Community Bank FDIC National Risk Management 
South State Correspondent
JANUARY 10, 2024
Community banks’ use of swaps (banks’ primary tool to hedge interest rate risk on loans) has increased substantially over the last ten years. Meanwhile, community banks face net interest margin (NIM) and fee income pressure. Only 304 banks (or 6.7% Only 304 banks (or 6.7%
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
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
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.
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.
Abrigo
NOVEMBER 29, 2021
Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. To remain competitive, some of the nations’ largest banks have introduced new products. Community banks target growth. Types of Noninterest Income. An important source of revenue.
Independent Banker
JUNE 30, 2022
Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. But as they always do, they came through for individuals and businesses in their communities with a combination of personalized service and prudent risk management practices. Iowa State Bank.
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