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Tag: Community Banking


Capital and Risk, Macroeconomic

Small-bank executives in near-universal agreement that recession is coming

July 13, 2022

Via: American Banker

Small-bank executives overwhelmingly think the U.S. economy will fall into a recession by 2023. In an online survey conducted June 21-30, a whopping 96% of community bank leaders said they expect an economic decline to strike by the end of […]


Activity, Corporate Banking

The top three community banking trends for 2022

October 26, 2021

Via: FinTech Futures

Competition in the banking sector has heated up over the past year as a result of the COVID-19 pandemic accelerating the shift to digital services. But, as businesses and local communities re-engage with more in-person interactions, community financial institutions (CFIs) […]


Capital and Risk, Liquidity

Drought hits community banks’ deposit farm

April 5, 2018

Via: Banking Exchange

How times have changed! Back in 2010, the horse was already out of the barn with respect to liquidity risk. As such, the expansion of liquidity management expectations set in “Interagency Statement on Funding and Liquidity Risk Management” was a […]


Activity, Corporate Banking

7 ways “conduct risk” can be handled by bank boards

January 12, 2018

Via: Banking Exchange

Serving on a bank board in the U.S. has never been a low-risk proposition. But now, after Wells Fargo’s sales practices consent orders, enforcement actions, civil money penalties, and subsequent investigations, the responsibilities of a bank board member have come […]


Uncategorized

Why and how Bank of the Ozarks cut holding company

August 22, 2017

Via: Banking Exchange

For Bank of the Ozarks Chairman and CEO George Gleason II, the administrative, regulatory, and accounting costs of operating a bank holding company, or BHC, simply outweighed the benefits. “If you own a lake house but you never go there […]


Channels

Bank web lending can be faster and cheaper

July 9, 2017

Via: Banking Exchange

The cover of Tompkins Financial’s annual report bears the slogan, “Locally focused; A world of possibilities.” And that was part of the $6.2 billion-assets company’s thinking when it adopted an web-based commercial loan application system earlier this year that it […]


Capital and Risk, Credit

Why deposit strategy must be a top priority

May 23, 2017

Via: Banking Exchange

It’s time to accept the reality that deposit costs are likely to increase. The questions at hand are: • How quickly will this increase play out? • How will net interest margin performance be impacted? Prelude to general rate hikes […]


Capital and Risk, Liquidity

Upward push on deposit rates

May 22, 2017

Via: Banking Exchange

Even as rates increased over the last 18 months, deposit costs have only moved modestly higher but funding pressures could emerge as the pace of short-term rate hikes picks up. Eye on deposit betas Deposit costs inched higher in 2016 […]


Activity, Corporate Banking

More sellers than buyers in small bank M&A

May 22, 2017

Via: Banking Exchange

Despite a long-running consolidation trend in banking and a recent run-up in stock valuations, small privately owned banks interested in selling are having a tough time finding a buyer. Panelists and attendees at the D.A. Davidson Financial Institutions Group Summit […]


Activity, Corporate Banking

Lessons for boards from the Wells scandal

May 10, 2017

Via: Banking Exchange

The ongoing difficulties that Wells Fargo has experienced stemming from the phony account scandal certainly serves as a learning point for chairmen and directors alike. Recently, before the Wells annual stockholders meeting in April, one of the proxy advisory firms […]


Capital and Risk, Credit, Regulations

How will your bank fare under tax reform?

May 5, 2017

Via: Banking Exchange

The pressure to complete tax reform is immense, ongoing, and far-reaching. There is bipartisan consensus that the U.S. corporate tax system is not competitive, as currently structured. And while its precise form, rates, and provisions may still be undetermined, enough […]


Channels

Time to fix banking’s plumbing

April 10, 2017

Via: Banking Exchange

When the subject of innovation comes up, Suresh Ramamurthi recalls how a few years ago, one of the major U.S. automakers ran a commercial showing two truck owners comparing their vehicles. “Well, my truck has WiFi. Does yours?” one owner […]


Activity, Trading

Who gets market’s lift most

March 13, 2017

Via: Banking Exchange

Banking industry stock valuations have continued to increase in 2017. As of Feb. 28, the median price-to-tangible book value ratio for major exchange-traded U.S. banks and thrifts was 184.6%, up 18.8 percentage points from SNL’s last quarterly analysis on Nov. […]


Activity, Corporate Banking

Agile Banking: How you remain relevant

March 6, 2017

Via: Banking Exchange

“Agile banking,” a term of the moment, becomes something to take seriously when it is shown to cut costs, increase efficiency, please and retain customers, empower employees, and add to the bottom line. Make no mistake, agile banking is a […]


Capital and Risk, Macroeconomic

How much deposit costs increase is anyone’s guess

February 24, 2017

Via: Banking Exchange

Deposit costs across the banking industry will increase, but by how much is debatable. Banks of varying sizes and in different markets have included a variety of deposit betas—or how much of the changes in market rates they will have […]


Activity, Corporate Banking, Regulations

Have you taken advantage of sub-debt option?

August 16, 2016

Via: Banking Exchange

The use of debt financing to provide capital expanded greatly on Dec. 11, 2014 for a large group of financial institution holding companies when both chambers of Congress passed legislation that increased the total asset size for holding companies to […]


Retail Banking

Building relationships on analytics

July 8, 2016

Via: Banking Exchange

It’s hard not to wonder why more bankers wouldn’t leave their big-bank jobs after hearing Ben Wallace’s story. Wallace first worked at First USA, which was acquired by Bank One, and then ultimately became part of JPMorgan Chase. He ended […]


Activity, Corporate Banking

Small bank nurturing takes patience and guts

May 6, 2016

Via: Banking Exchange

In the first quarter of 2016 many community banks saw sizable year-over-year growth in operating revenue amid acquisitions, regional pockets of strength, and improving loan growth. This analysis looks at banks with less than $10 billion in assets that, as […]


Activity, Corporate Banking

Why your bank needs a capital plan

April 26, 2016

Via: Banking Exchange

Three significant events have altered expectations for capital plans. First, as of Jan. 1, 2015, banks had to comply with the new BASEL III capital requirements, including the new “capital conservation buffer.” Second, regulatory authorities now view strategic planning and […]