Safety and soundness exams are the toughest they have been in years
It has been over four months since the collapse of Silicon Valley Bank. It seemed obvious at the time that regulators were going to change their posture towards...
Safety and soundness exams are the toughest they have been in years
It has been over four months since the collapse of Silicon Valley Bank. It seemed obvious at the time that regulators were going to change their posture towards...
Every bank needs to reassess to their strategic and capital plans because of this past week’s events. Optimizing self-sustaining liquidity levels and real capital levels should be the highest priority right now.
A key recession indicator is now at its highest point in 42 years.
Regulators are more concerned about capital in the banking industry than at any point since the 2008 Financial Crisis. This includes the 2020 Pandemic which saw regulators go out of their way to help banks handwave away concerns...
No matter the regulator, community banks with concentration issues should expect extra scrutiny at their next exam. Banks without proper concentration risk management processes are in danger of CAMELS downgrades, enforcement...
Reporting on and understanding wildfire risks
If you work for a bank that has a CRE or construction concentration, you most likely know that regulators have you in their cross hairs. I’ve seen several instances over the last few weeks in which examiners have notified banks...
Both the FDIC and the OCC have signaled in recent weeks that they expect community banks to begin understanding their climate-related risks “in the near term.”
The pressure is continuing to increase on banks with CRE concentrations. First it was the FDIC, which put community banks with CRE concentrations in its crosshairs when the supervisory division released its update on commercial...