Abrigo

MARCH 2, 2023

Community banks and the entire banking industry face downside risks from inflation, rising market interest rates, and continued geopolitical uncertainty, the FDIC said recently in its quarterly report. Perhaps executives think delaying or cutting spending on technology to make lending more efficient will affect only their staff.

Technology 195

Technology Lending Community Software 195

PYMNTS

MAY 24, 2018

The guidance did not change any regulation, but clarified the regulator’s stance on the loans, Reuters reported. In 2013, the OCC had discouraged short-term lending by banks with limitations on what could be offered to customers depending on their credit. The rules were rescinded in 2017, leading to this guidance.

FDIC 100

FDIC Lending Regulation Study 100

Abrigo

MARCH 13, 2023

Historic collapse SVB is different from other financial institutions The FDIC closure and assumption of Silicon Valley Bank (SVB) – the largest bank failure since 2008 – is a stark reminder that when a crisis occurs, it can spread as fast as a wildfire in dry fields with a strong wind. Do you get that from your deposit analysis ?

Strategy 195

Strategy Lending Security Analysis 195

PYMNTS

NOVEMBER 12, 2020

Adding to the problem, the Post reported, is the fact that the looming threat of bankruptcies and defaults has already caused banks to tighten lending. Bank regulators and overseers have been tracking the problem since the outbreak’s onset. What he and other concerned parties are looking at are the growing reserves that U.S.

New York City 227

New York City New York Missouri Philadelphia 227

Jeff For Banks

JUNE 4, 2018

"The FDIC recently has observed instances of liquidity stress at a small number of insured banks." So opened the Summer 2017 FDIC Supervisory Insights issue. Regulators and consultants promulgate this untruth. He was confident in his bank's liquidity position, but felt regulators could artificially create a liquidity problem.

FDIC 60

FDIC System Regulation Conference 60

Abrigo

AUGUST 3, 2015

The piece also notes that customer service has suffered as a result of higher compliance costs, and community banks face stricter lending standards and capital reserve requirements. But when the approach historically taken by community banks is limited, their competitive advantage also declines.

Compliance 150

Compliance Community Bank Community Survey 150

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. If a de novo starts with $15 million of capital, its largest possible lending relationship is $2.2 Who wants a regulator to come in for their periodic exam cycle and ask "why did you make this loan"?

FDIC 60

FDIC Capital Community Bank Lending 60

Jeff For Banks

JUNE 24, 2010

Economists and government officials continue to cite lack of lending activity as a key contributor to our economic malaise. Much of the standoff revolves around real estate secured lending. Regulators are slightly schizophrenic on the subject. What I suggest regulators consider is collateral alternatives.

Lending 65

Lending FDIC Regulation Regional 65

Independent Banker

MARCH 15, 2015

Thoughtful lending and an open mind keep profits strong for incoming ICBA chairman Jack Hartings. in Coldwater, Ohio, and ICBA’s incoming chairman, held fast to his community bank’s conservative lending practices. To combat the decline in the bank’s loan-to-deposit ratio, Hartings actively sought out new opportunities in lending.

Ohio 70

Ohio Community Bank Community Lending 70