Independent Banker

DECEMBER 31, 2022

While the pace of bank regulatory changes has diminished from a few years ago, several issues will either become effective or likely develop in 2023. Community banks must continue to stay focused on regulatory discussions and remain nimble to respond to proposals and address requirements quickly and accurately. Source: FDIC.

Compliance 100

Compliance FDIC Community Bank Community 100

Abrigo

NOVEMBER 24, 2015

Add FDIC Chairman Martin J. Gruenberg to the list of regulators and industry officials warning about growing credit risks in the U.S. 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

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FDIC Lending Community Bank Industry 150

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

CFPB Monitor

AUGUST 20, 2020

federal and state financial institution regulators have taken meaningful, proactive steps to acknowledge financial inequality issues, reach out to traditionally underserved populations to expand access to credit, and further protect consumers from discrimination. This blog post contains a summary of those efforts.

Regulation 78

Regulation FDIC Community Lending 78

CFPB Monitor

MARCH 30, 2020

The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) includes the following key provisions that affect financial institutions and regulation of financial institutions: Section 4003 – Emergency Relief and Taxpayer Provisions. Section 4008 – Debt Guaranty Authority. Section 4010 – Temporary Hiring Flexibility.

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Regulation United States Community Bank National 122

Independent Banker

SEPTEMBER 25, 2014

This is particularly true for community banks preparing to undergo their next regulatory safety and soundness or compliance examination. The better prepared, the less likely they are to run afoul of the continually shifting regulations. Benjamin Franklin famously said that “by failing to prepare, you are preparing to fail.”

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Compliance Regulation Community Bank Community 101

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.

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Marketing Community Community Bank Industry 108

Jeff For Banks

MAY 20, 2017

And regulators are getting anxious. and New York Community Bancorp called off their planned merger. Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. We perform this service for dozens of community banks. Anxiety, anxiety, anxiety.

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Lending Regulation Community Community Bank 60

American Banker

FEBRUARY 23, 2016

On the one hand, the FDIC's Quarterly Banking Profile showed how normal banking is again. But there were also worrying signs, including an increase in charge-offs, higher loan-loss provisions, and fears of the impact from the energy sector.

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FDIC Report Cards Community Bank 28

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

Independent Banker

FEBRUARY 24, 2016

New inspirations, fresh experiences await at ICBA’s national convention. 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. Regulators Luncheon*. So we want our checking accounts to be FDIC insured.

Community Bank 70

Community Bank Community Innovation Customer Experience 70

Independent Banker

SEPTEMBER 22, 2015

Both of these laws pointedly changed the National Flood Insurance Program requirements over which of the banking agencies have jurisdiction. There is an exception that will be key for many community banks to understand. Biggert-Waters) the bank was not required under federal or state law to escrow taxes or insurance.

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Regulation Policies Community Bank Taxes 70

Independent Banker

DECEMBER 13, 2015

Even if you’re not required to use either version of the Cybersecurity Assessment, beta users say it can help your community bank gauge its cybersecurity risks and ultimately guard against cybercrime. At the Bank of Luxemburg, a $290 million-asset community bank in Luxemburg, Wis., Real-world testing. “I

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Tools Community Community Bank Security 70

Independent Banker

NOVEMBER 24, 2015

Even if you’re not required to use either version of the Cybersecurity Assessment, beta users say it can help your community bank gauge its cybersecurity risks and ultimately guard against cybercrime. At the Bank of Luxemburg, a $290 million-asset community bank in Luxemburg, Wis., Real-world testing. “I

Tools 70

Tools Community Community Bank Security 70

American Banker

NOVEMBER 29, 2016

The Federal Deposit Insurance Corp.'s s third-quarter earnings report was stacked with good news: record earnings and lending, fewer troubled loans and higher interest and noninterest income. Yet there was one statistic that is likely to fuel more calls for help from Washington.

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FDIC Report Washington Cards 28

American Banker

AUGUST 29, 2016

Kansas City Federal Reserve Bank President Esther George is best known nationally as a critic of the Fed’s monetary policy, but in a wide-ranging interview she talks about Dodd-Frank, bank capitalization and the challenges facing community banking, in addition to interest rates.

Kansas City 31

Kansas City Kansas Community Bank Policies 31

American Banker

JUNE 1, 2016

Ties to the energy sector hurt the banking industry in the first quarter as earnings fell 1.9% billion compared with a year earlier, the Federal Deposit Insurance Corp. said Wednesday.

FDIC 28

FDIC Industry Community Bank Regional 28

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. Large Community Bank Council, member. Membership-Marketing.

Ohio 70

Ohio Community Bank Community Lending 70

American Banker

JUNE 1, 2016

While there were positive signals like loan growth and improved interest margins in the Federal Deposit Insurance Corp.'s s first-quarter report card, there were also signs of trouble for the future, including larger institutions' ongoing exposure to the energy sector.

FDIC 28

FDIC Data Cards Report 28

American Banker

AUGUST 31, 2016

Plenty of banks have ended their federal loss-share deals early, but despite the incentives to wind them down, plenty more still have these crisis-era arrangements in place. It may be due to varying deadlines, mistakes calculating loan values or worries that they still might need the coverage for home equity lines.

