Abrigo

JANUARY 30, 2024

Attendees return from ThinkBIG energized and informed so they can continue positively impacting their institutions and, more importantly, their communities. Attendees learn, foster new relationships with peers, and gain the latest insights from key subject matter experts,” said the Vice President of a Texas Bank.

Conference 195

Conference Arizona Phoenix Fraud 195

American Banker

JANUARY 18, 2024

Industry Bancshares' bond portfolio is massively underwater, and one of its regulators says the company is in "troubled condition." But Industry says it was already working on fixes prior to the OCC's intervention, which it calls an "unfortunate example of regulatory overreach."

Texas 56

Texas Regulation Examples Industry 56

CFPB Monitor

DECEMBER 1, 2022

The other plaintiffs in the lawsuit, which was filed in a Texas federal district court , are American Bankers Association, Consumer Bankers Association, Independent Bankers Association of Texas, Longview Chamber of Commerce, Texas Association of Business, and Texas Bankers Association.

Texas 78

Texas Groups Exercises Community 78

Abrigo

FEBRUARY 23, 2023

Relationship focus helps CFIs Small banks can leapfrog competitors and better serve their communities by combining their unique advantages with smart management and partnerships. How can community financial institution leaders manage their challenges and seize their opportunities at the same time?

Community Bank 195

Community Bank Kansas City Community Lending 195

CFPB Monitor

SEPTEMBER 30, 2022

Chamber of Commerce, joined by six other trade groups, filed a lawsuit yesterday in a Texas federal district court against the CFPB challenging the CFPB’s recent update to the Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) section of its examination manual to include discrimination. Supreme Court authority.

Groups 78

Groups Texas Regulation Compliance 78

Independent Banker

JUNE 30, 2022

Effects of the pandemic and other factors creating unpredictability have changed how community banks approach their credit and lending operations. Bankers and industry observers have several recommendations for how community banks can come up with risk ratings and rankings that foster safe growth in a volatile economic climate.

Management 103

Management Community Bank Community Regulation 103

Abrigo

DECEMBER 20, 2021

Whether that is the case or not, the reprieve is now over. On December 16, 2021, FinCEN announced an $8 million civil money penalty against CommunityBank of Texas (CBOT) for willful Bank Secrecy Act (BSA) violations and failing to maintain an effective anti-money laundering (AML) program. CommunityBank of Texas' citations.

Resources 195

Resources Texas Analysis System 195

Independent Banker

OCTOBER 1, 2021

Bank regulators created the UBPR “peer analysis” to help further their own mission of prudential regulation, and it’s not a great substitute for the bank’s own performance benchmarking. However, if the bank is underperforming peers, the peer group itself is dismissed as irrelevant (“we’re a lot different than those banks anyway…”).

Analysis 91

Analysis Texas Groups Examples 91

CFPB Monitor

AUGUST 5, 2019

Supreme Court ruling in Texas Department of Housing and Community Affairs v Inclusive Communities Project, Inc. Initially filed in 2013, the plaintiffs filed an amended complaint following Inclusive Communities to allege that the Rule was inconsistent with that opinion.

Community 68

Community Policies Compliance Regulation 68

Abrigo

MARCH 20, 2015

For the largest of American financial institutions – those that much of the public banks with for checking, mortgages and auto loans – stress testing regulations have been passed and executed to avoid a repeat of 2008. with the lowest Texas Ratios. In the last several years following the Great Recession, the health of banks in the U.S.

Texas 150

Texas Regional California Community Bank 150

PYMNTS

SEPTEMBER 26, 2019

Favorable Regulations. With financial institutions continuing to explore how to service small businesses operating in this industry without running afoul of federal law, credit unions, along with community banks, have worked to fill in the finserv gap as larger financial institutions back away, according to Politico.

