American Banker

OCTOBER 10, 2023

issued a proposal requiring larger banks to implement a three-line-of-defense risk management model and increased board independence in response to observed weaknesses in corporate governance during past financial crises and recent bank failures. The Federal Deposit Insurance Corp.

Guidelines 36

Guidelines Regional FDIC Risk Management 36

South State Correspondent

AUGUST 21, 2022

Eliminate Interest Rate Risk: Eliminate margin compression when interest rates rise. Meet Competitive Pressures: National and larger regional banks are specifically targeting better borrowers for seven, ten, or 20-year fixed-rate loans. Third, we believe that community banks should avoid vendors that require service exclusivity.

How To 195

How To Community Bank Community FDIC 195

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

American Banker

JUNE 20, 2016

Financial incentives leading firms to strengthen risk governance internally is better than regulators mandating risk management standards.

Risk Management 47

Risk Management Regulation Management FDIC 47

Abrigo

AUGUST 9, 2017

According to the OCC, institutions that have incorporated stress testing into their planning typically demonstrate an ability to withstand negative market developments more effectively than other financial institutions as a result of these beneficial risk management practices.

Columbus 150

Columbus Ohio FDIC Strategy 150

Jeff For Banks

JULY 31, 2017

US Regional Banks' price-earnings multiple was 16.6x Meaning if it's p/e is 16.6x, like the US Regional Banks mentioned above, then the earnings growth rate should be 16.6%. The regional banks' PEG ratio, if I do the reverse math, implies that earnings are growing around 3% for the banks in that index. So are banks over-valued?

Regional 60

Regional FDIC Industry Risk Management 60

Abrigo

DECEMBER 9, 2014

Community banks are expanding their loan portfolios to include more small business loans, according to the most recent Community Bank Performance report by the FDIC. Loans across categories increased, with commercial and industrial loans growing at the fastest rate, roughly 5.3 percent over the 3rd quarter of 2013.

Training 170

Training Policies Analysis Community Bank 170