Abrigo

AUGUST 6, 2021

How can community financial institutions thrive in 2021? Community banks provide unique and important banking services for their customers, but they also face significant obstacles. Takeaway 1 Community banks play an important role in the economy and their communities, but they face significant obstacles.

Community Bank 195

Community Bank Community Kansas City Lending 195

South State Correspondent

MAY 15, 2024

We believe that while lending diversification leads banks to lend more in normal times (especially for banks over $50B in assets) and does benefit the general economy, community banks should be careful in how and where they choose to diversify. It is hard to achieve geographical diversification within a bank’s footprint.

Community Bank 195

Community Bank Community Lending Study 195

Abrigo

DECEMBER 22, 2023

download NOW Takeaway 1 The most popular blog posts on the Abrigo site reflect many of the priorities community banks and credit unions had in 2023. Takeaway 2 The top lending and credit blog posts focused on the benefits of banking technology, interest rate management, and developing risk ratings.

Lending 221

Lending Risk Management Community Management 221

Independent Banker

MAY 31, 2022

Fraud and cyber attacks are on the rise, and at great expense to the industry. Community banks have a choice about addressing the problem: Remain vulnerable or be vigilant. Fraud and cybercrimes continue to increase, causing challenges for community banks. Here are some ideas for strengthening fraud defenses.

Community Bank 134

Community Bank Community Fraud Texas 134

South State Correspondent

MARCH 19, 2024

The Importance of Cross-selling and Upselling Studies conducted on banking relationships find that the most profitable commercial clients at banks buy more than one product at those banks, and there is a strong positive correlation between profitability and number of products sold and the bank’s size of customer wallet.

Community Bank 195

Community Bank Community Industry Cards 195

Abrigo

DECEMBER 11, 2014

In September, the Office of the Comptroller of the Currency (OCC) published final guidelines designed to “strengthen the governance and risk management practices of large financial institutions.” While the final guidance clearly applies to larger financial institutions, community banks should still take note.

Community Bank 207

Community Bank Community Guidelines Risk Management 207

Independent Banker

DECEMBER 31, 2021

Independent Banker ’s annual Community Bank CEO Outlook survey reveals how community bank leaders plan to leverage today’s deposit-laden banking environment to grow this year. Janet Silveria, Community Bank of Santa Maria. So, what’s at the top of community bank leaders’ to-do lists?

Community Bank 144

Community Bank Community Lending Louisiana 144

Abrigo

AUGUST 5, 2020

Now, banks and credit unions must determine how to safely and effectively manage risk in the portfolio while also driving growth at their institution. Therefore, it’s essential that the credit memo captures the complete picture of the borrower to ensure proper risk management. Improving loan grading in a recession.

Management 195

Management Risk Management Trends Industry 195

Abrigo

OCTOBER 23, 2014

But how can this growth be managed appropriately? CEIS Review , a New York-based bank consulting firm, highlights the shift in a recent article. Community banks certainly want to remain conservative with risks and follow regulations.

Risk Management 186

Risk Management Management Lending Resources 186

Jack Henry

SEPTEMBER 18, 2019

Fintech providers play an important role in the financial services industry. Banks and credit unions rely heavily on fintechs to sustain compliant efficient operations, process payments and other data, protect information and deliver service to customers in a variety of ways.

Risk Management 68

Risk Management Fintech Management Resources 68

South State Correspondent

FEBRUARY 27, 2024

Community bankers need to practice realistic loan pricing discipline. However, we need to understand the meaning of pricing discipline and its effect on community bank performance. Bankers need to manage credit relationships to ROA/ROE and not credit spreads. Why do banks use RAROC loan pricing models?

How To 195

How To Community Bank Community Management 195

South State Correspondent

OCTOBER 10, 2022

FTP was introduced to banks in the early 1980s to help manage interest rate risk on a transactional basis. Over time FTP was further advanced to allow management to measure and manage credit, interest rate, liquidity, and operational risk across business units. Simple Funds Transfer Pricing Example.

Community Bank 195

Community Bank Community Examples Management 195

Abrigo

JUNE 5, 2023

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. They help manage and shape strategy in volatile economic and industry conditions. the Community Bank Leverage Ratio (CBLR) and the minimum Tier 1 leverage ratio).

