Community Bank FDIC Regulation 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
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. How significant was CRE lending to the souring of bank loan portfolios? Anxiety, anxiety, anxiety.
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Jeff For Banks
JUNE 2, 2023
Second, this can be accomplished only if the industry does not have too much influence over its regulators and if the regulators have the ability to hire, train, and retain qualified staff. In this regard, the bank regulatory agencies need to remain politically independent. To you, manage your interest rate risk.
Jeff For Banks
MARCH 5, 2021
A bank trade association CEO asked me a couple of questions while he was researching an op-ed piece. Shouldn't the CFPB work to address the impediments to starting a bank in LMI markets rather than punish community banks who scrambled to serve their customers when the economy shut down? The edited Q&A is below.
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. So the bank necessarily hunts for smaller relationships. I'm also skeptical that small community banks in general are financing startup businesses.
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.
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.
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