13 May Where Does Your AOCI Go Next?
We recently published a post by my partner, Adam Mustafa, noting that AFS bond portfolio losses across the industry reached record levels in the first quarter of 2022. While...
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06 May News Alert: The Bond Market Wiped out $36 billion of Capital from Community and Mid-Sized Banks in the First Quarter
The bond portfolios of community banks are on fire right now, in a very bad way. With 99 percent of community banks filing their first quarter call reports for...
11 Feb What Community Banks Can Learn from the Fed’s Stress Test Scenarios (or Not)
Most community banks have barely gotten started down the CECL road as of mid-September 2021. The primary reason is simple. The individuals responsible for implementing CECL at your bank have...
15 Oct The New Way to Manage Concentrations in a Post-Pandemic World
Concentration management is becoming a dynamic and data-driven process in the post-pandemic world. Community banks that have always managed their concentrations by simply throwing darts at a board will find...
23 Sep A 15-Month CECL Playbook for 2023 Banks
Most community banks have barely gotten started down the CECL road as of mid-September 2021. The primary reason is simple. The individuals responsible for implementing CECL at your bank have...
14 Sep The Evolving Role of Management and Directors in a Post-Pandemic World
Many community bankers and their boards are entering the post-pandemic world blindfolded. The pandemic had an uneven impact on industries within their geographic footprints, and there is no historical precedent...
24 Aug 10 Last-Minute Questions for 2023 CECL Banks to Ask Their Potential Vendor
The clock is starting to tick for community banks that must adopt the CECL standard by January 1, 2023. It’s mid-August and many banks still have not picked a software...
21 Jul Strategic Analysis Should Surpass Investment Banking Ties in Bank M&A, Expert Says
As community and regional bank mergers and acquisitions accelerate in the post-pandemic world, the advisory process “will require an altered approach,” argues bank consultant Joe Fenech in a blog post...
25 May Pie Growth vs Market Share Wars: The Post-Pandemic Loan Growth Mystery
The 2020 Pandemic marks the end of the post-2008 recovery business cycle for the banking industry and the economy as a whole. As we enter the post-pandemic economy, community banks...
21 May PD/LGD Emerges as Top CECL Methodology
Community banks are maxing out their own lending limits for certain types of loans. Bank management must go to the board of directors for permission to raise the limits so...