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.

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Operations Community Bank Community Management 70

Abrigo

APRIL 15, 2022

ALM & Measuring Liquidity Risk at Banks and Credit Unions Regulatory agencies expect financial institutions to manage liquidity risk using processes and systems commensurate with the complexity, risk profile, and scope of operations. What events could jeopardize our operational liquidity?

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Independent Banker

SEPTEMBER 25, 2014

Saving money by conducting inside risk management and compliance reviews. 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.

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Community Bank Compliance Risk Management Community 70

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). Tim Welsh, Vice Chairman Consumer and Business Banking, U.S. Bank (Minneapolis, MN).

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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

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. And all release a new episode at least monthly. Would you like other articles like this in your inbox?

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Community Lending Maine Resources 195

Independent Banker

MAY 24, 2016

This leaves federal crop insurance support as a key risk-management tool. However, the farm community already is being forced to defend even this scaled-back safety net. Crop insurance “has a target on its back,” says Mark Scanlan, ICBA’s senior vice president for agriculture and rural policy. Ongoing concerns.

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Community Bank Kansas City Community Iowa 70

Abrigo

JANUARY 29, 2016

Another benefit of having a loan-pricing policy or model is that it provides the institution with defensible measures for justifying pricing changes and for avoiding charges of discriminatory pricing , which some lenders have faced in recent years. They can be more competitive and better prepared for changes on the horizon.”

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Capital Philadelphia Policies Strategy 150

Independent Banker

JANUARY 28, 2016

As in past years, community bankers will have a dynamic regulatory environment to contend with in 2016. Safety and soundness concerns will remain a prominent driver of that supervisory dynamic for community banks. What should community banks anticipate here? IB: What are their concerns?

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Community Bank Community Regulation Lending 70

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.

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Management Lending Community Strategy 195

CFPB Monitor

SEPTEMBER 21, 2015

The CFPB announced the appointment of new members to its Consumer Advisory Board, Community Bank Advisory Council, and Credit Union Advisory Council. New members to the Consumer Advisory Board will serve three-year terms and new members to the Community Bank and Credit Union Advisory Councils will serve two-year terms.

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Groups Los Angeles San Francisco Community Bank 60

Independent Banker

NOVEMBER 25, 2015

Regardless of the name, nonbank technology firms are wedging themselves between community banks and their customers by offering a slew of traditional and nontraditional banking products. This is why ICBA and community banks must continue to push consistent regulation of bank and nonbank financial service providers.

Community Bank 70

Community Bank Community Analytics Lending 70

Abrigo

APRIL 22, 2024

The piece covers: The small business lending market and its role in communities and the economy Traditional depository institutions’ changing market share in small business lending The challenges (financial and operational) of small business lending for banks, credit unions, and borrowers. Louis Fed : [S]mall-business loans—i.e.,

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Lending St. Louis Community Marketing 243

Independent Banker

JULY 28, 2016

To make the CMS framework effective, every community bank needs to customize it in the context of its profile and performance. Just how can your community bank do all of those things? What is the bank’s asset size, and does that impose any special rules? What agency is our prudential federal regulator?

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Compliance Training Community Bank Regulation 70

Independent Banker

FEBRUARY 24, 2016

“I know that unnecessary regulation saps the strength of community banks.” Federal banking regulators are always alert to emerging safety and soundness issues. So our examiners will be vigilant in evaluating credit risk, and banks of all sizes should be as well. Curry, U.S. Comptroller of the currency.

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Community Bank Community Regulation Compliance 70

Independent Banker

DECEMBER 13, 2015

Even if you’re not required to use either version of the Cybersecurity Assessment, beta users say it can help your community bank gauge its cybersecurity risks and ultimately guard against cybercrime. At the Bank of Luxemburg, a $290 million-asset community bank in Luxemburg, Wis., Real-world testing. “I

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Tools Community Community Bank Security 70

Independent Banker

NOVEMBER 24, 2015

Even if you’re not required to use either version of the Cybersecurity Assessment, beta users say it can help your community bank gauge its cybersecurity risks and ultimately guard against cybercrime. At the Bank of Luxemburg, a $290 million-asset community bank in Luxemburg, Wis., Real-world testing. “I

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Tools Community Community Bank Security 70

Jeff For Banks

MARCH 5, 2022

At the same time as Fed tightening, the fiscal policy of handing out “free money” has apparently ended and the consequential explosion of demand will abate. People know the “free money” and easy Fed policy were certainly not “free” and they are paying the price with inflation. Fed policy also works with a lag of six to nine months.

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Marketing Policies Community Bank Community 78

Gonzobanker

APRIL 28, 2016

According to Cornerstone Advisors research , roughly six in 10 community bank and credit union CEOs are concerned with the regulatory burden. We are hopeful that community banks will also pursue efforts to communicate the real cost of regulatory burden to our friends in Washington.

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Regulation Management Community Bank System 60

Jeff For Banks

JULY 8, 2017

Janet Yellen, like Ben Bernanke before her, is using the Phillips curve to shape policy. Recently, we have seen ransomware virtually cripple company’s networks and Internet access, as criminals exploit vulnerabilities in Microsoft’s Windows operating system. In this environment, it has been an achievement for our economy to grow at 2%.

Marketing 60

Marketing Community Bank Security Data 60

Abrigo

MARCH 31, 2017

Commercial real estate lending continues to receive regulatory scrutiny and reminders for financial institutions to practice solid risk management. FDIC officials in March outlined several types of weaknesses in loan underwriting, administration and oversight practices that are emerging at some banks with CRE portfolios.

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FDIC Risk Management Analysis Lending 186

Gonzobanker

DECEMBER 17, 2021

Union has been a stalwart of the California marketplace since the ’50s, and this gives Andy Cecere and team a great expansion into the Golden State and also some nice wholesale banking business. Lots of tech and operations to clean up, it appears, but no solid bank is better qualified than the team from Minneapolis. You tell us.

Fintech 147

Fintech Strategy Leadership Lending 147

Abrigo

JULY 28, 2021

Community financial institutions required to complete the current expected credit loss (CECL) standard implementation by 2023 are undoubtedly busy managing record-low net interest margins, pandemic-related uncertainties, and operational issues, as well as their own strategic initiatives. Portfolio Risk & CECL.

Resources 195

Resources San Antonio Data Regulation 195

Abrigo

SEPTEMBER 14, 2022

What banks need to know as the CFPB gets closer to its final rule Banks, credit unions, and other creditors may be required to collect more data for each application under a new rule. You might also like this webinar: "Fortify Your Loan Policy to Effectively Manage Credit Risk." Credit Risk Management.

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Lending Data Regulation Community 195

Gonzobanker

DECEMBER 14, 2023

Not the financial industry’s “Troublemakers ” – those regional and community banks, credit unions and supporting fintech entrepreneurs who continue to engage customers and communities and find niches that keep the grassroots of our country’s financial system alive and kicking. The poor payroll and benefits coordinator!

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Fintech Community Regional Technology 195

Fintech Labs Insights

SEPTEMBER 1, 2015

Advisor Software is a Cloud provider of sophisticated wealth management and digital investment advice APIs and apps for financial services enterprises. Alfa-Bank offers a wide range of products and operates in all sectors of the financial market, including corporate and retail lending. Blockstack.io

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Company Software Analytics Mobile 12