South State Correspondent

JANUARY 10, 2024

This article will discuss how national, regional, and community banks may use loan hedging programs in 2024 to face earnings challenges. We estimate that approximately another 500 use hedging programs that keep the derivative off balance sheet (thus not reportable by FDIC). Hedging Adoption As of Q3/23, there were just over 4.5k

Community Bank 195

Community Bank Community National Regional 195

South State Correspondent

MARCH 15, 2023

Percentage of Uninsured Deposits: At the time of failure, SVB had approximately 88% of their deposits above the FDIC-insured $250k limit and ran at 95% at the end of last year. Some form of this ratio will likely be applied to the national and regional banks, which means larger community banks will also be judged by this ratio.

social media 195

social media FDIC Branding Management 195

PYMNTS

JANUARY 9, 2018

Community banks are much better positioned to provide personalized service to small business customers; large national banks simply aren’t equipped or motivated to do so.”. The FDIC’s Advisory Committee on Community Banking offered a platform through which community bankers could highlight these challenges.

Community Bank 131

Community Bank Community Fintech Lending 131

CFPB Monitor

APRIL 22, 2021

The agencies are the Comptroller of the Currency, Farm Credit Administration, FDIC, Federal Reserve Board, and National Credit Union Administration (Agencies). Recently, federal agencies proposed revisions to the Interagency Questions and Answers Regarding Flood Insurance.

Policies 60

Policies Compliance Meeting Regulation 60

Jeff For Banks

JUNE 24, 2010

One regulator, on a panel at a banking conference, told a tale of a recent conversation he had with his regional director. The regional director voiced his concern, to which the examiner responded "what alternative to real estate as collateral should I suggest?" An opportunity presents itself to pick up five new employees.

Lending 65

Lending FDIC Regulation Regional 65

Independent Banker

FEBRUARY 24, 2016

New inspirations, fresh experiences await at ICBA’s national convention. ICBA’s national convention offers an educational lineup this year of more than 60 workshops and networking sessions. ICBA’s national convention offers an educational lineup this year of more than 60 workshops and networking sessions. Monday, March 7.

Community Bank 70

Community Bank Community Innovation Customer Experience 70

American Banker

FEBRUARY 26, 2016

The bank's approval last year to buy OneWest Bank included a condition to submit an updated Community Reinvestment Act plan, but the CRA program now being presented by CIT is far from adequate.

Community 28

Community California FDIC Regional 28