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

Abrigo

MAY 5, 2022

A quick look at top banking podcasts worth a listen, according to Abrigo : 1. Banking Transformed 2. Banking with Interest 4. Breaking Banks 6. Banking on Digital Growth 7. Main Street Banking: A Podcast for Community Bankers 8. BankTalk 3. Ahead of the Curve: A Banker’s Podcast 5.

Community 195

Community Lending Maine Resources 195

PYMNTS

OCTOBER 17, 2017

ILCs are used to form industrial loan companies, better known as industrial banks. An industrial bank is an FDIC-insured depository institution that is generally subject to the same banking laws and regulations as any other bank charter type, with the important exception of the Bank Holding Act of 1956.

Industry 108

Industry Fintech FDIC Community Bank 108

Abrigo

FEBRUARY 12, 2020

CRE loan growth at community banks has been outpacing noncommunity banks, both in the quarter and over the last year, according to the FDIC’s latest Quarterly Banking Profile. . Loans for life insurance companies increased 5%, and government-sponsored entity (GSE) originations fell 1%. Watching for CRE red flags.

Lending 195

Lending Trends FDIC Survey 195

Jeff For Banks

JUNE 2, 2023

Economists cite as the main culprit the collapse of the subprime mortgage market — defaults on high-risk housing loans — which led to a credit crunch in the global banking system and a precipitous drop in bank lending. Although community banks did not lend to sub-prime borrowers in any meaningful way, did we participate?

FDIC 78

FDIC Community Bank Regulation Lending 78

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

PYMNTS

MAY 27, 2020

If you talk to a bank CEO, they will tell you that most of them want to grow deposits, unless you are big enough that you worry about allocating capital. HMBradley offers FDIC-insured accounts through Hatch Bank based in California, and rates of about 3 percent on its savings accounts.

Fintech 236

Fintech Innovation Digital Banking FDIC 236

Independent Banker

FEBRUARY 24, 2016

Welcome to the Crescent City, where the largest educational gathering of community bankers convenes this month. It’s Community Banking LIVE 2016 in New Orleans. For the most current information about Community Banking LIVE 2016. IB: What’s the main message in your book, “The Road to Reinvention”?

Community Bank 70

Community Bank Community Innovation Customer Experience 70

Independent Banker

MARCH 15, 2015

It was a prescient move for Hartings and the $450 million-asset community bank, which comfortably weathered the downturn even though residential mortgages are its biggest business line—but not everyone appreciated Hartings’ common-sense approach at the time. Westerheide is now a director at the bank. s main office in Coldwater.

Ohio 70

Ohio Community Bank Community Lending 70

Independent Banker

AUGUST 26, 2015

Webster says 75 percent of Private Bank’s borrowers select the electronic signature option after its loan officers explain the process to them. “We Community banks and their customers don’t need to be concerned about the legality of digitally signed documents. Legal aspects.

San Francisco 70

San Francisco Lending System Atlanta 70

Jeff For Banks

JULY 16, 2011

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." In fact, against loan losses, the main subject of the post, the bank has a loan loss allowance. Certainly equity plays the role.

Capital 67

Capital FDIC Guidelines Regulation 67

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. The bank provides crop insurance to farmers in 11 states.

Community Bank 172

Community Bank Community National Philadelphia 172

Jeff For Banks

MARCH 29, 2014

We believe we can effectively compete as a community bank in our market area and the niche markets we serve. We serve the dental and other health professional industries through a centralized loan and deposit platform that operates out of our main office in Dallas, Texas and serves clients in 30 states.

Strategy 102

Strategy Texas San Antonio Fort Worth 102

Independent Banker

JANUARY 26, 2016

Likewise, ESSA Bank fills in the gaps by providing personal loans for transportation, housing or education. It also helps school those people in money management using the FDIC Money Smart Program, a 10-module set of instruction on topics ranging from budgeting and saving to establishing and maintaining credit.

Pennsylvania 70

Pennsylvania Nevada Community Community Bank 70

Long Lasting Ideas

JULY 25, 2018

When Congress passed the White House-backed tax reform legislation late last year, we at BankMarketingCenter.com tried to strike a positive chord, pointing to community banks that had increased wages and bonuses for employees. Continue reading Trump Tax Cuts – Benefiting Wall Street or Main Street?

Taxes 40

Taxes Maine FDIC Marketing Strategies 40

Jeff For Banks

APRIL 14, 2022

2019 Mehrsa Baradaran Baradaran, Mehrsa The Color of Money: Black Banks and the Racial Wealth Gap 2019 Neil Barofsky Barofsky, Neil Bailout: An Inside Account of How Washington Abandoned Main Street While Rescuing Wall Street 2012 Patricia Beard Beard, Patricia Blue Blood and Mutiny: The Fight for the Soul of Morgan Stanley 2007 Ben S.

America 78

America National Denver United States 78