South State Correspondent

FEBRUARY 18, 2024

While the loan underwriting is squarely in most banks’ policy guidelines, the loan is highly leveraged, and any increase in expenses or decrease in revenue will create credit stress for the lender and default risk for the borrower. This loan was underwritten to 1.20X debt service coverage ratio (DSCR), 76% loan-to-value (LTV), 9.2%

Management 195

Management National Guidelines Capital 195

Independent Banker

MAY 31, 2022

Josh Prejean (right) of Bank of Zachary, here with mortgage client David Rozas, says community banks must compete through customer service. We look at how community banks can counter nonbanks’ offerings through streamlined technology, customer service and other strategies. Josh Prejean, Bank of Zachary.

Community Bank 185

Community Bank Community Lending Marketing 185

Independent Banker

APRIL 30, 2022

Operations play a role across multiple facets of community banking, including account onboarding, payments and transactions, fraud analysis, compliance and regulatory guidelines. On a practical level, what steps can community banks take to strengthen their back-office operations? Minimizing friction.

Innovation 91

Innovation Community Bank New York City Community 91

ABA Community Banking

JUNE 15, 2021

The FDIC proposed changes to its guidelines for real estate lending policies in order to align standards with the community bank leverage ratio, which does not require electing institutions to calculate tier 2 capital or total capital.

FDIC 51

FDIC Lending Guidelines Community Bank 51

PYMNTS

MAY 28, 2020

The global financial space has been severely impacted by the ongoing COVID-19 pandemic, with social distancing and stay-at-home guidelines preventing customers from visiting bank branches to access the services they need. Developments From Around The World Of Digital-First Banking.

Community Bank 176

Community Bank Community Security Digital Banking 176

Independent Banker

NOVEMBER 30, 2021

Community banks use dozens or even hundreds of vendors—making it critical that they have an efficient way to stay compliant, track performance and more. Some banks are using a combination of software and internal personnel and systems to do just that. billion-asset 1st Security Bank of Washington in Mountlake Terrace, Wash.,

Management 91

Management Community Bank Community New Jersey 91

Abrigo

NOVEMBER 18, 2016

In a survey of community banks and credit unions at the 2016 Sageworks Risk Management Summit, 42 percent of respondents said Commercial Real Estate, or CRE, lending was their primary focus for loan portfolio growth. This reflects a larger industry trend. For many, commercial real estate lending may be the ticket.

Community Bank 150

Community Bank Handbook Lending Risk Management 150

Independent Banker

FEBRUARY 28, 2023

Photo by Radachynskyi/Adobe Using ICBA’s Marketing Communications Toolkit, your community bank can tell its story with intention and precision. For the banking industry, marketing can be finicky. The toolkit offers specific guidelines on writing and placing news releases and op-eds.

Marketing 91

Marketing social media Community Bank Video 91

NCR

AUGUST 31, 2016

Many banks have done the math to determine how much staff they would need to hire, train and manage in order to sell loans that are fully compliant with state and federal regulations and agency and investor guidelines. Banks that choose to do so, however, face another challenge. Outsourcing loan QC is not for everybody.

Community Bank 49

Community Bank Community Guidelines Compliance 49

ABA Community Banking

APRIL 2, 2020

The Small Business Administration today issued an interim final rule that provides additional implementation guidelines and requirements for its Paycheck Protection Program to aid small businesses hit hard by the COVID-19 crisis.

Guidelines 134

Guidelines Community Bank Policies Community 134

PYMNTS

APRIL 16, 2020

Foreign exchange and cross-border payments solution provider Currencycloud and cloud-based derivatives and FX firm Derivative Path have announced a partnership aimed at enabling regional and community banks to integrate cross-border payments technologies. Deloitte, Unqork, Plaid Debut Lending-as-a-Service Tool.

Data 167

Data Lending Regional Fintech 167

Abrigo

DECEMBER 2, 2021

Indeed, deposit levels to transaction accounts among community banks exploded 74% to $896.5 31, 2019, and June 3, 2021, according to the Community Banking in the 21st Century report. During the pandemic, fraud activity has increased, and fraudsters have found new ways to scam bank customers and credit union members.

