Independent Banker

DECEMBER 31, 2019

Lucky for us, community bankers know a thing or two about staying the course. From successes in getting the Federal Reserve involved in real-time payments to our ongoing efforts to wake up Washington to credit union injustices, we are present, committed and confirmed in our efforts to level the playing field for community bankers.

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South State Correspondent

APRIL 23, 2023

Analysts, regulators, legislators, and bankers have been attributing the root cause of SVB’s failure in the past month. Some blame the dilution of the Dodd-Frank provisions, others the lack of oversight by regulators, and others still blame social media for exacerbating the deposit run.

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South State Correspondent

APRIL 19, 2023

Focusing on uninsured deposit performance is a hot topic among investors, analysts, and regulators. While every bank is now tracking the general metric, only a few banks monitor deposit performance in the category. We also want to note that a money market account’s performance is representative of a bank’s deposit base.

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Jeff For Banks

APRIL 4, 2024

Shadow Banking refers to banking-like operations that take place outside of the mainstream banking industry. Shadow bank lending is similar to bank lending but is not subject to the same regulations, and compensating deposit balace requirements. Office buildings are emptying around the U.S.,

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Independent Banker

SEPTEMBER 30, 2020

The lengths to which community bankers have gone in support of their customers is nothing short of heroic. Virtual Community Banker University courses provide education and training around timely topics, including emerging regulatory issues. Community bankers do not stand idly by and contemplate what’s next.

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Abrigo

DECEMBER 31, 2019

Key Takeaways The most popular blog posts on the Abrigo site reflect many of the priorities community banks and credit unions had in 2019. Top blog posts reflect bank, CU priorities. As 2019 winds down, community banks and credit unions have worked hard to attract new customers and members and to retain existing ones.

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Jeff For Banks

JANUARY 27, 2011

I was at a strategic planning retreat a few weeks back where a colleague lauded the concept of bankers getting back to plain vanilla community banking. But if you read or watch interviews of CEOs of community FIs from 2008 forward, you will be bombarded with the message that they didn''t engage in the things that led to the collapse.

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South State Correspondent

OCTOBER 26, 2023

As can be seen, the conference largely revolved around payments, artificial intelligence, fintech partnerships/management, regulation, and fraud/identity in its various forms. However, of course, it was generative AI that remained at the peak of the hype cycle. Below is a breakdown of all 300 sessions, less the demos and sales pitches.

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Independent Banker

JANUARY 31, 2023

Illustration by Maïté Franchi With educational sessions on hot‑button issues, inspirational speakers and beneficial networking opportunities, ICBA LIVE is the greatest community banking event in the country. Everyone leaves the event with new information in hand to put into action back at their bank.” New connections.

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Independent Banker

APRIL 30, 2018

I am proud of what ICBA has accomplished over its 88-year history and optimistic about what the future holds for community banks. I’m honored to be part of that future and look forward to leading ICBA as we write the next chapter of the community bank story. Now, the future is ours for the taking. Mission: Flourish.

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Independent Banker

JULY 28, 2016

Senate Banking Committee. She explained why lawmakers should exempt community banks from Basel III capital rule. Community bankers score big changes in final credit-loss standard. To their credit, federal regulators have already showed they are on board with the approach laid out in FASB’s final standard.

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Independent Banker

JULY 29, 2016

The demand for professional development opportunities for community bankers has never been greater. Last year Community Banker University’s eight certification programs provided more than 4,000 community bankers with highly tailored training.

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Abrigo

DECEMBER 2, 2021

Indeed, deposit levels to transaction accounts among community banks exploded 74% to $896.5 31, 2019, and June 3, 2021, according to the Community Banking in the 21st Century report. During the pandemic, fraud activity has increased, and fraudsters have found new ways to scam bank customers and credit union members.

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Abrigo

JUNE 11, 2021

Takeaway 1 Regulators stress sound risk management practices that include the ability to identify and measure interest rate risk (IRR). Regulators have repeatedly stressed the importance of sound risk management practices that include the ability to identify and measure interest rate risk. EVE Analysis.

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Independent Banker

FEBRUARY 24, 2016

Regulators warn once again about rising CRE concentrations and risks. Just about every community bank makes commercial real estate loans. A whopping 95 percent of ICBA members are active commercial real estate (CRE) lenders, according to the latest ICBA Community Bank Lending Survey. By Howard Schneider.

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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.

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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. IB: What safety and soundness issues are the regulators watching out for this year?

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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.

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Independent Banker

MAY 24, 2016

For example, the accounting standard will now be crystal clear that community banks can forgo certain unnecessary or inappropriate disclosures. They avoid what otherwise would have become seriously unworkable accounting requirements for community banks. Of course, public policymaking never ends. Reach Camden R.

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Independent Banker

DECEMBER 29, 2015

Community bankers offer real-world reasons for more Basel III relief. Nearly one year after the Basel III capital rules went into effect, community bankers say that now recognize just how much more complex and how much more difficult this new set of capital rules will make life and business for them if they remain in place.