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Report Risk Management Capital Data 195

South State Correspondent

FEBRUARY 8, 2023

The current yield curve presents various challenges for community bankers for revenue generation and risk management. In this article, we will outline the significance of the yield curve shape and what it may portend for community banks. Bankers also need to address credit risks from floating rate structures.

Community Bank 195

Community Bank Community Risk Management Strategy 195

South State Correspondent

APRIL 23, 2023

The root cause of Silicon Valley Bank’s (SVB) failure is poor risk management – plain and simple. Bankers need to understand and manage their business on the fair value of assets and liabilities instead of managing their business on net interest margin and the amortized historical cost of assets and liabilities.

Management 195

Management Security Risk Management social media 195

South State Correspondent

JANUARY 30, 2023

Rising funding costs and decreasing liquidity at community banks are causing managers to change pricing methodology for new credits. This makes some sense, as in other industries, if your input pricing goes up, you often adjust your end pricing. The drop in liquidity ratios is expected to accelerate through 2023.

Community Bank 195

Community Bank Community Strategy Management 195

Abrigo

FEBRUARY 2, 2015

The banking industry has seen a steady stream of media attention since 2008, much of it in the form of stories about data breaches linked to major retailers or mega banks’ profits. Risk management issues were also a high-ranking hurdle to growing banks, with 26 percent calling it a concern for 2015.

Community Bank 150

Community Bank Community Regulation Survey 150

Abrigo

OCTOBER 20, 2020

Key Takeaways Gain an understanding of the current state of banking and future expectations. The banking industry has faced many challenges in 2020, from transitioning to CECL, managing Paycheck Protection Program loans, and navigating an unprecedented economic recession. Plan for new technology and innovations.

Management 195

Management Lending Community Strategy 195

Gonzobanker

FEBRUARY 23, 2022

Early adopters are earning prestige while investors and a hoard of community banks explore the opportunity to tap into this new source of revenue. As the gold rush period shakes out, Cornerstone predicts only one in five banks will have a strong enough I.T. assets, citing high NIE.

Community Bank 133

Community Bank Strategy Risk Management Fintech 133

Gonzobanker

JUNE 28, 2023

Deep expertise in sound business lending has value , which showed up in the market both directly helping community banks and through partnerships. As an industry observer, the relationship Baker Hill built up with Fiserv over the last several years really had my attention because I saw the mutual need and benefit.

Fintech 147

Fintech Risk Management Lending Software 147

ForwardBanker

DECEMBER 6, 2017

It’s the role of a CEO in any industry to manage necessary business risks and eliminate unnecessary ones. Financial institution CEOs have to do so in an environment that’s fraught with risk from multiple sources. PWC’s 20th CEO Survey illustrates the worries financial industry CEOs.

Risk Management 33

Risk Management Management Survey Industry 33

Abrigo

MARCH 2, 2023

You might also like this whitepaper, "Best practices for purchasing bank or credit union software" DOWNLOAD Takeaway 1 As Southwest Airlines learned, technology shortcomings create enormous costs in the short-term and in the future. Possible recession Shouldn’t financial institutions reduce expenses? But experts say that would be a mistake.

Technology 195

Technology Lending Community Software 195

Abrigo

JUNE 11, 2021

Measuring Interest Rate Risk Can Vary by Institution Interest rate risk measurement plays a key role in ensuring an institution's safety and soundness. Would you like other articles on asset/liability management in your inbox? FDIC) noted in its 2021 Risk Review.

How To 195

How To Risk Management Analysis Kansas City 195

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

Gonzobanker

NOVEMBER 2, 2023

Every year, digitization further rattles the relevancy of the traditional hierarchical banking organization. To overcome the struggle, banks need to build leadership teams that align with how a future “Smarter Bank” will operate. That’s the new DNA we need to increase across the banking industry.

Leadership 158

Leadership Industry Management Resources 158

PYMNTS

APRIL 16, 2019

Among the most recent headlines, in Asia this past week, the Monetary Authority of Singapore (MAS) and the National Bank of Cambodia have signed a memorandum of understanding (MOU), that Business Times said will boost partnerships on FinTech and financial services innovation. The banks have also agreed to share data on emerging markets.