Lending 108

Lending Community Bank Community Fintech 108

Abrigo

DECEMBER 2, 2021

Indeed, deposit levels to transaction accounts among community banks exploded 74% to $896.5 31, 2019, and June 3, 2021, according to the Community Banking in the 21st Century report. Learn how to satisfy regulators and yield more useful information in this whitepaper, "Effective Loan Review". billion from $515.3

Conference 195

Conference San Antonio Lending Fraud 195

PYMNTS

AUGUST 19, 2019

As noted last week, the draft order, which was seen and reported by CNN , would place the Federal Communications Commission (FCC) in charge of how marquee names such as Facebook and Twitter show what is on their sites. Three individual employees have been fined, with penalties ranging from $1,469 to $7,344.

social media 128

social media Regulation Lending Compliance 128

Independent Banker

JANUARY 31, 2019

It never ceases to amaze me how powerful we are when we work together, community bankers. First and foremost, we have a new farm bill—something that is good for American agriculture and for community bankers’ ability to provide credit to support their local economies. As a community banker in Taos, N.M., And while S.2155

Community Bank 70

Community Bank Wisconsin Community Texas 70

Independent Banker

AUGUST 25, 2016

Advocacy Advocate—ICBA’s Joshua Harbursky works to assist community bankers with their industry policy engagement with lawmakers and regulators. ICBA has a great infrastructure in place and a lot of active advocates among community bankers. Anyone with an interest in promoting community banks can be an ICBA advocate.

Washington 72

Washington Community Bank Policies Community 72

Abrigo

JANUARY 28, 2016

trillion in assets and thousands of employees) or tiny Oakwood State Bank in Texas (with $6.5 million and two employees), financial institutions understand the importance of customer and community service. Whether it is Wells Fargo (with $1.6

Capital 150

Capital Texas Risk Management Management 150

Independent Banker

SEPTEMBER 26, 2014

That is why we are calling on regulators to make the most of the latest mandatory review of federal banking rules. The agencies are required to study their regulations for dead weight every 10 years under the Economic Growth and Regulatory Paperwork Reduction Act of 1996. Community Bankers Chosen as CFPB Advisors.

Washington 70

Washington Fort Worth Regulation Community Bank 70

Gonzobanker

JULY 10, 2020

Community-based institutions have unique circumstances (and personal viewpoints) that impact how they see the world in the future and what planning will look like for them. Regulators are now ramping that back up, and model risk management focused on portfolio risk is going to top the list. Be hyper-sensitive to your community.

Risk Management 88

Risk Management Capital Strategy social media 88

CFPB Monitor

NOVEMBER 3, 2014

Klein The Federal Reserve Board indicated it is scrutinizing mortgage loan pricing models that comply with Regulation Z but nonetheless, in the view of the Board, significantly increase fair lending risk. We wrote about the case, Texas Department of Housing and Community Affairs v. The Inclusive Communities Project, Inc.

Lending 90

Lending Community Regulation Texas 90

Independent Banker

JULY 29, 2016

The demand for professional development opportunities for community bankers has never been greater. Last year Community Banker University’s eight certification programs provided more than 4,000 community bankers with highly tailored training.

Minneapolis 70

Minneapolis Community Bank Community San Antonio 70

Independent Banker

SEPTEMBER 22, 2015

Having worked in banking for nearly 23 years and having been preceded in executive leadership by my father and grandfather at our family’s community bank, I have repeatedly heard similar statements from our mortgage customers. They are discovering how regulations are restricting how and when we can close loans (i.e.,

Maine 70

Maine Regulation Washington Community 70

CFPB Monitor

OCTOBER 27, 2022

It is worth noting that the Chamber filed its case in a Texas federal district court, so any eventual appeal of that case would go to the Fifth Circuit, which held last week that the CFPB’s funding mechanism is unconstitutional in Community Financial Services Association of America v. Consumer Financial Protection Bureau.

Groups 78

Groups Exercises Lending Policies 78

PYMNTS

NOVEMBER 8, 2018

The news came on the same day that the San Francisco-based scooter-sharing company launched a pilot program in Tacoma, Washington, and less than one month after a 24-year-old Dallas, Texas man fell off the scooter he was riding and died from blunt force injuries to his head. Campaign Benefit.

San Francisco 128

San Francisco social media San Diego Los Angeles 128

American Banker

JANUARY 25, 2022

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Texas 36

Texas Community Bank Community Compliance 36

PYMNTS

MAY 11, 2016

Uber is writing a new chapter in its estranged relationship with its driver community. Last week, the company wrapped up its business in Austin, Texas, after losing a vote over background check practices. In California and Massachusetts, the company struck a $100 million deal with drivers, which compensated them over expense issues.

