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.

Lending 195

Lending Trends FDIC Survey 195

PYMNTS

OCTOBER 8, 2019

receive an FDIC-insured account, use of more than 50,000 ATMs across North America, a reloadable Visa prepaid card, remittance and international calling, native language advisors and access to a network of community meet-up spaces, local discounts and invitations to community-based events. headquarters.

Community 126

Community United States Meeting Houston 126

Abrigo

JULY 10, 2023

The rise of AI Understanding AI fraud schemes Integrating artificial intelligence (AI) presents promising opportunities and daunting challenges in today's ever-evolving world of financial transactions and digital advancements. You can also proactively prevent fraud losses and protect your community with fraud detection software.

Fraud 150

Fraud How To social media Security 150

PYMNTS

OCTOBER 8, 2019

receive an FDIC-insured account, use of more than 50,000 ATMs across North America, a reloadable Visa prepaid card, remittance and international calling, native language advisors and access to a network of community meet-up spaces, local discounts and invitations to community-based events. headquarters.

Community 116

Community United States Meeting Houston 116

PYMNTS

FEBRUARY 15, 2019

As noted in this space late last year, five federal agencies spoke out, and presented a statement that detailed how credit unions and banks could share resources to make Bank Secrecy Act compliance efforts more streamlined.

Compliance 122

Compliance Fraud United States FDIC 122

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.

Training 170

Training Policies Analysis Community Bank 170

Jeff For Banks

MARCH 31, 2018

The state's municipal deposits approximate $20 billion , $13 billion of which are in community banks. And as the chart below shows, these funds are typically paying more than double the community bank money market account rate. FDIC insured. A significant source of liquidity. I got news for you John. trillion this week.

FDIC 60

FDIC New Jersey Pennsylvania Community Bank 60

American Banker

FEBRUARY 26, 2016

The bank's approval last year to buy OneWest Bank included a condition to submit an updated Community Reinvestment Act plan, but the CRA program now being presented by CIT is far from adequate.

Community 28

Community California FDIC Regional 28

Independent Banker

SEPTEMBER 26, 2014

Awareness of elder financial abuse is growing, and community bankers are often relied upon as the front line of defense in the protection of their customers, including as providers of crime prevention education and information. In fact, they’re every bit as much at risk. Buhrmaster, president of 1st National Bank of Scotia, in Scotia, N.Y. “As

Community 101

Community Resources Community Bank Video 101

Abrigo

JULY 25, 2017

Ashbaugh’s presentation begins with a quick summary of why regulators care about HVCRE. That 13% represented 80% of the losses to the FDIC insurance fund. The guidance also outlines some additional exceptions, such as 1-4 Family Residential properties, agricultural land loans, and loans for community and economic development.

Risk Management 150

Risk Management Management Capital Lending 150

Independent Banker

SEPTEMBER 25, 2014

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 banks often already have the expertise handy in-house, they say. By Vanessa Drucker.

Community Bank 70

Community Bank Compliance Risk Management Community 70

Jeff For Banks

DECEMBER 16, 2022

Communities First Financial Corporation (OTCQX: CFST) Communities First Financial Corporation is the bank holding company for Fresno First Bank , which opened in December 2005 dedicated to meeting the banking needs of businesses, professionals, and successful individuals in Central California. Triumph Bancorp, Inc. Nasdaq: TBK) #4.

Puerto Rico 78

Puerto Rico Virgin Islands Community Community Bank 78

Jeff For Banks

OCTOBER 29, 2016

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. Community bankers know the town mayor, and key business leaders. We over-invest in under-performing branches. no, this week!

Training 60

Training FDIC Community Resources 60

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.

Community Bank 70

Community Bank Community Analytics Lending 70

Abrigo

NOVEMBER 9, 2022

“They’re all three right,” Moore said, adding that choices institutions make during implementation will affect whether the reserve stays the same, goes up, or goes down compared to their present allowance for loan and lease losses levels. For community banks specifically, they’re already reserving for a lifetime of credit losses,” he said.

Survey 195

Survey Software Resources Meeting 195

Jeff For Banks

SEPTEMBER 10, 2011

Bank of the Ozarks began in 1903 as a small community bank in Jasper, Arkansas, and by 1937, included an additional bank in Ozark, Arkansas. They acquired seven failed institutions in Georgia, Florida, and South Carolina from the FDIC, adding over $2 billion of acquired assets since March 2010. So to summarize, Bank of the Ozarks Inc.

Arkansas 66

Arkansas South Carolina FDIC North Carolina 66

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. For the most current information about Community Banking LIVE 2016. So we want our checking accounts to be FDIC insured.

