South State Correspondent

APRIL 30, 2022

In this article, we analyze the industry’s cost of funding earning assets (COF) and track how community banks’ COF behaves relative to larger banks. In future articles, we will explain our modeling for community banks’ COF based on inflation, Fed Funds rates, consumer consumption and the Fed’s balance sheet runoff.

Community Bank 195

Community Bank Strategy Community FDIC 195

PYMNTS

APRIL 24, 2019

In addition, Wealthfront works with FDIC-insured partner banks — including East West Bank , New York Community Bank and others — to hold customers’ deposits. Wealthfront launched as a company that offered financial planning, investment management and lending through its portfolio line of credit. Consumers are fed up.”.

FDIC 108

FDIC New York Community Bank Course 108

Abrigo

MARCH 17, 2015

According to the latest FDIC Quarterly Banking Profile, community banks continue to thrive and lead the industry. percent achieved that threshold in the fourth quarter of 2014 – they aren’t just competing with large, national banks; their community bank counterparts also account for much of their competition.

How To 150

How To Community Bank Community FDIC 150

Jeff For Banks

JUNE 2, 2023

The old borrow short, lend long strategy. I want to read to you the FDIC’s conclusion from their An Examination of the Banking Crisis of the 1980’s and Early 1990’s. Who would’ve thought lending $1 million to a San Francisco cab driver to buy a house at 100% loan to value would go bad? We took a serious reputational hit.

FDIC 78

FDIC Community Bank Regulation Lending 78

Jeff For Banks

JUNE 4, 2018

"The FDIC recently has observed instances of liquidity stress at a small number of insured banks." So opened the Summer 2017 FDIC Supervisory Insights issue. So, according to the FDIC rate cap "guidance", you could not exceed 84 basis points on your money market accounts at December 31, 2017 if you were under regulatory scrutiny.

FDIC 60

FDIC System Regulation Conference 60

Independent Banker

APRIL 30, 2022

Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own path to success. In true community bank fashion, each has its own story to tell and its own path to success. Philadelphia.

Community Bank 172

Community Bank Community Montana Taxes 172

FICO

DECEMBER 20, 2018

In our current rising rate environment, any bank that can’t grow (or at least sustain) its deposits base will face shrinking net interest margins and a competitive disadvantage in their consumer lending businesses. small-dollar lending market. This is critical to making the business case for small-dollar lending viable.

Trends 73

Trends Lending Fraud Exercises 73

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. Siphoning customers.

Community Bank 70

Community Bank Community Analytics Lending 70

Jeff For Banks

OCTOBER 4, 2014

We do it by implementing "me too" or business as usual strategies in a changing world. Now the amount of money in US registered investment companies exceeds that in FDIC insured banks. Lending Club funded $5 billion in loans since its founding in 2007. So said John Authers in a recent Financial Times article. And I believe him.

Technology 105

Technology Cyber Security FDIC Strategy 105

Independent Banker

AUGUST 26, 2015

Legally and operationally, digital John Hancocks come of age in lending. Electronic signatures “absolutely” have helped PrivatePlus Mortgage expand its residential mortgage lending reach nationwide, says Lia Webster. Community banks and their customers don’t need to be concerned about the legality of digitally signed documents.

San Francisco 70

San Francisco Lending System Atlanta 70

Filene

JULY 18, 2018

is contributing to steady growth of this vibrant community – a community of more than 43 million that continues to be overlooked by mainstream financial services. Learning as much as you can about the foreign-born community and their families in your area is an essential first step. immigrants.

Community 28

Community Study Resources Lending 28

Jeff For Banks

MARCH 3, 2018

Six years ago I asked in a blog post Will Plain Vanilla Kill Community Banking ? When I wrote that post in January 2011 there were 7,700 FDIC insured financial institutions. SunTrust - Developed Lightstream , a national online lending platform to provide consumer loans for practically any purpose. Was I, gulp, a futurist?

Apple 66

Apple Millennials Massachusetts FDIC 66

Abrigo

MARCH 13, 2023

Stress testing & deposit strategies in the spotlight The failure of Silicon Valley Bank offers other financial institutions the chance to reassess their approaches to and management of interest rate risk, liquidity risk, and credit risk. Lending to startup companies with a plan to go public is not itself a problem.

Strategy 195

Strategy Lending Security Analysis 195

Jeff For Banks

MARCH 27, 2010

They troll the web for best rate banks, assuming one depository with FDIC insurance is no better than another. The chart below shows four banks, each with different deposit gathering strategies. They pursue a retail strategy to generate additional funding for their commercial lending line of business.

Indiana 60

Indiana FDIC Strategy Regulation 60

Jeff For Banks

MARCH 29, 2014

Two sections of the 10k I scroll to is the "Business" section and the "Business Strategy" section. This, one would think, would give me a feel of the bank''s differentiation strategy, it''s perceived competitive advantage, if you will. Well don''t get too excited. I picked Texas because of their perceived independent streak.

