Community FDIC Regulation Taxes 
Independent Banker
JANUARY 26, 2016
The FDIC has released a proposal to indemnify the banks with assets less than $10 billion from the costs of raising the Deposit Insurance Fund reserve ratio from 1.15 The provision will ultimately provide thousands of community banks a reduction in deposit-insurance premiums of up to 30 percent. percent to 1.35 ICBA Member Poll.
Jeff For Banks
MAY 20, 2017
And regulators are getting anxious. and New York Community Bancorp called off their planned merger. Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. It shows the pre-tax profit as a percent of the loan portfolios measured.
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Jeff For Banks
JUNE 2, 2023
Second, this can be accomplished only if the industry does not have too much influence over its regulators and if the regulators have the ability to hire, train, and retain qualified staff. Third, the regulators need adequate financial resources. My lesson learned to the regulators, read your past lessons learned.
Jeff For Banks
MARCH 5, 2021
Shouldn't the CFPB work to address the impediments to starting a bank in LMI markets rather than punish community banks who scrambled to serve their customers when the economy shut down? According to my firm's profitability peer group, a branch with $74 million in average deposits made a mere pre-tax profit of three basis points.
Abrigo
SEPTEMBER 5, 2023
As the FDIC said recently: Exceptions to policy should be few in number and properly justified, approved, and tracked. and property tax payments. Generally speaking (subject to Regulation B), business loans should be guaranteed by the principals of the borrower. Get details in "A guide to implementing credit policy."
Jeff For Banks
APRIL 25, 2015
Sure, if you cite studies that say these banks' loan books are predominantly small, as the FDIC measures them. I'm also skeptical that small community banks in general are financing startup businesses. See the accompanying chart for the loan composition for all FDIC-insured banks and thrifts with less than $1 billion in total assets.
Independent Banker
SEPTEMBER 22, 2015
In June, five federal agencies (including FDIC, Office of the Comptroller of the Currency and the Federal Reserve) announced approval of a final rule that modifies regulations applying to loans secured by properties located in special flood hazard areas. There is an exception that will be key for many community banks to understand.
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