Independent Banker

DECEMBER 31, 2021

Independent Banker ’s annual Community Bank CEO Outlook survey reveals how community bank leaders plan to leverage today’s deposit-laden banking environment to grow this year. Janet Silveria, Community Bank of Santa Maria. So, what’s at the top of community bank leaders’ to-do lists? What changes will 2022 bring?

Community Bank 144

Community Bank Community Lending Louisiana 144

Abrigo

APRIL 25, 2024

Recent data and trends of the small business lending market SMB Lending Insights is a snapshot of current financial trends and metrics that impact small and medium-sized business (SMB) lending and financial institutions. Win more small business deals and grow market share. The average size of loans examined here was $637,000.

Lending 221

Lending Trends Capital Strategy 221

CFPB Monitor

DECEMBER 30, 2020

The Federal Housing Finance Agency (FHFA) recently issued a request for information ( RFI ) seeking input on appraisal-related policies, practices and processes in connection with home mortgage loans. FHFA states that the flexibilities demonstrate “how a more flexible appraisal process can assist the flow of liquidity to the housing market.”.

Policies 78

Policies Tools Training Data 78

Abrigo

JUNE 5, 2023

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. They help manage and shape strategy in volatile economic and industry conditions. the Community Bank Leverage Ratio (CBLR) and the minimum Tier 1 leverage ratio).

Report 195

Report Risk Management Capital Data 195

South State Correspondent

JANUARY 30, 2023

Rising funding costs and decreasing liquidity at community banks are causing managers to change pricing methodology for new credits. We estimate that 25% to 50% of community banks have a policy requiring minimum yield or credit spreads for new commercial loans.

Community Bank 195

Community Bank Community Strategy Management 195

Jeff For Banks

NOVEMBER 3, 2023

Financial Markets & Economic Update - Fourth Quarter 2023 Summer Update On this warm October day, I am staring at my Bloomberg screen, still heartbroken over the Phillies Phailure. Do you remember what it means for Fed policy to be “restrictive?” But not in this market. Now, all of our hopes ride with the Eagles. Be patient.

Marketing 85

Marketing Community Bank Policies Community 85

Abrigo

MAY 5, 2022

Podcasts for Bank & Credit Union Execs & Staff Are Plentiful; Here Are 10 Good Ones These banking podcasts discuss current events, strategic and policy issues, competition, digitalization advice, and more. or largely focused on the domestic banking market. Main Street Banking: A Podcast for Community Bankers 8.

Community 195

Community Lending Maine Resources 195

Abrigo

JULY 27, 2023

Using regtech in banking With new federal regulatory and compliance challenges like the CFPB rule on the horizon, more and more community financial institutions are exploring regtech in banking and finance. For example, in the pharmaceutical industry, manufacturers can use regtech to ensure that marketing complies with FDA requirements.

Technology 195

Technology Fraud Compliance Regulation 195

Abrigo

JULY 27, 2023

Using regtech in banking With new federal regulatory and compliance challenges like the CFPB rule on the horizon, more and more community financial institutions are exploring regtech for banks to enhance their processes. Consider what compliance and risk functions your organization would use as a starting point when integrating technology.

Technology 195

Technology Fraud Compliance Regulation 195

Jeff For Banks

DECEMBER 8, 2022

Financial Markets & Economic Update -Fourth Quarter 2022 What a year 2022 has been! We’ve seen tremendous market declines in both stocks and bonds, volatility, and a Federal Reserve who is raising interest rates at a breathtaking pace. Housing markets have suffered, with mortgage rates climbing up to 7.00%. in September.

Marketing 78

Marketing Policies Philadelphia Community Bank 78

Independent Banker

NOVEMBER 30, 2022

When it comes to supporting outliers in the Las Vegas community, Lexicon Bank knows how to play its cards. It also aimed to capture the gaming market with its Professional Poker Banking Program, which is open to players who have participated in at least one of the World Series of Poker tournaments. Photo by Sammy Tillery. Assets: $237.6

Las Vegas 129

Las Vegas Community Bank Community Wisconsin 129

Abrigo

MARCH 23, 2015

It is only natural for community banks to have loan concentrations that result from the market(s) they serve and the markets they pursue. In today’s times, a high commercial real estate (CRE) concentration is often the result of community banks pursuing opportunity in the market. Blog Bank Credit Union'

Community Bank 150

Community Bank Risk Management Community Analysis 150

NCR

MARCH 1, 2016

As a result of the recession and market volatility, there has been a concerted effort in recent years throughout the banking industry to focus on a holistic approach to an institution’s overall risk management in order to achieve and sustain stability. Leave a comment below about how you’ve been successful with this process.

