Abrigo

FEBRUARY 23, 2023

Meanwhile, leaders at small banks recognize that their institutions play a vital role in helping community businesses and individuals not only weather uncertainty but also thrive. How can community financial institution leaders manage their challenges and seize their opportunities at the same time?

Community Bank 195

Community Bank Kansas City Community Lending 195

Abrigo

NOVEMBER 12, 2016

Many community banks and credit unions are turning to small business loans as a source of loan growth. In their Spring 2016 Semiannual Risk Perspective , regulators have publicly acknowledged increasing risk in commercial real estate lending, so small business lending seems like it may be an alternative path.

Lending 186

Lending Community Bank Community Analysis 186

Abrigo

AUGUST 28, 2022

Leveraging the efficiencies gained from lending software Banks and credit unions that leverage an integrated lending and credit platform reap the benefits of a consistent, efficient and defensible lending program. Lending and Credit Software. Ag Lending. Lending & Credit Risk. Learn More.

Software 195

Software Lending Philadelphia Capital 195

Independent Banker

JUNE 30, 2022

Working through any difficulty or crisis at your community bank won’t be a walk in the park, but it may lead to an experience for which you’re truly grateful. As a community banker, you’re either going through a crisis or you’re preparing for one. And today, CAMELS are a main area of focus for our bank.

Community Bank 171

Community Bank Community Lending Training 171

Abrigo

APRIL 22, 2024

Recent dynamics of the small business lending market A deep understanding of the small business lending landscape and potential efficiencies can help banks and credit unions grow their portfolios. You might also like this guide for smarter, faster small business lending.

Lending 243

Lending St. Louis Community Marketing 243

South State Correspondent

FEBRUARY 22, 2024

Banks consistently produce under their cost of capital. For example, at present, return on equity performance is about 12% for the average community bank. However, for the average bank, their cost of capital is between 9% and 14% depending on the bank’s equity liquidity with an average of 12.5%. Why is that?

How To 195

How To Strategy Capital Lending 195

Abrigo

JUNE 8, 2017

To provide bank management valuable information about ongoing and emerging market trends and developing areas of regulatory focus In order for a loan review program to be successful there are two foundational checkpoints for every financial institution: Objectivity of the loan review process, and an evolving lending policy.

Risk Management 150

Risk Management Management Policies Lending 150

Independent Banker

NOVEMBER 30, 2022

Stacy Watkins (left), president and CEO, and Hilary Nelson (right), senior vice president and director of operations and compliance, at the Las Vegas Strip. When it comes to supporting outliers in the Las Vegas community, Lexicon Bank knows how to play its cards. Name: Lexicon Bank. Photo by Sammy Tillery. Assets: $237.6

Las Vegas 129

Las Vegas Community Bank Community Wisconsin 129

Jeff For Banks

APRIL 4, 2024

And, according to some EDP students that are lenders, are turning to the shadow banking market that do not have deposit demands. Such as direct lending funds, and insurance companies. Shadow Banking refers to banking-like operations that take place outside of the mainstream banking industry.

Banking Trends 119

Banking Trends Trends Millennials Oregon 119

Independent Banker

MARCH 31, 2022

Executive committee members tell us what advocacy issues they’ll be focused on during their terms, while board members share their words of wisdom for up-and-coming community bankers: themselves. To sum it up, these leaders are all in and all heart for community banking. We are not Wall Street banks—we are community banks.

Community Bank 239

Community Bank Community Industry Texas 239

Independent Banker

AUGUST 26, 2015

Forming new business lines—if carefully planned and considered—can be a potentially significant way for a community bank to boost revenues and profits. But just as their upsides are significant, the downsides of new propositions for community banks can create more problems than opportunities.

Operations 70

Operations Community Bank Community Management 70

Independent Banker

MAY 25, 2016

Tax credits for Main Street lending. As a small urban community bank, North Valley Bank is increasingly challenged with heavily government-subsidized competition. In response, ICBA is promoting a new tax policy idea as part of its Plan for Prosperity regulatory-relief legislative package. Chuck Johnston.

