Abrigo

OCTOBER 27, 2014

As American Banker reported last week, nearly a dozen regional banks saw scattered growth in their loan portfolios as part of the Q3 filings. bank and credit union, on total loan growth quarter over quarter paint a picture of the state of bank lending leading up to the third quarter. Blog Bank Industry Trends' As the U.S.

Lending 247

Lending Report Trends Community 247

PYMNTS

JUNE 4, 2019

China’s community banks are raising new fears over the health of the industry after auditor Ernst & Young resigned from its work with regional bank Bank of Jinzhou. Last month, the government took control of a struggling regional bank, Baoshang Bank, marking the first such event in more than two decades.

Regional 100

Regional Community Bank Community Policies 100

Abrigo

NOVEMBER 21, 2014

Now that banks have filed their third quarter financial reports , what did the lending picture look like last quarter? Total commercial and industrial (C&I) loans across all 6,600+ U.S. However, Q3 commercial lending is down from the beginning of 2014 (quarter ending 3/31/2014) by about $67 billion.

Lending 186

Lending South Carolina Miami Community Bank 186

PYMNTS

MARCH 19, 2019

trillion shadow banking industry is on the decline, which has led to a rise in private corporate defaults. However, while regulators are happy to see shadow lending fade, the sector’s main borrowers — private companies — are feeling the strain. China’s $9.1 As a result, outstanding loans in the sector fell to ¥61.3

Lending 100

Lending Regulation Maine Regional 100

Abrigo

DECEMBER 18, 2023

Critical capital Should CRE lending be off the table? Recent headlines may lead bankers to believe that shunning commercial real estate lending is the safest path to limit or avoid credit risk, given stresses on CRE and regulatory concerns. Certainly, one asset class, the regional mall, is quite dead,” Kirby said.

Risk Management 221

Risk Management Management Lending Capital 221

Abrigo

FEBRUARY 24, 2015

The auto industry had a substantial year in 2014, selling nearly one million more vehicles than in 2013. And just as in mortgage lending , credit unions are seeing a bigger piece of the consumer loan pie. And just as in mortgage lending , credit unions are seeing a bigger piece of the consumer loan pie.

Lending 150

Lending Alaska Regional Indiana 150

PYMNTS

AUGUST 28, 2018

It was supposed to be a strong year for lending across the board, after a stumpy 2017, which saw numbers in both consumer and commercial lending tending toward a slump. regional bank executives were gearing up for a bumper year, according to Bloomberg. Bancorp , the largest regional bank in the U.S.,

Lending 100

Lending Taxes Rhode Island Regional 100

PYMNTS

SEPTEMBER 12, 2018

In its monthly Small Business Lending Index, released Tuesday (Sept. When you combine a strong economy, healthy retail demand and the willingness of small business owners to reinvest their savings from tax cuts, it creates a positive atmosphere for small business lending ,” said Rohit Arora, Biz2Credit CEO, in a statement.

Lending 102

Lending Community Bank Taxes Community 102

Gonzobanker

AUGUST 17, 2022

Lending Tech With Almost Steady Grades (Even With Rough Semesters). Industry expert John Meyer digs deeply into the implications of this industry-changing rollup deal here. Mortgage services provider ICE acquired mortgage services provider Black Knight bringing together the two largest providers in the space.

Fintech 184

Fintech Lending Software Compliance 184

PYMNTS

AUGUST 4, 2017

Alternative lending was the golden child among investors around 2015, but lately, the industry seems to have fallen out of favor thanks to regulatory uncertainty and questions over the viability of some business models. Alternative Lending. This week alone saw two examples of those concerns in action: One U.S. lawmaker, Rep.

Lending 109

Lending Capital Fintech Data 109

PYMNTS

DECEMBER 11, 2019

When it comes to lending — to say nothing of the wider world of payments — innovation and disruption have been on the rise in recent years thanks to digital and mobile technology, along with online marketplace models. So-called peer-to-peer (P2P) lending has certainly faced challenges in certain markets. More Focus on P2P Lending.

Fintech 144

Fintech Lending Regional Regulation 144

Abrigo

FEBRUARY 23, 2023

Funding Managing through many issues Executive leaders of small community financial institutions face complex issues, considering the economic environment and ongoing industry and regulatory changes. For smaller banks, longer-term industry consolidation trends and competition are also eroding deposit market share.