Risk Management 40

Risk Management Management Operations Meeting 40

Jeff For Banks

MARCH 5, 2022

Stock and bond market volatilities are also seeing winter squalls and are sending messages about shifting investor sentiments about risk. At the same time as Fed tightening, the fiscal policy of handing out “free money” has apparently ended and the consequential explosion of demand will abate. Credit spreads have begun to widen.

Marketing 78

Marketing Policies Community Bank Community 78

Abrigo

AUGUST 5, 2020

Therefore, it’s essential that the credit memo captures the complete picture of the borrower to ensure proper risk management. Loan grading is a connector between credit policy and behavior. Therefore, including financial or risk trends in the total loan grade is increasingly important in times of recession.

Management 195

Management Risk Management Trends Industry 195

Jeff For Banks

APRIL 27, 2019

Never Satisfied The markets never seem to be satisfied. The Federal Reserve recently took heed of market and economic messages, ending its tightening campaign and beginning its “patience” campaign. The markets hardly seemed satisfied with these two moves as they began building in rate cuts. A Win for the Ages !

Marketing 60

Marketing Community Taxes Community Bank 60

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.

Survey 49

Survey Community FDIC Community Bank 49

Abrigo

APRIL 15, 2022

As is the case with effectively managing interest rate risk , managers need to understand their cash flows in and out of the institution to effectively manage liquidity and meet all regulatory requirements. Liquidity risk managers need to ensure that all assumptions are reasonable and appropriate.

Management 195

Management Meeting Risk Management Operations 195

CFPB Monitor

AUGUST 6, 2018

Aimed at “senior executives in banking organizations,” the Bulletin is published by the FRB’s Division of Consumer and Community Affairs with the intent to provide high-level summaries of various consumer protection issues and to enhance the transparency of the Federal Reserve’s consumer compliance supervisory program.

Compliance 68

Compliance Risk Management Lending Training 68

Abrigo

NOVEMBER 15, 2019

In fact, banking regulators are in the process of issuing updated guidance on loan or credit risk review systems as a standalone document (rather than as part of guidance related to the allowance for credit losses as it is now) to emphasize their importance in broader risk management efforts. Credit Risk. Credit Risk.

System 150

System Lending Compliance Risk Management 150

Gonzobanker

JULY 6, 2021

It has become crystal clear that digital transformation is now the largest technology initiative for regional and community financial institutions. Maybe this is the new reality for community bankers, but Cornerstone Advisors is seeing little evidence that they’re serious about implementing a comprehensive digital strategy.

Strategy 158

Strategy System Risk Management Technology 158

Jeff For Banks

MAY 4, 2020

Readers note: You can also view this post on Penn Community Bank's website. As the stock market faltered in March, we saw the Federal Reserve step up with emergency rate cuts and Quantitative Easing to buy bonds. and promised trillions of dollars to stabilize the markets. The actions taken by the Fed stabilized markets.

Marketing 78

Marketing Philadelphia Community Bank US 78

Abrigo

JANUARY 11, 2022

Takeaway 1 ALM in banking means managing the cash flows of assets and liabilities to increase profitability, manage risk, and maintain safety and soundness. . Takeaway 3 Some institutions use a management approach to ALM to assess risk/return trade-offs and make decisions that benefit them in the short and long term. .

Management 195

Management Meeting Capital Strategy 195

Jeff For Banks

NOVEMBER 1, 2017

Quarterly Financial Markets & Economic Update- October, 2017 I love this time of year. The markets have not given way to anything, with long term bonds still trading in a tight range and short term rates having risen from Fed action. Fiscal Policy We are not seeing activity from Washington DC. What Does the Economy Need?

