Abrigo

AUGUST 6, 2021

How can community financial institutions thrive in 2021? Community banks provide unique and important banking services for their customers, but they also face significant obstacles. Takeaway 1 Community banks play an important role in the economy and their communities, but they face significant obstacles.

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Community Bank Community Kansas City Lending 195

Abrigo

NOVEMBER 11, 2019

ALM | 4 minute read Key Takeaways Many financial institutions view asset/liability management as a "check-the-box" regulatory exercise. An extreme focus on using ALM to manage the risk of rising rates means some FIs overlook using ALM to grow earnings and capital, putting them at risk of underperformance.

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Management FDIC Community Risk Management 150

South State Correspondent

AUGUST 21, 2022

Last week we wrote about loan-level vs. balance sheet hedging for community banks and provided our loan proposal generator ( HERE ). We compared and contrasted the two strategies and sized the market for community banks. A community bank may transact one or only a few balance sheet hedges over many years.

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How To Community Bank Community FDIC 195

CFPB Monitor

AUGUST 31, 2021

The OCC, FDIC, and Federal Reserve Board have issued a guide that is intended to assist community banks in conducting due diligence when considering relationships with financial technology (fintech) companies (Guide). Risk management policies, processes, and controls. Legal and regulatory compliance.

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Community Bank Community Fintech Company 78

Abrigo

MARCH 2, 2023

Banking technology decisions now affect future growth With the possibility of a recession, community financial institutions may consider a delay or cut in technology spending. But a community financial institution often has different needs related to origination than those of a giant lender. Experts say that would be a mistake.

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Technology Lending Community Software 195

Independent Banker

DECEMBER 31, 2022

Community banks must continue to stay focused on regulatory discussions and remain nimble to respond to proposals and address requirements quickly and accurately. The FDIC’s long-term goal for the reserve ratio of insured deposits. Source: FDIC. Evolving risks. Climate-related risk. Projected changes. Quick Stat.

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Compliance FDIC Community Bank Community 100

Abrigo

JUNE 11, 2021

Measuring Interest Rate Risk Can Vary by Institution Interest rate risk measurement plays a key role in ensuring an institution's safety and soundness. Would you like other articles on asset/liability management in your inbox? FDIC) noted in its 2021 Risk Review. Portfolio Risk & CECL. Asset/Liability.

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How To Risk Management Analysis Kansas City 195

Independent Banker

OCTOBER 1, 2022

AmTrust recently worked with one community bank client that was the target of a ransomware attack that shut down its branches for two weeks. One of the biggest benefits of a cyber policy, especially for a smaller community bank, is access to experts,” says Gentile. Regulators paying closer attention to cyber risks.

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Montana Policies Resources FDIC 152

Abrigo

FEBRUARY 12, 2020

Despite the painful evolution in retail, many experts expect another year of growth for commercial real estate – and for commercial real estate lenders, including community financial institutions. Community financial institution lenders, however, will want to “pick their spots” for CRE loans this year. Watching for CRE red flags. “CRE

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Lending Trends FDIC Survey 195

Abrigo

SEPTEMBER 5, 2023

Portfolio segments should be monitored and managed, not get buried in exception counts. Finally, while there may be a distinction in the severity of risk of the credit exception, that assessment tends to be inherent in the exception itself rather than the subject of the exception (e.g., It just stays on forever.

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Policies Lending Risk Management Examples 195

ABA Community Banking

OCTOBER 1, 2019

Heated competition for bank funding is an increasingly important focus for community bank leaders, according to an annual survey released today by the Federal Reserve, the FDIC and the Conference of State Bank Supervisors. The post Survey Finds Cost of Funds Top of Mind for Community Bankers appeared first on ABA Banking Journal.

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Survey Community FDIC Community Bank 49

Abrigo

MAY 5, 2022

Thankfully for bank and credit union executives, lenders, risk managers, and Bank Secrecy Act (BSA) Officers, banking podcasts and podcasts for credit unions are plentiful, and options are growing. Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S.

