Bruce Murphy, head of corporate responsibility at KeyCorp
Regulators, advocacy groups and attorneys general are paying close attention to how banks market to and serve different racial and economic groups. There are several things banks can do to protect themselves when putting together a strategic plan.

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Hancock CEO Carl Chaney
Prosperity Bancshares and Hancock Holding knew they would lose significant interchange income when they hit the $10 billion mark, but they were not quite ready for the increased regulatory scrutiny that came with that growth.

Jimmy Tallent, president and CEO of United Community Banks (Image: Adam Komich)
Jimmy Tallent is leading an impressive comeback at United Community Banks in Georgia. But what's even more impressive is that he got the chance.
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Yield-seeking investors have fueled a niche bond business that is financing community banks, through the sale of higher-risk, subordinated debt. It is unclear whether the banks need all that capital.

Capital Bank Financial CEO Eugene Taylor
Capital Bank Financial shares a problem with other investor-backed companies built to make a lot of bank acquisitions: their stocks trade at low premiums because they are overcapitalized, but they are unable to deploy their capital in M&A deals because of those low stock values.

Several cities, including Chicago and Atlanta, have seen dramatic rates of improvement in delinquent commercial loans but are still short of the national norm. That leaves them more vulnerable if another downturn occurs in the highly competitive business-lending market.

Image: Thinkstock
Albina Community Bancorp is one of few lenders to recapitalize and sell its bank despite an overhang of trust-preferred debt at the parent company. Still, an investor is threatening to force involuntary bankruptcy — a sign of just how tough it is for banks to escape the trust-preferred trap.

In the banking world, Ron Hermance was known as a skillful leader who helped build Hudson City Bancorp into a $38 billion-asset company that largely avoided the credit implosions that doomed many other banks during the financial crisis.

Interest in a market for buying and selling nonguaranteed portions of SBA loans is slowly taking shape as a need for earning assets outweighs concerns over risk and underwriting costs.

Nope, it's not more money, at least not directly. The key to hiring a good loan officer, or retaining one, is said to be showing that your mortgage shop can close loans on time, act professionally and protect employees' reputations in the market.

The American Association of Bank Directors recently hired policy veteran Rich Whiting as executive director, and he immediately helped weigh in on some new OCC standards that concerned the trade group.

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