Marketing 60

Marketing Taxes DC Community Bank 60

Jeff For Banks

FEBRUARY 1, 2019

After a lengthy stretch of strong economic growth and stock market gains, the inevitable correction arrived with force in the fourth quarter, culminating with a December that can only be described as “tres terrible!” Fed policy works with a long lag, so letting the effects of earlier rate hikes catch up would be good.

Marketing 60

Marketing Community Bank Community Risk Management 60

Jeff For Banks

JULY 8, 2017

The markets continue to roll and bond markets continue to trade in a 25 basis point range, hitting the higher end when they think the economy is strong (why else would the Fed raise rates?) Janet Yellen, like Ben Bernanke before her, is using the Phillips curve to shape policy. Here we are in July already! Patience, they say!!

Marketing 60

Marketing Community Bank Security Data 60

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

Abrigo

FEBRUARY 23, 2022

The good news is that some vendors can assist financial institutions with process optimization and management changes to help them improve policy and operations. Learn more about how to recover market share with small business lending. Lending & Credit Risk. Lending & Credit Risk. Portfolio Risk & CECL.

How To 195

How To Lending Software Survey 195

Independent Banker

MAY 24, 2016

This leaves federal crop insurance support as a key risk-management tool. However, the farm community already is being forced to defend even this scaled-back safety net. Crop insurance “has a target on its back,” says Mark Scanlan, ICBA’s senior vice president for agriculture and rural policy. Ongoing concerns.

Community Bank 70

Community Bank Kansas City Community Iowa 70

Abrigo

JANUARY 29, 2016

Another benefit of having a loan-pricing policy or model is that it provides the institution with defensible measures for justifying pricing changes and for avoiding charges of discriminatory pricing , which some lenders have faced in recent years. They can be more competitive and better prepared for changes on the horizon.”

Capital 150

Capital Philadelphia Policies Strategy 150

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.

Community Bank 70

Community Bank Lending Community Regulation 70

Independent Banker

JANUARY 28, 2016

As in past years, community bankers will have a dynamic regulatory environment to contend with in 2016. Safety and soundness concerns will remain a prominent driver of that supervisory dynamic for community banks. What should community banks anticipate here? Anticipating safety and soundness exam issues in 2016.

Community Bank 70

Community Bank Community Regulation Lending 70

Insights on Business

NOVEMBER 19, 2018

Both fintech firms and traditional enterprises are on the brink of significant disruption as companies leverage the rapid insights generated by AI in banking to drive demonstrable outcomes in customer experience, risk management and cost efficiency. First are API-based models that integrate partner, client and peer communities.

Compliance 177

Compliance Regional blockchain Technology 177

Abrigo

APRIL 22, 2024

Recent dynamics of the small business lending market A deep understanding of the small business lending landscape and potential efficiencies can help banks and credit unions grow their portfolios. Dynamic market Small business lending by banks & credit unions Small businesses are a pillar of the U.S. trillion between 2019 and 2022.

Lending 243

Lending St. Louis Community Marketing 243

CFPB Monitor

SEPTEMBER 21, 2015

The CFPB announced the appointment of new members to its Consumer Advisory Board, Community Bank Advisory Council, and Credit Union Advisory Council. New members to the Consumer Advisory Board will serve three-year terms and new members to the Community Bank and Credit Union Advisory Councils will serve two-year terms. Kathleen C.

Groups 60

Groups Los Angeles San Francisco Community Bank 60

Jeff For Banks

MARCH 14, 2020

Genworth Dear Valued Policyholder: As COVID 19 (the coronavirus) dominates the news and the stock markets have large movements from day to day, we at Genworth want to reassure you that our associates are well positioned to continue our long tradition of being there for our policyholders regardless of social and economic conditions.

ATM 78

ATM Policies US Management 78

Independent Banker

FEBRUARY 24, 2016

“I know that unnecessary regulation saps the strength of community banks.” Curry offers a brief update about a few current regulatory issues on his mind, including his agency’s concerns about signs of growing credit risk throughout the banking industry. Curry, U.S. Comptroller of the currency. An interview with U.S.

Community Bank 70

Community Bank Community Regulation Compliance 70