Fintech 211

Fintech San Francisco National Innovation 211

Abrigo

DECEMBER 17, 2021

Takeaway 3 Many FIs will price-compare vendors, but neglect to consider potential hidden costs , especially when managing multiple vendors. As the saying goes, “the only constant in life is change,” which is certain for the banking industry. Having a cohesive vision from the top down is critical to a culture of innovation.

Fintech 195

Fintech How To Innovation System 195

Abrigo

AUGUST 28, 2022

For banks and credit unions, a popular tool to monitor credit risk is a standardized risk rating system, which can serve several purposes. They can also form the basis for broader risk management practices – for instance, setting the reserve, stress testing the loan portfolio , setting risk appetites and strategic planning.

System 195

System How To Lending Risk Management 195

Independent Banker

NOVEMBER 30, 2022

It also aimed to capture the gaming market with its Professional Poker Banking Program, which is open to players who have participated in at least one of the World Series of Poker tournaments. Professional players’ finances can be unpredictable and can bring increased regulatory scrutiny, making this a market many banks won’t touch.

Las Vegas 129

Las Vegas Community Bank Community Wisconsin 129

Abrigo

OCTOBER 6, 2017

During a Sageworks webinar on HVCRE risk management Rob Ashbaugh, senior risk management consultant at Sageworks, explained that clarifications on some of the murkier aspects of the HVCRE (high volatility commercial real estate) rule were anticipated by the industry.

Regulation 150

Regulation Risk Management Community Bank Community 150

Abrigo

MARCH 23, 2015

It is only natural for community banks to have loan concentrations that result from the market(s) they serve and the markets they pursue. In today’s times, a high commercial real estate (CRE) concentration is often the result of community banks pursuing opportunity in the market. Blog Bank Credit Union'

Community Bank 150

Community Bank Risk Management Community Analysis 150

Abrigo

MARCH 6, 2017

Other advisors and trade groups have written plenty on how bankers should not behave on social media, describing some of the risks involved in unmonitored activity. 2) @GonzoBanker – Cornerstone Advisors’ totally opinionated take on technologies, strategies, vendors and “anything else we run across in the trenches of the banking industry.”

social media 150

social media Lending Community Community Bank 150

South State Correspondent

OCTOBER 26, 2023

Money 20/20 (M2020) is the only conference in the industry where it is both possible and expected to pull off two breakfasts, two lunches, three cocktail parties, and two dinners PER DAY. The near-frictionless Know Your Customer (KYC) solution merits a look from banks. Maybe a topic for next year?

Conference 221

Conference Las Vegas Fraud Case Study 221

Independent Banker

OCTOBER 1, 2022

“A lot of people have this notion that it will never happen to my business or my bank, because it’s too small,” says Linda Comerford, assistant vice president of incident response and cyber services at AmTrust Financial Services Inc. The bank was only able to get fully up and running after it paid a negotiated ransom.”.

Montana 152

Montana Policies Resources FDIC 152

Independent Banker

JUNE 30, 2022

While it has had some benefits, like stronger risk management for our banks, it has made the customer process much more daunting. But community banks have adapted to address that shift. We, as community bankers, will continue to adapt to meet our customers’ needs. Rebeca Romero Rainey.

Lending 141

Lending Idaho Nevada Oregon 141

Independent Banker

MAY 31, 2021

When I transitioned from a community bank CEO to ICBA president and CEO, my team gave me a beautiful handmade card with notes and best wishes. In this time of change, foundational risk and compliance knowledge will anchor your bank as you navigate new developments. icba.org/events. But it wasn’t all smooth sailing.

Course 104

Course Community Bank Community Compliance 104

Abrigo

FEBRUARY 12, 2020

commercial real estate industry, with geopolitical, economic and local regulatory issues in keen focus,” real estate services firm CBRE wrote recently in its U.S. Nearly half of survey respondents (48%) said CRE would have the top focus for growth in their banks’ loan portfolios. Real Estate Market Outlook.

Lending 195

Lending Trends FDIC Survey 195