Community Definition Lending Risk Management 
Jeff For Banks
JANUARY 26, 2023
I recently spoke to a community group, and subsequently a community bank all-staff meeting regarding the definition of a community bank. The FDIC has defined community banks in their December 2020 Community Banking Report that either exclude or include the following criteria: Seems complicated.
Abrigo
JULY 25, 2017
In a recent Sageworks webinar Robert Ashbaugh, senior risk management consultant at Sageworks, discusses High Volatility Commercial Real Estate (HVCRE) lending best practices. How did we get here? Ashbaughâs presentation begins with a quick summary of why regulators care about HVCRE.
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PYMNTS
NOVEMBER 17, 2017
Think of banking and you might think of lending and deposits, where firms make money on the spread between what they pay savers and what they take in from borrowers. The community banking model is based on customer relationships and the allocation of capital and extending loans. But banks cannot live on interest alone.
Abrigo
OCTOBER 6, 2017
During a Sageworks webinar on HVCRE risk management Rob Ashbaugh, senior risk management consultant at Sageworks, explained that clarifications on some of the murkier aspects of the HVCRE (high volatility commercial real estate) rule were anticipated by the industry.
CFPB Monitor
AUGUST 6, 2018
Aimed at “senior executives in banking organizations,” the Bulletin is published by the FRB’s Division of Consumer and Community Affairs with the intent to provide high-level summaries of various consumer protection issues and to enhance the transparency of the Federal Reserve’s consumer compliance supervisory program.
Jeff For Banks
NOVEMBER 7, 2015
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. In other words, be a General Bank.
Abrigo
JANUARY 11, 2022
Will ALM help financial institutions avoid risk? A textbook definition of ALM is managing the volume and timing of cash flows of assets and liabilities to increase profitability, manage risk, and maintain the safety and soundness of the financial institution. Lending & Credit Risk. What is ALM?
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