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Independent Banker

SEPTEMBER 21, 2015

imberly Anderson, senior vice president and chief administrative officer of Cañon National Bank in southern Colorado, became her community bank’s loan compliance officer in 2003. In early 2004, examiners visited her $253 million-asset bank, an experience that revealed a need—someone with a stronger compliance background.

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Independent Banker

AUGUST 31, 2016

E-signature is a hot technology now in the industry; many community banks are adopting the technology to keep pace with consumer demographic preferences. If your community bank hasn’t already looked into using e-signatures, now is a good time to start. By Mark Pfeifer. in the required locations.

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Independent Banker

FEBRUARY 16, 2015

These reforms—one enacted by Congress, another by regulators—are designed to improve access to capital and to even reporting requirements for community bank and thrift holding companies. Of course, this flurry of activity did not originate in a vacuum. Here’s what these changes mean for our industry. New year, new law.

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Independent Banker

SEPTEMBER 30, 2021

In this feature, we’ll look at a number of ways you can continue to build trust—an especially crucial task as the pandemic continues, telecommuting persists and consumer banking practices evolve. But for most community banks, building a trustworthy brand isn’t a conscious effort. billion-asset community bank.

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Independent Banker

SEPTEMBER 21, 2015

Under the right circumstances, providing residential mortgages that fall outside of the new federal Qualified Mortgage definition could help a community bank grow its lending, some community bankers say. a $613 million-asset community bank serving central and northern Wisconsin that engages in non-QM lending.

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Independent Banker

SEPTEMBER 26, 2014

That is why we are calling on regulators to make the most of the latest mandatory review of federal banking rules. The agencies are required to study their regulations for dead weight every 10 years under the Economic Growth and Regulatory Paperwork Reduction Act of 1996. Community Bankers Chosen as CFPB Advisors.

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Independent Banker

FEBRUARY 24, 2016

As in past years, community bankers will continue to contend with a dynamic, highly competitive lending environment in 2016. Mark Vis, a real estate and commercial loan officer with First State Bank Southwest, a $250 million-asset community bank in Worthington, Minn., Photo by Getty Images / Henrik Sorensen.

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FICO

JUNE 15, 2020

The COVID-19 pandemic and associated economic downturn have reinforced the following belief – having fewer community banks during a crisis hurts consumers and small businesses. And it wouldn’t have happened without community banks. banking assets) approved nearly 20% of loan dollars. The Value of Decentralization.

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FICO

JUNE 15, 2020

The COVID-19 pandemic and associated economic downturn have reinforced the following belief – having fewer community banks during a crisis hurts consumers and small businesses. And it wouldn’t have happened without community banks. banking assets) approved nearly 20% of loan dollars. The Value of Decentralization.

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Independent Banker

FEBRUARY 24, 2015

Carly Fiorina, former CEO and chair of Hewlett-Packard, is a keynote speaker at ICBA’s Community Banking LIVE conference in Orlando. A keynote speaker for ICBA’s national convention, Community Banking LIVE 2015, this month in Orlando, Fla., Of course, community banks have a set of challenges that I didn’t face.

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PYMNTS

JANUARY 22, 2018

The regulators have been looking at cryptocurrency operators – and in the United States, at least, are firing shots across the regulatory bow. In addition, the regulator charged, the three operators broke laws governing commodity trading. It may be too early to tell just what the impact of PSD2 and Open Banking might be.

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Independent Banker

MAY 26, 2016

The so-called TRID rule took effect last fall, of course, and has since been the bane of many mortgage and compliance officers on Main Street. Whoever proposes any new regulations should first have to personally apply their proposals in a real-world bank setting.

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Independent Banker

OCTOBER 14, 2014

When Community Bank of Bergen County unveiled its online mortgage hub this summer, the bank put “ease of use” at the top of its goals for the site, says President and CEO Peter Michelotti. “I Sam Vallandingham, president and CEO of The First State Bank in Barboursville, W.Va., Hubs of Opportunity. By Elizabeth Judd.

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Independent Banker

SEPTEMBER 21, 2015

Compliance experts say that by planning ahead, reviewing current compliance status and risks, using technology when needed, and staying up-to-date with training, community banks can indeed weather the storm of regulatory exams and come out fine on the other end. So what can a community bank with limited resources do?

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PYMNTS

SEPTEMBER 25, 2019

Commercial banks make up the greatest share of core/IT-enabled FIs at 30.9 percent for community banks. Innovation can mean different things to different businesses, of course. FIs that have confidence in both their core and IT systems are less likely than other banks to perceive innovation barriers across the board.

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PYMNTS

APRIL 8, 2016

The firms can be classified, said Cordray, along the lines that would include payday lenders who make sure to conform to the aforementioned rule once it is put in place and community banks or credit unions that broaden their reach into alternative lending products. In other words, batten down the hatches, ye FinTech upstarts. ​.

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Jeff For Banks

FEBRUARY 4, 2023

Overall, the US economy is on a path of recovery, but the pace and strength of the recovery will depend on the course of the pandemic and the success of vaccination efforts. Additionally, the implementation of new policies by the government, such as changes to taxes and regulations, could also influence economic outlook.

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