Community Bank FDIC Lending US 
South State Correspondent
APRIL 30, 2024
An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks do this profitably by turning transactional accounts into relationships.
South State Correspondent
APRIL 30, 2024
An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks do this profitably by turning transactional accounts into relationships.
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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.
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.
South State Correspondent
MARCH 13, 2023
While we will cover the general lessons HERE , in this article, we wanted to focus on the root cause – how and why interest rate risk caused the second-largest bank failure in US history (Washington Mutual was the largest in 2008). Equally important is the bank’s securities duration, as shown in the graph below.
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.
South State Correspondent
APRIL 30, 2022
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. In future articles, we will explain our modeling for community banks’ COF based on inflation, Fed Funds rates, consumer consumption and the Fed’s balance sheet runoff.
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