Echo Partners Community Bank Blog

Bank Ratings and Bank Failures January 23 2015

Posted by Howard Lothrop

Piggy_BankOn Friday January 23, the FDIC was named receiver for Highland Community Bank (IL).

A link to our bank rating report is shown below.

Highland Community Bank

As is typical, an examination of the financial position of this bank indicates well below normal capital levels and elevated noncurrent assets. 

You can learn more about our bank ratings system, including video tutorials, on our website.

 

 

 

Photo provided by Nina Matthews Photography

Topics: bank regulators, Bank Ratings, Bank Failure

Bank Ratings and Bank Failures January 16 2015

Posted by Howard Lothrop

Piggy_BankOn Friday January 16, the FDIC was named receiver for First National Bank of Crestview (FL).

A link to our bank rating report is shown below.

First National Bank of Crestview

As is typical, an examination of the financial position of this bank indicates well below normal capital levels. The above normal Texas Ratio stems more from capital shortage than from nonperforming assets.

You can learn more about our bank ratings system, including video tutorials, on our website.

 

 

 

Photo provided by Nina Matthews Photography

Topics: bank regulators, Bank Ratings, Bank Failure

Bank Ratings and Bank Failures December 19 2014

Posted by Howard Lothrop

Z--Projects-HubSpot-Flckr-Piggy_BankOn Friday December 19, the FDIC was named receiver for Northern Star Bank (MN).

A link to our bank rating report is shown below.

Northern Star Bank

As is typical, an examination of the financial position of this bank indicates well below normal capital levels. 

You can learn more about our bank ratings system, including video tutorials, on our website.

 

 

 

Photo provided by Nina Matthews Photography

7 Steps to Deposit Study Success

Posted by Howard Lothrop

BankVaultIt's no secret that regulators have been focused on bank-specific assumptions, particularly deposit assumptions.  It's also no secret that the most inquiries and questions that I get concern deposit study issues.

Please join me for a webinar "7 Steps to Deposit Study Success" on Friday November 21 at 3pm ET where I will uncover and explore the steps involved in creating an accurate deposit study, acceptable to your regulator.

All attendees will recieve a copy of my 7 Steps to Deposit Study Success roadmap.  Click here to register

Topics covered will include data prep, decay, beta, surge and extracting asset liability inputs from the study results. 

This training webinar is suitable for all community banks investigating deposit study methodologies.

There are really only 2 types of banks right now:  Those who have been told by their regulator to get bank-specific deposit assumptions, and those who are going to be told by their regulator to get bank-specific deposit assumptions.

Take this first step to get in front of this important issue now.

All attendees will recieve a copy of my 7 Steps to Deposit Study Success roadmap.  Click here to register

 

Photo provided by Ishmael Orendain

Topics: bank regulators, community bank, deposit study

Bank Ratings and Bank Failures November 7 2014

Posted by Howard Lothrop

Piggy BankOn Friday November 7, the FDIC was named receiver for Frontier Bank FSB (CA).

A link to our bank rating report is shown below.

Frontier Bank

As is typical, an examination of the financial position of this bank indicates well below normal capital levels and generally above normal noncurrent loans.

You can learn more about our bank ratings system, including video tutorials, on our website.

 

 

 

Photo provided by Nina Matthews Photography

Topics: bank regulators, Bank Ratings, Bank Failure, community bank

Bank Ratings and Bank Failures November 7 2014

Posted by Howard Lothrop

Piggy_BankOn Friday November 7, the FDIC was named receiver for Frontier Bank FSB (CA).

A link to our bank rating report is shown below.

Frontier Bank

As is typical, an examination of the financial position of this bank indicates well below normal capital levels and generally above normal noncurrent loans.

You can learn more about our bank ratings system, including video tutorials, on our website.

 

 

 

Photo provided by Nina Matthews Photography

Path to the Community Bank Executive Suite

Posted by Howard Lothrop

CareerWhat bankers say, in their own words, about the important factors in getting to that next level of community bank success. It's a quick read.   Read the post here.

Here are the top 6 qualities:

  1. Initiative
  2. Integrity
  3. Perseverance
  4. Enthusiasm
  5. Vision
  6. Education

 The quotes from our community bankers are insightful and inspiring.  Take a look and let me know your thoughts.

If you prefer a pdf click here instead.

Topics: community bank

Bank Ratings and Bank Failures October 24 2014

Posted by Howard Lothrop

piggy bankOn Friday October 24, the FDIC was named receiver for The National Republic Bank of Chicago (IL).

A link to our bank rating report is shown below.

The National Republic Bank of Chicago

As is typical, an examination of the financial position of this bank indicates well below normal capital levels and generally above normal noncurrent loans.

You can learn more about our bank ratings system, including video tutorials, on our website.

 

 

 

Photo provided by Nina Matthews Photography

Topics: Bank Ratings, Bank Failure, community bank

BCBA Partners With Pepperdine University on Capital Markets Study

Posted by Howard Lothrop

ResearchBest Community Banks Association (BCBA) has joined Pepperdine University as a Research Partner on the 2014 Pepperdine Private Capital Markets Project.

This important national study is used to provide capital markets insights to businesses and funding providers about current cost of capital trends.

Please participate in this important survey.

We are particularly looking for survey responses from community banks that provide senior or junior lending to private companies.  Follow the link below and on the second page of the survey select the type of capital provider that most closely represents your bank’s primary funding activity.

Please take a few minutes and visit the Pepperdine research site to participate in the survey, which is open online until October 31st.

All survey responses are held in the strictest of confidence and only aggregate results are reported in the study.

Survey participants will receive a complimentary early release of the comprehensive report on the survey before its public release in November.

Findings from the previous reports have been reported in The Wall Street Journal, New York Times, Venture Beat, Times, peHUB, TechCrunch and many other media outlets. Since 2009, thousands of capital professionals and business owners representing every market type and more than 60 countries have downloaded Pepperdine’s research.

You can learn more about the Pepperdine Private Capital Markets Project and access last year’s report at http://bschool.pepperdine.edu/privatecapital .

You can learn more about the Best Community Banks Association at http://BestCommunityBanks.org

Echo Partners is a proud supporter of both the Best Community Banks Association and the Pepperdine Private Capital Markets Project. 

 

 

Photo provided by AJ Cann

Topics: community bank, Best Community Banks Association, BCBA

Bank Ratings and Bank Failures October 17 2014

Posted by Howard Lothrop

piggy bankOn Friday October 17, the FDIC was named receiver for NBRS Financial (MD).

A link to our bank rating report is shown below.

NBRS Financial

As is typical, an examination of the financial position of this bank indicates well below normal capital levels and generally above normal noncurrent loans.

You can learn more about our bank ratings system, including video tutorials, on our website.

 

 

 

Photo provided by Nina Matthews Photography

Topics: bank regulators, Bank Ratings, Bank Failure, community bank