Conference 195

Conference San Antonio Lending Fraud 195

Abrigo

DECEMBER 9, 2014

Community banks are expanding their loan portfolios to include more small business loans, according to the most recent Community Bank Performance report by the FDIC. Loans across categories increased, with commercial and industrial loans growing at the fastest rate, roughly 5.3 percent over the 3rd quarter of 2013.

Training 170

Training Policies Analysis Community Bank 170

South State Correspondent

NOVEMBER 14, 2022

There are a few basic guidelines that every good banker must consider. Lenders must recognize that banks are in the business of keeping loans and not making loans. It costs the average community bank $6k to $14k to book a new commercial loan but only about $2k to $4k to modify or amend an existing commercial loan.

Analysis 195

Analysis Guidelines Marketing Community Bank 195

South State Correspondent

NOVEMBER 14, 2022

There are a few basic guidelines that every good banker must consider. Lenders must recognize that banks are in the business of keeping loans and not making loans. It costs the average community bank $6k to $14k to book a new commercial loan but only about $2k to $4k to modify or amend an existing commercial loan.

Analysis 195

Analysis Guidelines Marketing Community Bank 195

PYMNTS

OCTOBER 8, 2018

As stated in the letter and as reported by CNBC, “It is important that all policy makers work toward developing clearer guidelines between those digital tokens that are securities, and those that are not, through better articulation of SEC policy, and, ultimately, through formal guidance or legislation.” .

United States 174

United States Regulation cryptocurrency Cleveland 174

Independent Banker

DECEMBER 13, 2015

Certain mobile functions and features are essential to the success of a community bank’s mobile banking offerings. Newfangled mobile capabilities could help community banks stand apart from their competitors. Funds transfer (within same bank). If their bank can’t do this, what else can’t they do?”

Community Bank 70

Community Bank Boston Community Iowa 70

Independent Banker

NOVEMBER 24, 2015

Certain mobile functions and features are essential to the success of a community bank’s mobile banking offerings. Newfangled mobile capabilities could help community banks stand apart from their competitors. Funds transfer (within same bank). If their bank can’t do this, what else can’t they do?”

Community Bank 70

Community Bank Boston Community Iowa 70

Abrigo

APRIL 21, 2020

Steve Domine, President of Minnesota Community Banking and Senior Vice President of Lending at Stearns Bank, explained during a recent Independent Community Bankers of America (ICBA) webinar that his bank sought both inside and outside counsel to understand the SBA rulings.

Lending 195

Lending Capital Minnesota FDIC 195

Independent Banker

DECEMBER 13, 2015

Indirect auto lending has played a major role for Security Federal Savings Bank in Jasper, Ala. Half a dozen years ago, the community bank held $13 million in auto loans. Currently the bank has a little less than $40 million in assets, according to President and CEO C. MainStreet Bank in Fairfax, Va.,

Community Bank 70

Community Bank Lending Community Security 70

Independent Banker

NOVEMBER 24, 2015

Indirect auto lending has played a major role for Security Federal Savings Bank in Jasper, Ala. Half a dozen years ago, the community bank held $13 million in auto loans. Currently the bank has a little less than $40 million in assets, according to President and CEO C. MainStreet Bank in Fairfax, Va.,

Community Bank 70

Community Bank Lending Community Security 70

PYMNTS

APRIL 8, 2016

The movement to embrace those loans will bring in a few types of firms to help extend such credit to consumers, said the director, with the impetus coming from the first federal rule introducing guidelines coming within months, as has been widely reported.

Fintech 100

Fintech Guidelines Lending Regulation 100

American Banker

NOVEMBER 10, 2016

Banks have been waiting on Justice Department guidelines on how to make their websites compliant with the Americans with Disabilities Act, but many are being advised to take action now or face lawsuits from disabled customers.

Guidelines 53

Guidelines How To Community Bank Regional 53

CFPB Monitor

AUGUST 13, 2018

McWilliams stated that the FDIC’s top priorities included: (1) reducing regulatory burden on community banks; (2) increasing the speed with which the FDIC reviews charter and deposit insurance applications; and (3) assisting banks to introduce new financial products that serve underserved communities. Finally, Ms.