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Community Lending Maine Resources 195

Abrigo

AUGUST 3, 2017

The FDIC paper The Entry, Performance, and Risk Profile of De Novo Banks published in April 2016 reports that the number of de novo bank failures and acquisitions annually has drastically declined since 2010, primarily due to the fact that new bank formations have become nearly inexistent. A low interest rate environment 2.

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Oklahoma City FDIC Handbook Oklahoma 150

CFPB Monitor

APRIL 1, 2021

In what could be an important step towards needed regulatory updating to accommodate the growing use of artificial intelligence (AI) by financial institutions, the CFPB, FDIC, OCC, Federal Reserve Board, and NCUA issued a request for information (RFI) regarding financial institutions’ use of AI, including machine learning (ML). Uses of AI.

Risk Management 78

Risk Management Training Lending FDIC 78

Gonzobanker

MARCH 22, 2023

Irvine Sprague, Former FDIC Director So Gonzo Bankers … how many of us have been hesitant lately to check our iPhone each morning to see what trouble may have hit the fan in the financial world during a few restless hours of slumber? The slow, evolving maturity of a bank’s enterprise risk program needs to speed up fast.

social media 78

social media Capital Risk Management Strategy 78

Abrigo

AUGUST 9, 2017

Avert Risk The OCC’s October 2012 Supervisory Guidance notes that financial institutions that perform stress testing “have the ability to minimize the impact of negative market developments more effectively” than those that do not have a stress testing process in place.

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Columbus Ohio FDIC Strategy 150

Independent Banker

SEPTEMBER 25, 2014

Saving money by conducting inside risk management and compliance reviews. As a group, community banks spend substantial funds hiring outside consultants to help with various management functions, and a substantial share of dollars are spent to help oversee their risk management and compliance activities.

Community Bank 70

Community Bank Compliance Risk Management Community 70

Abrigo

JULY 20, 2021

Even if community businesses don’t end up utilizing the federally guaranteed loans , many small businesses have heard of SBA loans and want to explore them. During Abrigo’s recent ThinkBIG Conference, credit underwriting and loan portfolio risk management trainer and consultant Michael Wear , CRC , of 39 Acres Corp.

Lending 195

Lending FDIC Capital Risk Management 195

Abrigo

JULY 20, 2021

Even if community businesses don’t end up utilizing the federally guaranteed loans , many small businesses have heard of SBA loans and want to explore them. During Abrigo’s recent ThinkBIG Conference, credit underwriting and loan portfolio risk management trainer and consultant Michael Wear , CRC , of 39 Acres Corp.

Lending 195

Lending FDIC Capital Risk Management 195

Abrigo

DECEMBER 9, 2014

Community banks are expanding their loan portfolios to include more small business loans, according to the most recent Community Bank Performance report by the FDIC. In order to grow significantly, however, a bank may choose to expand its reach into businesses and neighborhoods outside the community - their “comfort zone.

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Training Policies Analysis Community Bank 170

Jeff For Banks

JUNE 2, 2023

To you, manage your interest rate risk. Before becoming desperate and trading interest rate risk for credit risk. Although community banks did not lend to sub-prime borrowers in any meaningful way, did we participate? Most of the more than 500 financial institutions that failed were community banks.

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FDIC Community Bank Regulation Lending 78

Independent Banker

SEPTEMBER 25, 2014

Anticipating what’s new for your community bank’s next field examination. This is particularly true for community banks preparing to undergo their next regulatory safety and soundness or compliance examination. Be aware of existing or emerging risk concerns. By Karen Hoffman. Tread carefully with loan growth and underwriting.

Compliance 101

Compliance Regulation Community Bank Community 101

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. Responsible lending.

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Community Bank Lending Community Regulation 70

Independent Banker

FEBRUARY 24, 2016

Community banks cannot afford to ignore the staggering pace of lending adoption by both individuals and businesses using digital-only platforms from various nonbank technology-based specialty lending firms. But community banks should not be without hope, nor should they underestimate the significance of customer relationships.