Community Bank 70

Community Bank Taxes Lending Maine 70

Abrigo

MAY 5, 2022

Podcasts for Bank & Credit Union Execs & Staff Are Plentiful; Here Are 10 Good Ones These banking podcasts discuss current events, strategic and policy issues, competition, digitalization advice, and more. Lending & Credit Risk. Lending & Credit Risk. And all release a new episode at least monthly.

Community 195

Community Lending Maine Resources 195

Independent Banker

NOVEMBER 30, 2021

Experts say community banks can use education, biometrics and solid cybersecurity practices to fight this growing area of crime. Say a scammer calls a community bank customer and gains their trust by using information obtained from a major data breach. By Elizabeth Judd. Examples of remote authentication fraud.

Fraud 160

Fraud Strategy Community Bank New York City 160

Abrigo

JUNE 5, 2023

In addition, even before the recent banking troubles, regulators have emphasized the financial institution’s responsibility to provide leaders with information on key areas of planning, operations, and risk management. the Community Bank Leverage Ratio (CBLR) and the minimum Tier 1 leverage ratio).

Report 195

Report Risk Management Capital Data 195

Independent Banker

OCTOBER 31, 2021

The CARES Act extended the CECL implementation deadline for many larger community banks until the end of the COVID-19 pandemic. Community bankers tell us that while the extension is welcome, they’re already down the road to implementation. ICBA tells FASB CECL isn’t feasible for community banks. By Stephanie Vozza.

Community Bank 91

Community Bank Community Software New York City 91

Abrigo

OCTOBER 20, 2020

For John Hatfield, Senior Credit Officer at Millennium Bank, the ability to better understand the current economic environment and learn how other financial institutions are tackling banking challenges in the face of COVID-19 was paramount for his team. The “new normal” has also impacted the banking industry internally, too.

Management 195

Management Lending Community Strategy 195

PYMNTS

NOVEMBER 7, 2019

He was also a member of the executive committee at JPMorgan Chase and was president of SBC Communications (now AT&T). He will serve on the operating committee and report to Wells Fargo CEO Charles Scharf. “I He also served as BNY Mellon vice chairman and was a member of its executive committee.

Community 100

Community Community Bank Policies Operations 100

Independent Banker

FEBRUARY 24, 2016

Illinois bank launches insurance premium financing sideline. In an era of exceptional competition with tight interest margins, many community banks are attempting to tap new lines of business. Triumph Community Bank in Moline, Ill., billion-asset community bank operates. According to Aaron P.

Community Bank 70

Community Bank Policies Community Illinois 70

PYMNTS

NOVEMBER 7, 2019

He was also a member of the executive committee at JPMorgan Chase and was president of SBC Communications (now AT&T). He will serve on the operating committee and report to Wells Fargo CEO Charles Scharf. “I He also served as BNY Mellon vice chairman and was a member of its executive committee.

Community 100

Community Community Bank Policies Operations 100

CFPB Monitor

SEPTEMBER 21, 2020

Last week, the CFPB announced the appointment of new members to its advisory committees: Consumer Advisory Board (CAB), Community Bank Advisory Council (CBAC), Credit Union Advisory Council (CUAC), and Academic Research Council (ARC). Nikitra Bailey, EVP, Center for Responsible Lending (Durham, NC). Bank (Minneapolis, MN).

DC 78

DC Mississippi Washington Oklahoma City 78

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

Gonzobanker

FEBRUARY 8, 2022

COVID may have accelerated things, but talk of booster shots and workplace policies wasn’t the most striking contrast at AOBA 2022. Maybe instead of Acquire or Be Acquired, this conference should be called Evolve or Be Acquired,” observed Eric Sprink, CEO of Coastal Community Bank in Everett, Wash.,

Fintech 167

Fintech Customer Experience Conference Technology 167

Independent Banker

DECEMBER 31, 2022

We recently spoke with community bank CEOs from across the country to gain insights on how they’re proactively positioning to manage risks and take advantage of growth opportunities in the coming year. Following some respite in 2022, community bankers are bracing for a tougher economic landscape ahead in 2023. Corey Neil.

Community Bank 91

Community Bank Community Tampa North Carolina 91

Abrigo

APRIL 7, 2022

Community banks with small asset sizes might merge with other small institutions whose branches complement one another, and larger banks may acquire smaller ones whose services fit their offerings. In a perfect merger, both banks are compliant, risk-based, and consistent with each other’s policies and procedures.