FDIC 28

FDIC CA Community Bank Regional 28

Independent Banker

AUGUST 26, 2015

She’s chief operating officer and vice president of the mortgage company, a division of Private Bank of Buckhead, in Atlanta. The bank’s mortgage company has developed a national retail lending presence over the last 18 months using phones and email, rather than branch offices. “We Legal aspects.

San Francisco 70

San Francisco Lending System Atlanta 70

South State Correspondent

MARCH 15, 2023

Percentage of Uninsured Deposits: At the time of failure, SVB had approximately 88% of their deposits above the FDIC-insured $250k limit and ran at 95% at the end of last year. This is compared to about 40% at most banks. The ratio would provide a bank’s current core capital position to risk-adjusted assets.

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social media FDIC Branding Management 195

PYMNTS

NOVEMBER 18, 2019

recorded its fourth bank failure this year — the first collapse of financial institutions since 2017, according to data from the Federal Deposit Insurance Corp ( FDIC ). 1 when City National Bank of New Jersey closed its three branches with assets of about $120.6 Resolute Bank in Maumee, Ohio closed on Oct.

Kentucky 140

Kentucky FDIC Ohio US 140

Gonzobanker

AUGUST 22, 2014

The number of banks will continue to shrink from the present 6,700, and we won’t ever see more banks than we have today. While we may see an uptick in the number of new bank charters from the near zero we have today, too many other industries with less regulation will attract capital.

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Strategy United States Community New York City 87

American Banker

JUNE 20, 2016

Real regulatory relief for community banks and stricter oversight of the biggest financial firms are steps that can increase investor interest in new banks.

Community Bank 34

Community Bank Community FDIC Regional 34

American Banker

OCTOBER 11, 2016

Large banks are outpacing community banks in deposit gathering because new liquidity rules make deposits more valuable to the biggest banks, mobile banking has been a deposit magnet for the heavyweights, and regional and midsize players hold certain advantages over smaller rivals, too.

Community Bank 28

Community Bank Regional Community Mobile 28

American Banker

OCTOBER 11, 2016

Large banks are outpacing community banks in deposit gathering because new liquidity rules make deposits more valuable to the biggest banks, mobile banking has been a deposit magnet for the heavyweights, and regional and midsize players hold certain advantages over smaller rivals, too.

Community Bank 28

Community Bank Regional Community Mobile 28

American Banker

JANUARY 5, 2017

2016 was very good to these financial services executives, who succeeded where others failed, sold their businesses for large sums, felt the love of regulators or could finally breathe a sigh of relief.

Regulation 48

Regulation FDIC Community Bank Regional 48

Independent Banker

JULY 29, 2016

Around the Table—Wisconsin community bankers work with legislative staff members on Capitol Hill during ICBA’s Washington Policy Summit. Keeping community banking interests front and center. 812) and the Community Bank Access to Capital Act (H.R. Any community banker is welcome and encouraged to attend.

Community Bank 70

Community Bank Community Washington FDIC 70

Abrigo

MARCH 17, 2022

The Stress Test Scenarios for Big Banks Are Useful for Smaller Institutions' Own Tests Banking regulators recently released the 2022 scenarios for upcoming stress tests by the biggest banks. But small banks and credit unions can benefit from the stress test scenarios, too. Related Subhead.

Capital 195

Capital Regulation Risk Management Community 195

American Banker

AUGUST 8, 2016

Under pressure from regulators to beef up risk management in commercial real estate lending, banks are using new software tools to improve analysis.

Big Data 28

Big Data Risk Management Data Analysis 28

Jeff For Banks

MARCH 29, 2014

These services are provided through a variety of delivery systems including automated teller machines, private banking, telephone banking and Internet banking. We believe we can effectively compete as a community bank in our market area and the niche markets we serve. We focus our marketing efforts in three areas.

Strategy 102

Strategy Texas San Antonio Fort Worth 102

American Banker

SEPTEMBER 8, 2016

Without incentives to shoot higher, banks usually settle for "Satisfactory" on their Community Reinvestment Act exams, but many find that not getting a better grade has consequences.

Community 28

Community FDIC Community Bank Regional 28

American Banker

AUGUST 2, 2016

is raising concerns about potential spillover effects from depressed oil prices even as banks had sounded more optimistic. The Federal Deposit Insurance Corp. Tougher capital requirements for energy lenders could be on the horizon.

Capital 28

Capital FDIC Community Bank Regional 28

American Banker

AUGUST 30, 2016

The growth in loan demand and the industry's interest-related income has come in spite of continued pressures on bank profitability.

Lending 31

Lending Industry FDIC Community Bank 31

American Banker

MAY 13, 2016

Approval from the Federal Reserve Board is all that stands between Bank of the Ozarks in Little Rock, Ark., and two acquisitions that will add $6.1 billion in assets.

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FDIC Community Bank Regional National 28

American Banker

APRIL 11, 2016

The latest version of a new accounting standard for calculating loan-loss reserves would ease the burden on small banks, ICBA officials say. However, the ABA says it still fails to eliminate the biggest problem — asking lenders to predict the future.

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FDIC Community Bank Regional National 28