Jeff For Banks

APRIL 12, 2018

When I first read Standards Needed for Safe, Small Installment Loans from Banks, Credit Unions by the Pew Charitable Trusts that encouraged financial institutions to get back into small ticket consumer lending, I thought “what are they nuts!” So why would banks expand small-ticket, unsecured personal lending?

Lending 60

Lending Resources Community Metro 60

Independent Banker

OCTOBER 24, 2016

The National Credit Union Administration’s irresponsible power play earlier this year to ignore the explicit member business lending limits Congress has set for credit unions could not be ignored. percent-total-asset cap on credit union commercial lending that Congress purposefully put in place. Supreme Court if necessary.

Community Bank 70

Community Bank Community Lending Regulation 70

Independent Banker

JANUARY 26, 2016

The provision will ultimately provide thousands of community banks a reduction in deposit-insurance premiums of up to 30 percent. Without the proposal’s provision protecting most community banks from higher assessments, banks under $10 billion in assets may not have seen any rate decreases until the DIF reserve ratio reached 1.35

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FDIC Community Bank Community Lending 70

Independent Banker

JULY 30, 2015

The Independent Bankers Association of New York State has been actively advocating for several initiatives to enhance community banking and the communities and customers our members serve. These increased burdens and costs have had an impact on the number of community banks.

Community Bank 70

Community Bank New York Community Taxes 70

Independent Banker

DECEMBER 13, 2015

Troy Peters, Jonestown Bank & Trust Co. Competition and regulatory risk in car lending race off. 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. Considering exiting auto lending.

Community Bank 70

Community Bank Lending Community Security 70

Independent Banker

NOVEMBER 24, 2015

Troy Peters, Jonestown Bank & Trust Co. Competition and regulatory risk in car lending race off. 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. Considering exiting auto lending.

Community Bank 70

Community Bank Lending Community Security 70

Jeff For Banks

JUNE 2, 2023

The old borrow short, lend long strategy. I want to read to you the FDIC’s conclusion from their An Examination of the Banking Crisis of the 1980’s and Early 1990’s. In this regard, the bank regulatory agencies need to remain politically independent. Third, the regulators need adequate financial resources.

FDIC 78

FDIC Community Bank Regulation Lending 78

PYMNTS

APRIL 30, 2018

Eighty-three percent of SMBs said they don’t completely understand the new tax law and how it will impact their business, according to the National Association for the Self-Employed. More than 90 percent of survey respondents said they feel the government did not adequately prepare the small business community for the new tax code.

Taxes 144

Taxes America National Community 144

Jeff For Banks

APRIL 25, 2015

If a de novo starts with $15 million of capital, its largest possible lending relationship is $2.2 So the bank necessarily hunts for smaller relationships. I'm also skeptical that small community banks in general are financing startup businesses.

FDIC 60

FDIC Capital Community Bank Lending 60

Independent Banker

SEPTEMBER 22, 2015

Avoiding potential lending hazards from regulatory flood-insurance requirements. Both of these laws pointedly changed the National Flood Insurance Program requirements over which of the banking agencies have jurisdiction. At first blush, this new general rule might provide for considerable fear among compliance and lending personnel.

Regulation 70

Regulation Policies Community Bank Taxes 70

Independent Banker

MARCH 15, 2015

Thoughtful lending and an open mind keep profits strong for incoming ICBA chairman Jack Hartings. The Peoples Bank Co. While out-of-town lenders gave money to customers requiring no down payments to buy overpriced homes that they couldn’t afford, Hartings, the president and CEO of The Peoples Bank Co. By Kelly Pike.

Ohio 70

Ohio Community Bank Community Lending 70

Independent Banker

AUGUST 26, 2015

Legally and operationally, digital John Hancocks come of age in lending. Electronic signatures “absolutely” have helped PrivatePlus Mortgage expand its residential mortgage lending reach nationwide, says Lia Webster. Community banks and their customers don’t need to be concerned about the legality of digitally signed documents.