Community Bank 195

Community Bank Kansas City Community Lending 195

PYMNTS

JULY 1, 2016

For weeks the FinTech industry has been managing fears and anxieties over the future of the novel alternative finance space. Soon after Lending Club revealed its ex-CEO may have artificially inflated the company’s lending volumes, the U.S. Alternative Lending. alternative lending space this week, too.

Lending 101

Lending Analytics Capital Industry 101

South State Correspondent

MAY 9, 2023

In the wake of regional bank failures, one potential answer to equity shorting and bank runs is having the FDIC increase deposit insurance. Increasing insurance coverage on bank deposits will have unintended consequences and results contrary to what those in the banking industry want and what the U.S. economy needs. economy needs.

FDIC 195

FDIC Regulation Capital Management 195

Abrigo

APRIL 21, 2023

Focus loan reviews on risk in the portfolio Continuous loan review monitoring helps banks and credit unions ensure credit review systems support safe and sound lending. discussed how they use continuous monitoring in their efforts to ensure safe and sound lending practices.

Lending 195

Lending Risk Management Software System 195

PYMNTS

AUGUST 12, 2016

That’s the opinion of the Competition and Markets Authority (CMA), which earlier this week said technology would be one of the underpinnings of getting lending to increase to SMEs, a group that would naturally benefit from improved access to capital. In the U.K.,

Lending 100

Lending Comparison Industry Innovation 100

PYMNTS

APRIL 28, 2016

Marketplace lending has grown in popularity and so has the CFPB’s own knowledge of a variety of lenders in the market,” said Lucy Morris, a partner at Hudson Cook and the CFPB’s former deputy enforcement director. The CFPB has been pursuing this quietly for some time.

Lending 100

Lending Chicago Regulation Regional 100

American Banker

JUNE 8, 2021

(..)

Regional 75

Regional Industry Company Lending 75

American Banker

APRIL 23, 2024

The Connecticut bank —a regional traditionally regarded as a cautious lender — said nonperforming loans and leases rose 53% year-over-year. The uptick was in mostly the commercial-and-industrial loan space, although there was one nonperforming commercial real estate loan, executives said.

Connecticut 67

Connecticut Report Regional Industry 67

South State Correspondent

JANUARY 20, 2023

What ends up happening is that banks lose more of the higher quality credits to regional and national banks and then get adversely selected for the riskier credits. Non-owner occupied commercial real estate (NOOCRE) industrial remains the most competitive sector coming in at an average 1.69% spread and a 14% ROE.

Lending 195

Lending Community Bank Community Data 195

Independent Banker

JANUARY 31, 2022

This region has the kind of energy that draws people to a place and helps them and their businesses thrive. That year, installations further south, in the region that includes Brownsville and Corpus Christi, supported an estimated 41,000 jobs and contributed about $4.6 Consumer mortgage and installment lending are in the mix as well.

Texas 182

Texas San Antonio Community Bank Community 182

American Banker

JULY 21, 2023

The Ohio-based regional bank continued to drive loan and deposit growth in the second quarter. But lending activity is expected to ease while funding costs remain high, tempering net interest income expectations for the full year.

Ohio 69

Ohio Regional Lending Industry 69

PYMNTS

SEPTEMBER 29, 2020

But, as Shoihet said, these firms account for roughly 50 percent of trade volume in the LATAM region. The other 50 percent, he said, comes from the SMBs that are being overlooked by the traditional financial services community, he told PYMNTS — and who create a majority of jobs in the region. trillion globally, according to Shoihet.

United States 286

United States Regional America Trends 286

PYMNTS

FEBRUARY 6, 2018

How low, we don’t know: Rockefeller declined to disclose, beyond noting that it is well below industry standard. That rate, he noted, is based on more than mutual soldier loyalty, as StreetShares has other lending requirements.

Lending 119

Lending Virginia United States Capital 119

South State Correspondent

MARCH 5, 2024

When we analyze the same size/ROA relationship using banks’ efficiency ratios, it is not surprising that community banks (under $10B in asset size) have, on average, a 5% higher efficiency ratio than regional banks ($10B to $50B in asset size) as shown in the graph below. Larger loans have lower credit risk, all else equal.