New York 100

New York New York City Austin Illinois 100

Independent Banker

OCTOBER 14, 2014

According to a statistic released as part of the ICBA 2014 Top 50 Community Bank Leaders in Social Media, nearly 2,500 banks have a Facebook or Twitter presence, and the numbers continue to exponentially grow. It is apparent everywhere you turn that social media is one of the hottest new communications tools in our society.

social media 88

social media Risk Management Compliance Community Bank 88

PYMNTS

JUNE 13, 2018

A Texas court ruled on Tuesday (June 12) against delaying the compliance date for the Consumer Financial Protection Bureau ’s rule on payday loans. The restrictions are scheduled to take effect next year, but lenders — along with the CFPB — sued to have that deadline delayed while the agency takes a closer look at the regulations.

Texas 112

Texas Lending Austin Regulation 112

Gonzobanker

DECEMBER 17, 2021

Goes to Eric Sprink, Coastal Community Bank , Everett, Wash. Through all this, First Farmers has remained disciplined in performance and squarely focused on customers and community. Like how does that play into our communities? The regulator and media pressure on overdraft fees has been a constant challenge to overdraft revenue.

Fintech 147

Fintech Strategy Leadership Lending 147

Independent Banker

JULY 31, 2022

Fallout from recent global events presents an obstacle to generating revenue for community banks. Since COVID-19, profitability planning for community banks has mainly hinged on how the government was coping with the pandemic and the key role financial institutions played in keeping the economy afloat. By Elizabeth Judd.

Strategy 135

Strategy Community Bank Louisville Community 135

Fintech Labs Insights

DECEMBER 10, 2015

Other investors include Texas Independent Bancshares, Mike Maples, and Adams Street Partners. CBANC launched its network as a platform where financial industry professionals can ask, answer, and share industry-related intelligence, specifically regarding regulation and new technology. When added to its previous round of $1.7

Austin 12

Austin Texas New York Community Bank 12

Gonzobanker

DECEMBER 19, 2017

Heavy-handed regulators. Rainbolt has quietly built a community bank in the past 20 years that is closing in on $2 billion of market cap. For 35 years, Wilmers led M&T with creativity, integrity and the “old-school” wisdom of a community banker who created a $26 billion market cap company. FinTech threats and distractions.

Conference 101

Conference Industry Community Bank Community 101

Jeff For Banks

MARCH 29, 2014

To exemplify, here are three Texas bank''s "Business" and "Business Strategy" sections to their most recently filed 10k. I picked Texas because of their perceived independent streak. We believe we can effectively compete as a community bank in our market area and the niche markets we serve. Texas Capital Bancshares, Inc.

Strategy 102

Strategy Texas San Antonio Fort Worth 102

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. Bank of the Ozarks and their regulators were not so myopic in their view. There are plenty of sad stories of bank demise at the hands of experienced bankers. How did they grow so quickly?

Arkansas 67

Arkansas South Carolina FDIC North Carolina 67

PYMNTS

DECEMBER 12, 2020

Case numbers continue to climb rapidly nationwide, shutdowns and other regulations are going into effect and the death count is breaking records seemingly each day. They are not only pillars of the community, but they have gone above and beyond to take care of their loyal customers during the hardships of the COVID-19 pandemic.”.

New York 216

New York New York City Texas United States 216

PYMNTS

NOVEMBER 18, 2019

Louisa Community Bank of Louisa, Kentucky also shuttered on Oct. As of June 30, Louisa Community Bank had approximately $29.7 Enloe State Bank of Cooper, Texas closed May 31 with total assets of $36.7 Enloe State Bank of Cooper, Texas closed May 31 with total assets of $36.7 Legend Bank in Bowie, Texas assumed deposits.

Kentucky 140

Kentucky FDIC Ohio US 140

Independent Banker

NOVEMBER 30, 2021

State Bank of Texas, led by president Sushil Patel (center), has a niche working with hospitality customers like Reena and Arun Patel, who own and operate a La Quinta hotel in Dallas. Between the [Trump] administration and Congress and the regulators, they did a terrific job of allowing banks to work with their borrowers,” says Jeff W.

Community Bank 209

Community Bank Community Texas Dallas 209

CFPB Monitor

SEPTEMBER 30, 2022

Populus also filed a motion to stay all proceedings in the case pending the Fifth Circuit’ decision in Community Financial Services Association of America Ltd. With regard to the OCC, Populus distinguishes the OCC’s reliance on fees from the entities it regulates which it asserts creates political accountability for the OCC.

Groups 78

Groups FDIC Texas Leadership 78