Independent Banker

FEBRUARY 28, 2023

By Jim Reber, ICBA Securities As many community bankers are still picking up the pieces from their bond portfolio’s meltdown last year, it occurs to me that the breathtaking rise in rates has created at least one byproduct that is both unusual in frequency and tangibly beneficial for future performance. on issue date each month.

Community Bank 91

Community Bank Memphis Community Security 91

Abrigo

MAY 8, 2024

How banks and credit unions use genAI today Short supporting copy. You might also like this webinar, "The check's in the mail: Understanding and preventing check fraud." GenAI use case for fostering relationship banking Abrigo client BAC Community Bank in Stockton, Calif. Introduce key takeaway below.

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Examples Fraud Resources Risk Management 221

Independent Banker

NOVEMBER 30, 2021

Here’s another conversation with our consummate community banker. By Jim Reber, ICBA Securities. Hi Jim, this is Charlie Brown with Community Trust Bank. How are things at the community bank?”. “I Vining Sparks’ Marty Mosby presents his quarterly Bank Advisory and Strategic Services webinar on Dec.

Community 126

Community Community Bank Taxes Security 126

Abrigo

AUGUST 31, 2023

From a security standpoint, forcing customers into Western nomenclature can lead to missed OFAC specially designated nationals (SDN) list matches, and open-source information searches could be lost or overlooked. For example, form letters often filter information from core systems, automatically assigning “Mrs./Mr./Miss”

Compliance 195

Compliance Community Training System 195

Abrigo

APRIL 23, 2020

During a webinar hosted by Abrigo, Walter Lara-Figueroa, a Lender Relations Specialist from the North Carolina District Office of the SBA, said lenders should plan to book loans very soon after President Donald Trump signs the bill approving new funding. Ready, set, E-Tran. I’m sure they’ll have some type of software to track that,” he said.

Lending 221

Lending Los Angeles North Carolina Community 221

Abrigo

APRIL 10, 2017

In a recent Sageworks webinar , Ancin Cooley of Synergy Credit Union Consulting took a deep dive into five areas that credit unions interested in growing their MBL portfolios need to be aware of in order to effectively manage risk in the MBL portfolio. Next, Ancin moved into a discussion of the current regulatory environment around MBL.

Regulation 150

Regulation United States Lending Community Bank 150

Abrigo

JULY 10, 2020

Community banks and credit unions partnered with their communities to help families and businesses through these unprecedented times , causing spikes in consumer fraud that must be faced head on. To zero in on suspicious activity, typologies can be used to more accurately assess behaviors. C&I Loans. SBA Lending.

Fraud 195

Fraud Lending Software Analytics 195

Abrigo

APRIL 7, 2022

Experts answer CECL questions from 2023 adopters Participants in Abrigo's CECL Kickstart webinars asked consultants their questions leading up to the 2023 CECL implementation date. Takeaway 1 Financial institutions brought practical questions to Abrigo consultants during the CECL Kickstart webinar. . Watch Webinar/Download.

Policies 195

Policies Data Examples Lending 195

Abrigo

APRIL 7, 2022

You might also like this webinar, "Mergers & Acquisitions in a CECL Environment." 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. CECL Accounting. Learn More.

Compliance 195

Compliance Policies Fraud Analysis 195

Abrigo

MARCH 13, 2023

Much attention has been placed on the sale of the securities portfolio at a loss and if that move itself was causal. Not having any knowledge of the bank’s actual practices or internal discussions, I am relegated to supposition. But the interest rate risk hit this bank in the decline in the securities portfolio.

Strategy 195

Strategy Lending Security Analysis 195

Abrigo

FEBRUARY 12, 2020

CRE loan growth at community banks has been outpacing noncommunity banks, both in the quarter and over the last year, according to the FDIC’s latest Quarterly Banking Profile. . Loans for life insurance companies increased 5%, and government-sponsored entity (GSE) originations fell 1%. CRE Lending. Learn More.

Lending 195

Lending Trends FDIC Survey 195

Abrigo

MAY 22, 2024

As a share of their total assets, community banks have more business loans below $1 million than larger banks, according to numbers from the St. When a small business owner can upload supporting documents securely anytime from anywhere, the bank or credit union spends less time chasing documents.

Lending 195

Lending St. Louis Community Marketing 195

Abrigo

APRIL 22, 2024

As a share of their total assets, community banks have more business loans below $1 million than larger banks, according to the St. When a small business owner can upload supporting documents securely anytime from anywhere, the bank or credit union spends less time chasing documents.

Lending 243

Lending St. Louis Community Marketing 243

CFPB Monitor

FEBRUARY 28, 2017

The ABA observes that while larger institutions have the resources to develop secure portals and the ability to impose privacy and data security requirements through contractual provisions negotiated with aggregators, community banks typically lack the resources to negotiate directly with aggregators. to 1:00 p.m.,

Resources 60

Resources Data Security Community Bank 60

Independent Banker

JULY 31, 2022

The financial press, economic commentators and social media sites have used a collection of terms this year that convey a certain image of market values for investment securities: “Plummet.” Community bankers have come to grips with the notion of their bond portfolios being, ahem, “submerged” in a number of ways. Underwater.”