Community Bank 195

Community Bank Community National Lending 195

South State Correspondent

MARCH 5, 2024

When we analyze the same size/ROA relationship using banks’ efficiency ratios, it is not surprising that community banks (under $10B in asset size) have, on average, a 5% higher efficiency ratio than regional banks ($10B to $50B in asset size) as shown in the graph below. Larger loans have lower credit risk, all else equal.

Community Bank 195

Community Bank Community National Lending 195

American Banker

NOVEMBER 5, 2020

Executives from a half-dozen major financial institutions avoided detailed commercial lending forecasts and gave a mixed outlook on consumer credit at an industry conference. And they called on Washington to pass an aid package targeted at the most troubled business sectors as soon as it can.

Lending 57

Lending Washington Conference Industry 57

PYMNTS

JULY 31, 2019

Andy Rowe is Enterprise Customer Excellence executive, and Elli Dai has been hired as Small Business and Personal Lending Group executive. Kowach has more than 28 years in the financial services industry, most with Wells Fargo Advisors, where he was most recently president and head.

Community Bank 147

Community Bank Lending Regional Strategy 147

FirstInternet

FEBRUARY 24, 2021

Here are some critical questions that borrowers should ask of potential lending partners, and details they should know about the process: 1. Services can include: Single Tenant Net Lease Financing: Lending for national and regional tenants, such as drugstores, restaurants, convenience stores and others. Check us out!

Lending 52

Lending Community Training Taxes 52

PYMNTS

MAY 10, 2016

But, of course, no two consumers are exactly alike – especially when comparing consumers across different regions of the world. There hasn’t been enough awareness building in the industry as to how secure mobile payments are.” On the P2P lending side, those numbers were even less favorable. In the U.K.,

Regional 100

Regional Payments Study Cards 100

Abrigo

JULY 14, 2023

Before finalizing this goal, management should consider the following: Historical trends Current CRE concentrations Market analysis Loan pricing considerations Real estate industry performance and Peer comparisons. Industry borrower data. For example, your top goal for next year might be to expand your lending geographic footprint.

Strategy 195

Strategy Data Analytics Analysis 195

South State Correspondent

SEPTEMBER 20, 2023

In this article, we discuss cash management profitability and rank the most profitable industries for banks to go after. We ranked the Top 20 Deposit-Rich Industries ( HERE ). As can be seen below, Client 2, because of the nature of their industry, has much greater variability in their cash flow.

Management 195

Management Survey Industry Community Bank 195

PYMNTS

AUGUST 6, 2018

Australian money managers are finding an opportunity in enterprise and small business lending as regulators crack down on the country’s traditional banking industry. Given the increase in the cost of funding banks are exposed to, it makes it more marginal for them to continue lending to corporates.

Management 100

Management Lending Regulation Industry 100

Abrigo

FEBRUARY 17, 2015

Which areas of lending and what banks are driving the expansion? Community banks (under $10 billion in assets) and regional banks (between $10 and $50 billion) represent 21 percent and nine percent, respectively. Commercial and industrial (C&I) and commercial real estate (CRE) loans comprise 22 percent and 20 percent, respectively.

St. Louis 150

St. Louis Lending Community Bank Regional 150

PYMNTS

AUGUST 22, 2019

The funding is one of four £10m Pool C grants from the Capability and Innovation Fund (CIF), which is awarded by BCR to help businesses improve lending or payment services to SMEs across the U.K. The grant will enable iwoca to open a regional office with at least 50 staff members outside of London.

Lending 101

Lending Regional US Industry 101

PYMNTS

MARCH 19, 2019

While the industry has expanded quickly to a large and complex scale over the years, regulatory directions keep changing and different regions have different rules.”. However, though the company expanded quickly in 2017 and 2018, Beijing’s crackdown on certain lending practices forced Dianrong to decline in the second half of 2018.

Regulation 138

Regulation Regional Lending Compliance 138

PYMNTS

JULY 7, 2020

This week’s look at the latest bank-FinTech tie-ups shows Banking-as-a-Service and other FinTech players embracing smaller regional and community banks to elevate small- to medium-sized business (SMBs) and corporate banking offerings. For more community banks, the latter strategy can fast-track digitization initiatives. Oxbury , a U.K.-based

Community Bank 242

Community Bank Community Fintech Regional 242