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How Federal Debt May Impact Banking

South State Correspondent

Furthermore, high federal government debt does not just lead to higher interest rates but also poses economic, national security, and social challenges. Federal Debt – Impact Banking The path of the federal debt is already changing economic and public dynamics. With time, these changes will only amplify.

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Fair Value Accounting for Loans

South State Correspondent

Nonetheless, with the recent collapse of sizeable regional banks, regulators, investors, analysts, accountants, and bankers are now scrutinizing the fair value of bankssecurities and loan portfolios. This development should strongly motivate community banks to consider the benefits of loan-level hedging.

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How to Practice Loan Pricing Discipline

South State Correspondent

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. This is strong evidence that community banks are pricing to an arbitrary minimum credit spread in this set of loans.

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Compliance changes to watch in 2023

Independent Banker

While the pace of bank regulatory changes has diminished from a few years ago, several issues will either become effective or likely develop in 2023. Community banks must continue to stay focused on regulatory discussions and remain nimble to respond to proposals and address requirements quickly and accurately. Evolving risks.

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Data privacy: How to keep customer data safe

Independent Banker

But as the prevalence of security breaches grows, so do the opportunities for community banks to position themselves as guardians of their customers’ personal data through compliance, technology and relationship building. Data privacy and security is a hot topic and is only getting hotter. By Katie Kuehner-Hebert.

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10 Top Banking Podcasts You Should be Listening to

Abrigo

Thankfully for bank and credit union executives, lenders, risk managers, and Bank Secrecy Act (BSA) Officers, banking podcasts and podcasts for credit unions are plentiful, and options are growing. BankTalk BankTalk by Remedy Consulting posts twice-a-month episodes for both banks and credit unions.

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The Niche Bank

Jeff For Banks

Me to a community banker: Why don't you offer more options than real estate secured lending to help fund early stage businesses? Banker: Because that's not community banking. I've been in this business over 20 years and still don't know the definition of community banking. I've got news for you.