FDIC 68

FDIC Community Lending Guidelines 68

Independent Banker

JANUARY 28, 2016

Supreme Court held that financial institutions could be held liable for neutral practices that pose adverse lending decisions against certain borrowers, even when there is no intent to discriminate, but with restrictive guidelines. IB: How could fair lending exams change as a result of the Supreme Court’s ruling?

Policies 70

Policies Lending Community Analysis 70

Jeff For Banks

MAY 20, 2017

and New York Community Bancorp called off their planned merger. Both institutions were over the CRE concentration guidelines, so putting them together would exasperate this risk, so the regulatory thinking must have been. We perform this service for dozens of community banks. Last December, Astoria Financial Corp.

Lending 60

Lending Regulation Community Community Bank 60

Abrigo

APRIL 15, 2022

Along with this, strong liquidity reporting and monitoring processes are expected, including strict guidelines on liquidity positions such as operating levels and use of contingent sources. The NSFR typically only applies to large banks but is a metric community banks should be aware of even if they are not required to calculate it.

Management 195

Management Meeting Risk Management Operations 195

American Banker

AUGUST 11, 2016

A new exam handbook released by the Office of the Comptroller of the Currency is sparking concerns that the agency is quietly expanding heightened regulatory guidelines meant for larger banks to smaller institutions.

Handbook 28

Handbook Guidelines Community Bank Community 28

American Banker

JUNE 16, 2016

Their new guidelines on mobile security include other surprises, too, such as specific requirements tied to geolocation, security tests and cross-site scripting. The answer may be no, according to federal regulators.

Mobile 28

Mobile Guidelines Regulation Security 28

Independent Banker

FEBRUARY 25, 2015

Community banks, which will continue to face a growing number of senior customers with everyday cash needs and built-up home equity, should explore this niche lending opportunity, two community bankers providing these specialty loans suggest. New FHA guidelines. By Howard Schneider.

Trends 70

Trends Community Lending Community Bank 70

Independent Banker

FEBRUARY 28, 2022

Community bankers, pack your bags for Washington, D.C. After a year of virtual visits, the ICBA Capital Summit —the most high-profile and powerful community bank advocacy event of the year—is back in person May 1–4. We are taking appropriate safety measures and following all federal and local guidelines. Washington, D.C.,

Community 180

Community Washington Community Bank Capital 180

Jeff For Banks

JULY 16, 2011

Bank equity is the primary buffer against loan losses. 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." But in his post (see link below), he makes two comments that bears refutation: 1.

Capital 67

Capital FDIC Guidelines Regulation 67

Gonzobanker

MAY 22, 2014

That’s a good start, but it hasn’t yet trickled down to the community bank space. Mobile banking? As in any business relationship, we need guidelines as to the responsibilities of each party. In the large FI arena, vendors sometimes empower one person to be the main point of contact for all services. Debit processing?

Management 106

Management Mobile Technology Marketing 106

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

Gonzobanker

OCTOBER 15, 2014

My heart goes out to the hard working professionals who run the Treasury Services or “Cash Management” divisions at community banks. Sure, it’s easy to poke fun at the big banks for being slow and bureaucratic. As one technologist at a $9 billion bank said to me, “They just nod their heads and ignore us.”

Management 108

Management Community Bank Community Resources 108

PYMNTS

APRIL 24, 2020

The new funding round reserves $60 billion for community banks and small lenders, $75 billion for hospitals, $25 billion to support testing, $60 billion for small lenders and $60 billion for emergency disaster loans and grants. The first PPP funding was depleted within days of being released on April 3.

Guidelines 151

Guidelines Community Bank America Survey 151

Abrigo

APRIL 23, 2020

As lenders awaited word Thursday on final approval of $310 billion in new authorizations for the Paycheck Protection Program (PPP), they had as many questions as answers about program guidelines. Lenders using the application portal to enter loans have unique identification numbers. Streamline your PPP loan management. learn more.

Lending 221

Lending Los Angeles North Carolina Community 221