Community Bank 70

Community Bank Community Innovation Customer Experience 70

Jeff For Banks

DECEMBER 26, 2012

In its latest investor presentation, BofI highlighted it''s expense ratio (operating expense as a percent of average assets) compared to peer as 1.67% versus 3.17%, respectively, and efficiency ratio (operating expense as a percent of total revenue) compared to peer as 35% versus 63%, respectively. BofI Holdings Inc.

Texas 79

Texas National FDIC Capital 79

Jeff For Banks

APRIL 29, 2021

The challenge was that it was a book designed for community financial institutions. Also, if I included slides from conferences and presentations that I attended, I asked the firm if it was ok to use their material. The subtitle came from a virtual conference where Jelena McWilliams, the FDIC Chair, said those words. Very niche.

Conference 78

Conference social media Capital Marketing 78

South State Correspondent

MARCH 15, 2023

Percentage of Uninsured Deposits: At the time of failure, SVB had approximately 88% of their deposits above the FDIC-insured $250k limit and ran at 95% at the end of last year. Some form of this ratio will likely be applied to the national and regional banks, which means larger community banks will also be judged by this ratio.

social media 195

social media FDIC Branding Management 195

Abrigo

SEPTEMBER 15, 2022

Takeaway 1 "Bank Monitoring with On-Site Inspections" will be presented later this month and claims to be the first empirical study of bank monitoring within non-syndicated loans. . More construction loan monitoring ultimately decreases loan default, according to a new FDIC Center for Financial Research working paper. Study features.

Study 195

Study FDIC Lending Risk Management 195

CFPB Monitor

APRIL 22, 2021

The agencies are the Comptroller of the Currency, Farm Credit Administration, FDIC, Federal Reserve Board, and National Credit Union Administration (Agencies). Recently, federal agencies proposed revisions to the Interagency Questions and Answers Regarding Flood Insurance.

Policies 60

Policies Compliance Meeting Regulation 60

Gonzobanker

AUGUST 22, 2014

The number of banks will continue to shrink from the present 6,700, and we won’t ever see more banks than we have today. Once the filters are in place, tools like the FDIC Web site or SNL can help you produce your target list. And that, my friends, is where I believe all the action will be for the next 10+ years.

Strategy 87

Strategy United States Community New York City 87

Abrigo

NOVEMBER 29, 2021

Noninterest income pressures present challenges Some financial institutions are adapting offerings that generate service charges and fees - important sources of noninterest income. . Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category.

Community Bank 195

Community Bank Community FDIC Trends 195

Abrigo

MARCH 17, 2022

Takeaway 2 The severely adverse scenario from regulators presents a very severe global recession combined with severe stress in the CRE market and the corporate debt market. Regardless of regulatory pressure, measuring and managing key risks are the cornerstone of community financial institutions’ enterprise risk management (ERM) programs.

Capital 195

Capital Regulation Risk Management Community 195

PYMNTS

OCTOBER 29, 2018

Facebook … and the Facebook Community. And its future is very much in the hands of a community that thinks differently about Facebook today, with many now thinking twice about how and how often they use it. And that is a bank – one with FDIC insurance and safeguards that keep their money safe. Google … and Ad-Supported Search .

Payments 196

Payments Google Apple Innovation 196

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. But if the bank places a present value on their strategic plan projections, should they be afraid of the answer?

Branch Strategies 89

Branch Strategies FDIC Strategy Industry 89

PYMNTS

AUGUST 29, 2018

The Office of the Comptroller of the Currency is aiming to rewrite the 1977 Community Reinvestment Act, which is designed to encourage bank lending in low-income areas. Under the rules, banks have to provide mortgages and credit products to low-income communities in which they accept deposits. and Federal Reserve.

Community 100

Community FDIC Compliance Regulation 100

CFPB Monitor

JULY 9, 2020

Over the past six weeks, opposition to the OCC’s Community Reinvestment Act (“CRA”) final rule has hardened on two fronts. The plaintiffs also argue that the new rule would dilute bank investment in low- and moderate-income communities in ways that are “contrary to the letter and spirit” of the CRA. Maxine Waters (D-CA) and Rep.

Groups 140

Groups Community FDIC California 140

CFPB Monitor

OCTOBER 20, 2022

The ruling was issued in Community Financial Services Association of America, Limited v. At present, the Fifth Circuit’s decision is only binding on federal district courts in Texas, Louisiana, and Mississippi. In addition to the Federal Reserve, the OCC, FDIC, NCUA, and FHFA are not funded through appropriations.

Groups 148

Groups Mississippi Louisiana FDIC 148