Community Bank FDIC Lending Taxes 
Independent Banker
JANUARY 26, 2016
The FDIC has released a proposal to indemnify the banks with assets less than $10 billion from the costs of raising the Deposit Insurance Fund reserve ratio from 1.15 The provision will ultimately provide thousands of community banks a reduction in deposit-insurance premiums of up to 30 percent. percent to 1.35
Independent Banker
APRIL 30, 2022
Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own path to success. In true community bank fashion, each has its own story to tell and its own path to success.
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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. How significant was CRE lending to the souring of bank loan portfolios?
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? We took a serious reputational hit.
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.
Jeff For Banks
APRIL 25, 2015
Sure, if you cite studies that say these banks' loan books are predominantly small, as the FDIC measures them. If a de novo starts with $15 million of capital, its largest possible lending relationship is $2.2 So the bank necessarily hunts for smaller relationships. How do I know this?
Independent Banker
AUGUST 26, 2015
Legally and operationally, digital John Hancocks come of age in lending. Electronic signatures “absolutely” have helped PrivatePlus Mortgage expand its residential mortgage lending reach nationwide, says Lia Webster. Community banks and their customers don’t need to be concerned about the legality of digitally signed documents.
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