Abrigo

APRIL 21, 2020

Steve Domine, President of Minnesota Community Banking and Senior Vice President of Lending at Stearns Bank, explained during a recent Independent Community Bankers of America (ICBA) webinar that his bank sought both inside and outside counsel to understand the SBA rulings.

Lending 195

Lending Capital Minnesota FDIC 195

NCR

AUGUST 31, 2016

An improving housing market is creating opportunities for banks to expand into residential finance, as mortgages are a readily creatable asset that can generate significant profit. The FDIC has issued several Financial Institution Letters (FILS) regarding third party risk that addresses offshoring risk.

Community Bank 49

Community Bank Community Guidelines Compliance 49

Abrigo

SEPTEMBER 5, 2023

As the FDIC said recently: Exceptions to policy should be few in number and properly justified, approved, and tracked. If actual practices vary materially from the written guidelines and procedures, the source of this discrepancy should be identified, and either actual practices or the written policy should be changed.

Policies 195

Policies Lending Risk Management Examples 195

Jeff For Banks

MAY 20, 2017

and New York Community Bancorp called off their planned merger. Both institutions were over the CRE concentration guidelines, so putting them together would exasperate this risk, so the regulatory thinking must have been. They need a marketing person to title their reports. We perform this service for dozens of community banks.

Lending 60

Lending Regulation Community Community Bank 60

Jeff For Banks

JULY 16, 2011

In the post, Mr. Johnson states "The problem is that some community banks do not have big enough loss-absorbing buffers — the role that bank equity plays." In the post, Mr. Johnson says, "If we had any kind of free market in banking, you would expect banks to have equity funding of at least 30 percent of total assets."

Capital 66

Capital FDIC Guidelines Regulation 66

Jeff For Banks

MARCH 29, 2014

The Bank offers a wide range of deposit services including demand deposits, regular savings accounts, money market accounts, individual retirement accounts, and certificates of deposit with fixed rates and a range of maturity options. We believe we can effectively compete as a community bank in our market area and the niche markets we serve.

Strategy 101

Strategy Texas San Antonio Fort Worth 101

CFPB Monitor

OCTOBER 13, 2020

The Independent Community Bankers of America, a trade association representing community banks, endorses the clear, unambiguous standard set forth in the Proposed Rule. By contrast, all 26 House Financial Services Committee Republicans wrote the OCC and the FDIC in support of the rulemaking.

Lending 60

Lending Colorado FDIC National 60