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Community Bank Community Lending FDIC 70

Jeff For Banks

OCTOBER 29, 2016

I recently spoke at a Financial Managers' Society (FMS) breakfast meeting on this subject and thought I would share my comments with you. I recently mentioned to a community bank management team that community financial institutions are slower to close branches because their decision making goes beyond the spreadsheet and market potential.

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Training FDIC Community Resources 60

Jeff For Banks

MAY 16, 2015

High level risk management reports (because more granular risk reports are reviewed in Committee) and trends. How could they? It's 300 pages! In two days! And most Board members have full time jobs! Financial reports for the current period, and trends. Budget variance reports 3. Financial progress towards strategic plan 4.

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Report Policies Risk Management Meeting 60

Independent Banker

DECEMBER 13, 2015

Even if you’re not required to use either version of the Cybersecurity Assessment, beta users say it can help your community bank gauge its cybersecurity risks and ultimately guard against cybercrime. At the Bank of Luxemburg, a $290 million-asset community bank in Luxemburg, Wis., Risk levels have a five-point range.

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Tools Community Community Bank Security 70

Independent Banker

NOVEMBER 24, 2015

Even if you’re not required to use either version of the Cybersecurity Assessment, beta users say it can help your community bank gauge its cybersecurity risks and ultimately guard against cybercrime. At the Bank of Luxemburg, a $290 million-asset community bank in Luxemburg, Wis., Risk levels have a five-point range.

Tools 70

Tools Community Community Bank Security 70

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

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. Risk mitigants tend to lag growth, especially fast growth. And regulators are getting anxious.

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Lending Regulation Community Community Bank 60

Independent Banker

FEBRUARY 24, 2016

Welcome to the Crescent City, where the largest educational gathering of community bankers convenes this month. It’s Community Banking LIVE 2016 in New Orleans. Independent Community Bankers of America. Former Major League Baseball player and manager, chief baseball officer for the Arizona Diamondbacks. JohnStossel.

Community Bank 70

Community Bank Community Innovation Customer Experience 70

Abrigo

SEPTEMBER 15, 2022

You might also like this webinar, "How to manage a high-performing construction loan portfolio." More construction loan monitoring ultimately decreases loan default, according to a new FDIC Center for Financial Research working paper. Bank monitoring in construction lending.

Study 195

Study FDIC Lending Risk Management 195

South State Correspondent

MARCH 15, 2023

While we wrote about the root cause of the failure of Silicon Valley Bank (SVB) HERE , the lessons of the current banking crisis go beyond interest rate risk management. While interest rate risk caused the most significant impact on value, several other factors contributed to the terminality of each bank that was closed.

social media 195

social media FDIC Branding Management 195

Abrigo

DECEMBER 22, 2023

Watch NOW Takeaway 1 Portfolio risk and accounting professionals often keep up to date on industry trends by reading Abrigo's blog. Takeaway 2 Management reports, probability of default, and model validation topics were found in the top blogs for risk professionals. The FASB’s description of proposed changes can be found here.

Risk Management 221

Risk Management Regulation Management Lending 221

American Banker

AUGUST 8, 2016

Under pressure from regulators to beef up risk management in commercial real estate lending, banks are using new software tools to improve analysis.

Big Data 28

Big Data Risk Management Data Analysis 28

Abrigo

MARCH 31, 2017

Commercial real estate lending continues to receive regulatory scrutiny and reminders for financial institutions to practice solid risk management. FDIC officials in March outlined several types of weaknesses in loan underwriting, administration and oversight practices that are emerging at some banks with CRE portfolios.

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FDIC Risk Management Analysis Lending 186

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Lawmakers and the regulatory community have taken notice of the increase in bank service charges and fee income and have responded, specifically regarding overdraft fees. Community banks target growth.

Community Bank 195

Community Bank Community FDIC Trends 195