Memphis 103

Memphis Community Security Community Bank 103

Abrigo

MAY 11, 2020

When they’re finally thinking about doing something financial, the bank isn’t open,” Koch said. Some customers have been frantically trying to secure a Paycheck Protection Program (PPP) loan, which has left borrowers and lenders working through the night and early in the morning to submit their applications. Lending & Credit Risk.

US 195

US Lending Community Technology 195

PYMNTS

APRIL 8, 2020

financial institutions as they scrambled to apply for Paycheck Protection Program (PPP) loans under the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Lendio already secured its approval to facilitate PPP loans, the alternative lender said, noting that small businesses can now apply for a PPP loan on the Lendio platform.

Lending 245

Lending Fintech America Technology 245

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. the Community Bank Leverage Ratio (CBLR) and the minimum Tier 1 leverage ratio). They help manage and shape strategy in volatile economic and industry conditions.

Report 195

Report Risk Management Capital Data 195

Abrigo

MAY 5, 2022

Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S. or largely focused on the domestic banking market. So here’s your head start on finding some banking podcasts that might work for you. Check them all out in our Knowledge Center. Learn More.

Community 195

Community Lending Maine Resources 195

South State Correspondent

MARCH 15, 2023

Now, customers and analysts will pay more attention to Loans + Securities-to deposit ratio. Instead of just looking at LTD, investors, and depositors, will now look at loan plus securities to total deposits. The ratio would provide a bank’s current core capital position to risk-adjusted assets.

social media 195

social media FDIC Branding Management 195

Abrigo

APRIL 14, 2020

What we have now is not a series of less secure banks being hit with losses, but rather strong banks and borrowers having to adapt to a sudden change in overall economic activity. This flow of repayments is the major source of “liquidity” in the community banking system. Build a strong and affordable funding plan.

Community 195

Community Lending Meeting Marketing 195

Independent Banker

JULY 30, 2015

Lindsay LaNore is responsible for ICBA’s new Community Banker University. She leads a team that works to identify, develop and offer courses that meet community banks’ educational needs. Her role is to make certain that relevant education is provided in a responsive manner to all community bank members. “I

Resources 70

Resources Tools Community Bank Conference 70

Abrigo

MAY 21, 2020

The PPP forgiveness process is a major concern among community financial institutions. The application says eligible non-payroll costs “must be paid during the Covered Period or incurred during the Covered Period and paid on or before the next regular billing date, even if the billing date is after the Covered Period."

Lending 195

Lending Community Report Resources 195

CFPB Monitor

AUGUST 21, 2018

The report raises a number of issues with screen scraping while promoting the benefits of application programming interfaces (APIs) “that allow for the inclusion of robust security features, greater transparency and access controls for consumers, improved data accuracy, and more predictable and manageable information technology costs.”

Data 84

Data Report Regulation Security 84

Independent Banker

JULY 29, 2016

These in-depth and timely professional development programs are designed exclusively for community bankers and led by nationally recognized industry experts who know the issues community banks grapple with. Each certification course is designed to prepare bank professionals to handle essential tasks and responsibilities.

Minneapolis 70

Minneapolis Community Bank Community San Antonio 70

Abrigo

APRIL 8, 2020

On March 27, President Donald Trump signed the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) to provide emergency assistance for those affected by the coronavirus pandemic. Consumers and small businesses have long relied on community banks and credit unions and now is no different. Learn More. Learn More.

Compliance 195

Compliance Lending Fraud Community 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."

Lending 195

Lending Data Regulation Community 195

FICO

NOVEMBER 29, 2018

Other programs are available to businesses to find investors, conduct R&D or to secure bonding. The programs and NAGGL event attract mostly community banks and credit unions across the US because the SBA is known for connecting businesses with their local providers. Or visit our website.

Community 67

Community Community Bank Policies Leadership 67

Abrigo

MARCH 24, 2021

Growing loans, earnings are banks' top challenges in 2021. The top banking challenges in 2021 are growing loans and earnings, according to Independent Banker’s recent 2021 Community Bank CEO Outlook survey. Top Banking Challenges: Finding Growth in 2021 and Beyond. C&I Loans. Lending & Credit Risk.

Lending 221

Lending Technology Survey Examples 221

South State Correspondent

OCTOBER 4, 2023

Having to pay near SOFR rates will give you a false sense of security, cost you more in the long run, and slowly erode franchise value. Few banks purchase the keyword, and fewer even produce organic content about the importance of businesses establishing an emergency reserve account funded by six months of operating expenses.

Marketing 195

Marketing Taxes Training Management 195

FICO

MAY 6, 2020

We will soon see who wins this race between community banks and big banks. Greg and the lending team at The Piedmont Bank are watching an SBA educational webinar when the host announces that the PPP application is available online. The big banks are using automated systems to enter applications into E-Tran.

Community 52

Community Community Bank Lending System 52

Gonzobanker

DECEMBER 22, 2015

Community bank marketing resources. With market opportunity heating up and big bank and big credit union competitors hitting hard, too many community banks lack marketing resources … or they have 2X more spending in sponsorships than the campaigns, analytics and digital sales improvements that actually bring in new business.

Community Bank 60

Community Bank Apple Community Technology 60