commented that Dodd-Frank has impacted banks, their customers and the communities they serve.

Compliance 150

Compliance Community Bank Community Survey 150

Abrigo

APRIL 21, 2020

Key Takeaways Financial institutions have 10 calendar days to disburse PPP loans To address financial institutions’ liquidity and leverage concerns, regulators have helped to facilitate lending. To address financial institutions’ liquidity and leverage concerns, regulators have helped to facilitate lending. How to fund PPP loans.

Lending 195

Lending Capital Minnesota FDIC 195

Abrigo

MAY 5, 2022

Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S. or largely focused on the domestic banking market. So here’s your head start on finding some banking podcasts that might work for you. Lending & Credit Risk. Whitepaper.

Community 195

Community Lending Maine Resources 195

Jeff For Banks

MAY 20, 2017

Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. They need a marketing person to title their reports.

Lending 60

Lending Regulation Community Community Bank 60

Abrigo

MARCH 17, 2022

Takeaway 1 The 2022 stress test scenarios released by banking regulators for DFAST institutions can help smaller banks and credit unions analyze the potential impact of adverse outcomes. The 2022 stress test scenarios provide a blueprint for community banks and credit unions to get started on their own stress tests.

Capital 195

Capital Regulation Risk Management Community 195

Jeff For Banks

AUGUST 14, 2022

The FDIC's quarterly Supervisory Insights for Summer 2011 had a list! Imagine the community bank that is experienced in lending to fuel oil businesses in or near its markets because it's comfortable using trucks, tanks, and oil inventory as collateral. What were disfavored industries?

Operations 78

Operations Lending FDIC Industry 78

PYMNTS

APRIL 24, 2019

percent interest rate, while money market accounts return an average 0.21 In addition, Wealthfront works with FDIC-insured partner banks — including East West Bank , New York Community Bank and others — to hold customers’ deposits. It now manages $13.5

FDIC 108

FDIC New York Community Bank Course 108

Abrigo

MARCH 13, 2023

Historic collapse SVB is different from other financial institutions The FDIC closure and assumption of Silicon Valley Bank (SVB) – the largest bank failure since 2008 – is a stark reminder that when a crisis occurs, it can spread as fast as a wildfire in dry fields with a strong wind.

Strategy 195

Strategy Lending Security Analysis 195

Jeff For Banks

JUNE 2, 2023

The old borrow short, lend long strategy. I want to read to you the FDIC’s conclusion from their An Examination of the Banking Crisis of the 1980’s and Early 1990’s. Who would’ve thought lending $1 million to a San Francisco cab driver to buy a house at 100% loan to value would go bad? What caused it?

FDIC 78

FDIC Community Bank Regulation Lending 78

Gonzobanker

MAY 4, 2020

In the midst of unprecedented market volatility, recent deals and back-channel chatter illustrate that fintech demand remains high. Cornerstone Advisors’ payments guru Tony DeSanctis pointed to the unique value of Honey’s data and time to market, and I totally agree, but PayPal couldn’t build this for under $4 billion?

Fintech 109

Fintech FDIC Capital Community Bank 109

ABA Community Banking

OCTOBER 1, 2019

Heated competition for bank funding is an increasingly important focus for community bank leaders, according to an annual survey released today by the Federal Reserve, the FDIC and the Conference of State Bank Supervisors.

Survey 49

Survey Community FDIC Community Bank 49

CFPB Monitor

MARCH 30, 2020

Section 4008 of the CARES Act authorizes the Federal Deposit Insurance Corporation (FDIC) to establish a debt guarantee program to guarantee the debt of solvent insured depository institutions and depository institution holding companies. Section 4011 – Temporary Lending Limit Waiver. Section 4008 – Debt Guaranty Authority.

Regulation 122

Regulation United States Community Bank National 122

Independent Banker

FEBRUARY 24, 2016

Just about every community bank makes commercial real estate loans. A whopping 95 percent of ICBA members are active commercial real estate (CRE) lenders, according to the latest ICBA Community Bank Lending Survey. Responsible lending. Regulators warn once again about rising CRE concentrations and risks.

Community Bank 70

Community Bank Lending Community Regulation 70

American Banker

APRIL 7, 2020

Firms that spread big-dollar deposits to community banks have seen a rush in demand as small businesses seek emergency loans to weather the coronavirus pandemic.

Meeting 58

Meeting Community Bank Marketing Community 58

PYMNTS

JANUARY 31, 2019

is set to see its first new community bank in decades, as the Federal Deposit Insurance Corporation (FDIC) lent its approval for MOXY Bank to launch in Washington, D.C. With clearance to move forward with its plans, the community banking landscape will see its first new industry player in years.

Community Bank 122

Community Bank Community FDIC Marketing 122

Jeff For Banks

DECEMBER 16, 2022

My method was to search for the best banks based on total return to shareholders over the past five years. I chose five years because banks that focus on year over year returns tend to cut strategic investments come budget time, which hurts their market position, earnings power, and future relevance than those that make those investments.

Puerto Rico 78

Puerto Rico Virgin Islands Community Community Bank 78

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. increased operational risks.

Compliance 101

Compliance Regulation Community Bank Community 101

Jeff For Banks

MARCH 29, 2014

(OTCQB: TBNC) "The Bank is a full-service commercial bank offering a broad range of commercial and consumer banking services to small- to medium-sized businesses, single-family residential and commercial contractors and consumers. We focus our marketing efforts in three areas. Prosperity Bancshares, Inc.

Strategy 102

Strategy Texas San Antonio Fort Worth 102

CFPB Monitor

OCTOBER 13, 2020

The Independent Community Bankers of America, a trade association representing community banks, endorses the clear, unambiguous standard set forth in the Proposed Rule. According to Avant, this would promote credit availability while deterring abusive lending programs.

Lending 60

Lending Colorado FDIC National 60

Independent Banker

MARCH 15, 2015

Thoughtful lending and an open mind keep profits strong for incoming ICBA chairman Jack Hartings. The Peoples Bank Co. While out-of-town lenders gave money to customers requiring no down payments to buy overpriced homes that they couldn’t afford, Hartings, the president and CEO of The Peoples Bank Co. By Kelly Pike.

Ohio 70

Ohio Community Bank Community Lending 70