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If You Are Tired of Being Transactional, You Need A Hedge Program

South State Correspondent

Community banks’ main goals are to diligently support their local communities and make an acceptable return on capital in these challenging times. In talking to community bankers, here are the main reasons provided: Improved Credit Quality : Banks can stabilize the borrower’s debt service coverage ratio (DSCR).

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If You Are Tired of Being Transactional, You Need A Hedge Program

South State Correspondent

Community banks’ main goals are to diligently support their local communities and make an acceptable return on capital in these challenging times. In talking to community bankers, here are the main reasons provided: Improved Credit Quality : Banks can stabilize the borrower’s debt service coverage ratio (DSCR).

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OCC, FDIC, and Federal Reserve propose amendments to CRA regulations

CFPB Monitor

After moving alone in 2020 to reform its Community Reinvestment Act (CRA) regulation, the Office of the Comptroller of the Currency (OCC) has joined the Federal Deposit Insurance Corporation (FDIC) and Federal Reserve Board in issuing a joint notice of proposed rulemaking setting forth proposed amendments to their regulations implementing the CRA.

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How to Choose a Hedge Provider as a Bank

South State Correspondent

In talking to community bankers, here are the main reasons community banks have chosen a loan-level hedging program: Improved Credit Quality: Banks can stabilize the borrower’s debt service coverage ratio (DSCR). Eliminate Interest Rate Risk: Eliminate margin compression when interest rates rise.

How To 195
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10 Top Banking Podcasts You Should be Listening to

Abrigo

Main Street Banking: A Podcast for Community Bankers 8. Main Street Banking: A Podcast for Community Bankers Main Street Banking: A Podcast for Community Bankers is hosted by the Barret School of Banking, and posts new episodes twice a month or so. Lending & Credit Risk. Lending & Credit Risk. BankTalk 3.

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Community Banks Aim To Amplify Competitive Edge With FinTechs

PYMNTS

With big banks pulling back from small and medium-sized business (SMB) lending in the wake of the global financial crisis, the market was ripe for someone else to fill the credit gap. Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index.

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Community banks most likely to approve small business loans

Abrigo

Over the first half of 2014, these banks, with an approval rate of just under 60 percent, beat out large national banks (31 percent), large regional banks (45 percent) and online lenders (38 percent). While the approval rates are high and portfolios are expanding, the OCC did point out that lending standards continued to soften.