Strategy 101

Strategy Texas San Antonio Fort Worth 101

American Banker

AUGUST 31, 2016

Plenty of banks have ended their federal loss-share deals early, but despite the incentives to wind them down, plenty more still have these crisis-era arrangements in place. It may be due to varying deadlines, mistakes calculating loan values or worries that they still might need the coverage for home equity lines.

FDIC 28

FDIC CA Community Bank Regional 28

Banking 2020

MARCH 10, 2015

The rapid emergence of crowdfunding, alternative lending, and peer-to-peer transactions strongly indicates that small businesses are shifting away from the traditional banking environment. According to FDIC Data Calls as outlined in the Forbes , in the 4th Quarter of 2014, traditional banks’ commercial loan portfolios saw a 3.1%

Community 40

Community Lending Capital Conference 40

CFPB Monitor

MARCH 26, 2020

The CFPB, OCC, FDIC, Federal Reserve, and NCUA have issued a joint statement “to specifically encourage” banks, savings associations, and credit unions “to offer responsible small-dollar loans to both consumers and small businesses” in response to the COVID-19 outbreak.

FDIC 78

FDIC Lending National Examples 78

CFPB Monitor

JUNE 22, 2022

1) Assessment Areas and Areas for Eligible Community Development Activity. Large banks would also be required to delineate retail lending assessment areas where a bank has concentrations of home mortgage and/or small business lending outside of its facility-based assessment areas. Performance Tests and Standards.

Regulation 78

Regulation Community Lending Retail 78

PYMNTS

MARCH 26, 2020

FDIC), National Credit Union Administration and Office of the Comptroller of the Currency said small-dollar loans can play a key role in meeting credit needs because of temporary cash flow problems, unexpected expenses or loss of income during this period of economic stress. “For

FDIC 130

FDIC Meeting Regulation Lending 130

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Financial institutions generate most of their income by lending and investment activities. Community banks target growth. Community banks have seen less volatility in noninterest income over time.

Community Bank 195

Community Bank Community FDIC Trends 195

CFPB Monitor

JUNE 25, 2020

On May 20, 2020, the OCC issued a final rule to “strengthen and modernize” its existing Community Reinvestment Act (“CRA”) regulations. The final rule defines a “qualifying activity” as an activity that helps meet the credit needs of a bank’s entire community, including low- and moderate income individuals (LMI) and communities.

Community 97

Community Lending Meeting Retail 97

Abrigo

DECEMBER 22, 2023

Read this blog for ten key reports on capital, growth, and liquidity that can help financial institutions identify increased risk and shape strategy in tricky conditions. While this bank had unique loans that most community financial institutions won’t be dealing with, it does raise the question of appropriate stress tests.

Risk Management 221

Risk Management Regulation Management Lending 221

Abrigo

DECEMBER 19, 2019

Due to new and emerging technologies, changing regulations, and ever-evolving customer expectations, banks and credit unions across the country are taking an assortment of different strategies to achieve their growth goals in 2020. In 2008, there were 7,061 FDIC-insured commercial banks in the U.S.

Lending 195

Lending Fraud Community FDIC 195

Jeff For Banks

MARCH 3, 2014

Since I estimate my Twitter community only reads about 10% of their tweet stream, and so many of my blog readers do not follow Twitter, below are selected quotes that I tweeted since version 6. Bank CFO: The FDIC is on a rising rate binge. Bank CEO on his future strategy: A few locations and tons of digital.

Branch Strategies 89

Branch Strategies FDIC Strategy Industry 89

American Banker

MARCH 11, 2016

Ray Grace, North Carolina's banking commissioner, believes federal bank regulators should embrace charters for banks dedicated to innovation. Doing so, he said, would help the banking industry secure its spot as a "laboratory for change.".

North Carolina 28

North Carolina Regulation Innovation Security 28

American Banker

MARCH 16, 2016

Loans outpacing GDP and the expressed optimism of CEOs on recent earnings calls are among the signs that growth figures are too good to be true.

FDIC 28

FDIC Community Bank Regional National 28

American Banker

DECEMBER 19, 2016

Ameris Bancorp in Moultrie, Ga., has entered into a consent order with regulators tied to the Bank Secrecy Act.

Regulation 28

Regulation FDIC Community Bank Capital 28

Gonzobanker

FEBRUARY 7, 2018

Jim McAlpin from Bryan Cave LLP noted that the bulk of regulatory relief would come through a more rational examination process from the Fed, OCC and FDIC – clearly welcome news for those who fell victim to armies of examiners in conference rooms over the past decade. #2: 2018 Strategies for Bank Execs. 2: The Bulls. Source: SNL.

Taxes 76

Taxes Video Analytics Arkansas 76

Jeff For Banks

APRIL 14, 2022

Inside the FDIC: Thirty Years of Bank Failures, Bailouts, and Regulatory Battles 2015 Louis D. Bye Bye Banks: The End of Community Banking as an Engine of Economic Growth 2010 Robert H. Giannini: Banker of America 1994 Richard X. Bove Bove, Richard X. Guardians of Prosperity: Why America Needs Big Banks 2013 John F.

America 78

America National Denver United States 78