#community banking
Articles tagged with "community banking"
UBPR Peer Groups: Percentiles and Why Yours Changed
The UBPR compares your bank against a peer group, but the peer group is assigned by rule, changes as your bank changes, and the …
Community Bank Leverage Ratio (CBLR): The 8% Election
The Community Bank Leverage Ratio lets a qualifying bank under $10 billion skip the risk-weighted capital math and prove it is well capitalized with …
How to Read a Bank's Enforcement History, Order by Order
A consent order against a bank sounds alarming, but it is a specific, defined regulatory tool, not a sign the bank is failing. This …
FFIEC 031 vs 041 vs 051: Which Call Report to File
Every US bank files one of three call report forms: the FFIEC 031, 041, or 051. Which one depends on the bank's asset size …
CRE Concentration at Community Banks: The 300% Test
Picture a community bank whose CRE book is flat for two years while its CRE-to-capital ratio climbs anyway. It made no new CRE loans; …
Wholesale Funding and Community Bank Liquidity Risk
When brokered CDs start repricing faster than your loan book earns through, the ALCO room gets quiet in a specific way. Every treasurer at …
Bank Regulatory Data Analysis: Getting More From Benchmarks
When the Fed raised rates 525 basis points in about 16 months (March 2022 to July 2023), cumulative deposit beta for the median bank …
FFIEC Call Report Data: What It Contains and How to Use It
When the Fed raised rates 525 basis points in about 16 months (March 2022 to July 2023), cumulative deposit beta for the median bank …
FDIC Bank Failure Data: What History Tells Us About Risk
Between 2008 and 2012, the FDIC closed 465 banks. At the peak, 2010 alone, 157 institutions failed, carrying about $92 billion in combined assets …
Community Bank Risk Indicators: What to Watch
Community banks are not small versions of large banks. They carry concentrated loan books, thinner capital buffers, and balance sheets that move in lockstep …