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Small banks: Big challenges and big opportunities

Abrigo

For smaller banks, longer-term industry consolidation trends and competition are also eroding deposit market share. According to the Federal Reserve Bank of Kansas City , community banks’ deposit market share dropped to 15% in 2022 from 22% in 2013. People have other options,” Kirby said. The result? The result?

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How to stress test your ag portfolio

Abrigo

The report, from the Federal Reserve Bank of Kansas City , stated that demand could remain high since futures markets for fall crops show prices are likely to remain low because of the potential for another record harvest. The challenge is that market conditions in this type of lending tend to be volatile.

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Non-performing ag loans increase, says lender survey

Abrigo

Agricultural lenders are reporting increases in non-performing farms loans and decreased farmland values, according to the latest Agricultural Lender Survey conducted by the Kansas State University Department of Agricultural Economics. Lenders cited lower commodity prices, rising operating costs and the softening of cash rents. “One

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State Regulation, Conference of State Bank Supervisors, Financial Services, FinTech, Charles Clark, Washington State Department of Financial Institutions, License, Regulation, Bank of Indonesia, FinTech, Bitcoin, Cryptocurrency, News

PYMNTS

Through the Conference of State Bank Supervisors, Georgia, Illinois, Kansas, Massachusetts, Texas, Tennessee and Washington are looking to standardize the ways firms across traditional financial services and FinTech upstarts apply for, and are granted, licenses. Can the states make licensing – of the money movement kind – any easier?

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CFPB issues request for information and report in conjunction with release of proposed payday/auto title/high-rate installment loan rule

CFPB Monitor

” In other words, “the Bureau is seeking information about certain consumer lending practices to increase the Bureau’s understanding of whether there is a need and basis for potential future efforts, including but not limited to future rulemakings, supervisory examinations, or enforcement investigations.”

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CFPB releases Spring 2016 rulemaking agenda

CFPB Monitor

The Spring 2016 agenda also does not reflect the CFPB’s announcement that it will hold a field hearing on small dollar lending in Kansas City, Missouri on June 2, 2016. Small business lending data. We do not expect to see a final rule until next year. Payday and deposit advance loans. ” Mortgage rules.

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Agricultural Alert!

Independent Banker

million farms and the community banks that lend to them each growing season, Scanlan points out. Falling crop prices—exaggerated by weak currencies in many foreign markets—are expected to pressure U.S. The Federal Reserve Bank noted that increases in short-term lending “have occurred amid a significant decline in income.”