Compliance 195

Compliance Policies Fraud Analysis 195

Independent Banker

NOVEMBER 30, 2021

We asked both leaders and staffers to tell us what makes their community banks stand out as employers. Key Community Bank: Leading by example. Key Community Bank. At the heart of Key Community Bank’s work culture is connection. Greg Dennis, Key Community Bank. “We

Community Bank 164

Community Bank Community Texas Leadership 164

Independent Banker

SEPTEMBER 22, 2015

Treasury program that’s the well-kept secret in small-business lending. Community banks are vital providers of small-business credit because of their extensive local market knowledge and deep customer relationships. In Illinois, a loan participation plan by a community bank “insourced” jobs to the local area from overseas.

Oregon 70

Oregon Illinois Community Bank Lending 70

Independent Banker

JANUARY 26, 2016

FASB awoke wide-eyed and astonished to the liberating truth that community banks played no role in either triggering or participating in the Wall Street financial crisis. The good news is that FASB’s unfortunate remarks could lead to a desperately needed wake-up call and policy turnaround. Imagine that? Let’s keep them there.

Community Bank 70

Community Bank Community Washington Policies 70

Independent Banker

MAY 24, 2016

Crop insurance “has a target on its back,” says Mark Scanlan, ICBA’s senior vice president for agriculture and rural policy. million farms and the community banks that lend to them each growing season, Scanlan points out. Community banks also are likely to see increased regulatory scrutiny of agricultural loans this year.

Community Bank 70

Community Bank Kansas City Community Iowa 70

Independent Banker

SEPTEMBER 25, 2014

This is particularly true for community banks preparing to undergo their next regulatory safety and soundness or compliance examination. Regulators and industry consultants agree that community banks are generally doing a great job handling their regulatory oversight and requirements. increased operational risks.

Compliance 101

Compliance Regulation Community Bank Community 101

Abrigo

NOVEMBER 9, 2022

With just weeks left to complete CECL implementation, how are banks and credit unions doing? How has CECL implementation impacted their operations and reserves for credit losses? CECL's impact on operations. For community banks specifically, they’re already reserving for a lifetime of credit losses,” he said.

Survey 195

Survey Software Resources Meeting 195

Independent Banker

SEPTEMBER 25, 2014

Few community banks have the luxury of ripping and replacing their entire compliance management strategy, leaving many executives on the hunt for practical tips. Complicated or not, one thing is certain: Community banks can’t afford to skimp on their compliance efforts. Reduce dependencies on hourly consultants.

Community Bank 105

Community Bank Compliance Community Resources 105

Independent Banker

SEPTEMBER 25, 2014

As a group, community banks spend substantial funds hiring outside consultants to help with various management functions, and a substantial share of dollars are spent to help oversee their risk management and compliance activities. Community banks often already have the expertise handy in-house, they say.

Community Bank 70

Community Bank Compliance Risk Management Community 70

Independent Banker

MAY 2, 2016

Although there have been many changes during the past 110 years, we believe our community bank’s founding families, of which many of those relationships still continue within our shareholder base, are proud of where we are today. Every customer will recommend the Bank of Old Monroe,” is a creed we operate by.

Community Bank 70

Community Bank Community Missouri Lending 70

Independent Banker

MARCH 15, 2015

The ICBA and community bank campaign to improve those rules has included a comprehensive study on their impact that was released before the CFPB announcement of its proposed changes, which are expected to be formally adopted. Of course, this community bank victory is not the result of just one survey.

Washington 70

Washington Community Bank Community Survey 70

Independent Banker

FEBRUARY 24, 2015

The ICBA and community bank campaign to improve those rules has included a comprehensive study on their impact that was released before the CFPB announcement of its proposed changes, which are expected to be formally adopted. Of course, this community bank victory is not the result of just one survey.

Washington 70

Washington Community Bank Community Survey 70

Independent Banker

AUGUST 31, 2021

This year’s winners: Left: Central Valley Community Bank, People’s Choice Award; Middle: Kennebec Savings Bank, Exceptional Community Bank Service Award; Right: Cross River Bank, Emerging Service Program Award. Exceptional Community Bank Service Award. Kennebec Savings Bank.

Community Bank 196

Community Bank Community National Fresno 196