San Francisco 70

San Francisco Lending System Atlanta 70

Gonzobanker

DECEMBER 17, 2021

million gets the vaunted consumer lender a much-prized bank charter, low-cost deposits to juice current earnings, and a business lending capability to drive future growth. Goes to Larry Mazza and the crew at MVB Bank in West Virginia. Goes to Eric Sprink, Coastal Community Bank , Everett, Wash. 82% to over 2.3%

Fintech 147

Fintech Strategy Leadership Lending 147

Gonzobanker

DECEMBER 19, 2017

One word can summarize this action-packed banking year, GonzoBankers – tiring. Heavy-handed regulators. THE BANKING AWARDS. Rainbolt has quietly built a community bank in the past 20 years that is closing in on $2 billion of market cap. GonzoBanker of the Year – Large Banks. At a banking conference.

Conference 101

Conference Industry Community Bank Community 101

South State Correspondent

JULY 25, 2022

We have poured through the recent 2Q earnings releases, spoken with a rash of institutional bank investors, traded thoughts with analysts, and compiled the following list of concerns that bank stakeholders (employees, shareholders, vendors, and regulators) now have. Top Line Revenue & Lending. and beyond.

Trends 195

Trends Lending Marketing Capital 195

Abrigo

OCTOBER 20, 2016

Technological innovation has enabled FinTech start-ups to compete in a field previously dominated by banks and credit unions. At the same time, early adopters of new technologies, like mega banks, are edging out community banks and credit unions in the fight for customers and creating a rapidly consolidating industry.

Software 150

Software Lending Community Bank Taxes 150

Independent Banker

JULY 29, 2016

Around the Table—Wisconsin community bankers work with legislative staff members on Capitol Hill during ICBA’s Washington Policy Summit. Keeping community banking interests front and center. 812) and the Community Bank Access to Capital Act (H.R. Any community banker is welcome and encouraged to attend.

Community Bank 70

Community Bank Community Washington FDIC 70

Independent Banker

DECEMBER 28, 2015

This upcoming year has a lot of good in store for our industry, because ICBA continues to pursue even more successes for community banks nationwide. Also, several beneficial regulatory-relief provisions from ICBA’s Plan for Prosperity on exam cycles, privacy notices and mortgage lending were enacted. Let’s leverage that.

Community Bank 70

Community Bank Washington Community Ohio 70

Independent Banker

JULY 8, 2015

Absent Congress actively changing the law, however, the Supreme Court has issued a decisive opinion that sets an important precedent on the disparate-impact issue for community banks and the rest of the financial services industry. The case in question— Texas Department of Housing and Community Affairs v.

Washington 70

Washington Policies Community Community Bank 70

South State Correspondent

JUNE 13, 2022

One morning, President Trump tweeted his desire for an additional tax on all foreign-owned companies operating in the US. Instantly, the cash flow for those businesses that many community banks lent to is impacted. For example, let’s go back to our convenience store (c-store) lending example.

Risk Management 195

Risk Management Examples social media Management 195

Fintech Labs Insights

AUGUST 1, 2016

Bankjoy offers developers a banking API for a modern, real-time, holistic interface for credit unions and community banks. LendingFront’s lending platform leverages a cloud-based system that furnishes small businesses with capital using their cashflow data.

How To 12

How To Analytics Millennials Data 12

Gonzobanker

FEBRUARY 7, 2018

Nothing seems to put a bounce in a banker’s step more than a tax break and regulatory relief, and this bountiful energy was radiating at Bank Director’s annual “mecca” for bank M&A in Phoenix last week – Acquire or be Acquired. For those in the know – simply AOBA. 2: The Bulls.

Taxes 76

Taxes Video Analytics Arkansas 76

Gonzobanker

DECEMBER 20, 2018

Despite some controversy about the deal bidding structure, the point is that MB got close to $5 billion for the franchise and locked in an exchange rate before the bank equity market softened. Bank Purchase of the Year. CVB Financial acquires Community Bank. Write articles about helping people with taxes or something.”

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Fintech Conference Innovation Community 105

Jeff For Banks

FEBRUARY 3, 2017

Third, the explosion in regulations over the past eight years has served to hinder businesses, especially new small business formation, and has drained valuable resources as compliance costs soared. He has promised the elimination of many regulations that are strangling businesses.

Marketing 60

Marketing Taxes Regulation US 60

Independent Banker

FEBRUARY 16, 2015

Sherrod Brown (D-Ohio), two lawmakers tapped to lead the Senate Banking Committee for their respective parties, are both independent-minded senators who hold positive views on several priority community banking issues. Richard Shelby (R-Ala.) So I would say he’s open to things we are concerned about.”.

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Community Bank Alabama Ohio Community 70