STORIES OF IMPACT

STORIES OF IMPACT


ARTICLES BY ENDURANCE     SEE ALL

  • 2024 CRE Crisis

    Lineage Bank - Lessons for Banks of all Stripes by Stephen Curry

    March 7, 2024 On February 23rd, the Federal Deposit Insurance Corporation (FDIC) announced a consent order with Tennessee-based Lineage Bank regarding its third-party risk management program and financial technology (fintech) partners. This order underscores the regulatory attention on BaaS banks and fintech clients, signaling concerns about potential risks in the financial system.

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  • 2024 CRE Crisis

    2024: Regulatory Intensity Ahead by Stephen Curry

    January 23, 2024 Last year saw turmoil in the banking industry. The multiple bank failures of 2023 sparked regulatory intensity that will undoubtedly continue into 2024 and the federal agencies’ commitment to addressing key priorities before the fall election will fan the flames.

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  • 2024 CRE Crisis

    Navigating Your Bank’s M&A Opportunity in 2024 by Endurance Advisory Partners

    January 23, 2024 In 2023, bankers faced their most prolonged challenges to mergers since the 2008–2009 Global Liquidity Crisis. Optimism prevails for 2024. According to Bank Director's 2024 Bank M&A Survey, sponsored by Crowe, approximately one-third of bank executives and directors anticipate their bank will acquire another institution by the end of 2024.

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  • 2024 CRE Crisis

    2024 – A Growing Commercial Real Estate Crisis by Endurance Advisory Partners

    January 22, 2024 Rising interest rates, structural shifts in remote working, and changes in retail sales and distribution are having a dramatic impact on commercial real estate. While delinquencies, distress, and fire sales haven't been widespread so far, there's a looming concern as a maturity refinancing wall approaches this year. Underwriting and valuations are expected to undergo significant changes in 2024.

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  • view from ground of three surrounding skyscrapers

    Important Considerations for Banks with High CRE Exposure by Stephen Curry and Jason Pumpelly

    December 20, 2023 The FDIC issued a new FIL directive targeting institutions with high concentrations in Commercial Real Estate (CRE). Their guidance outlines specific criteria triggering heightened regulatory monitoring, signaling increased scrutiny during the next examination, or possibly sooner.

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  • The New CRA Summary by Steven Patrick

    The CRE Storm: Proactive Measures Amidst the Growing Crisis by Steve Everbach, Joe Siegel and Steven Patrick

    November 30, 2023 Rising interest rates and the structural shift towards remote work are significantly impacting commercial real estate. While delinquencies, distress, and fire sales haven't been common to date, this may soon change. Banks play a crucial role in commercial real estate projects, and many loans made in better times are now maturing in challenging times.

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NEWSLETTERS     SEE ALL

  • This Week at Endurance Newsletter

    This Week at Endurance Newsletter #36

    May 17, 2024 - HIGHER, LONGER: HOW BANKERS MIGHT APPROACH TODAY’S INTEREST-RATE ENVIRONMENT BY STEVEN PATRICK FEATURED IN BAI - One major concern for bankers is the Federal Reserve’s interest-rate outlook, surpassing credit concerns and regulatory uncertainty. Read More

  • This Week at Endurance Newsletter

    This Week at Endurance Newsletter #35

    April 4, 2024 - THE EXPLODING FINTECH SCENARIO, INVISIBLE TECHNOLOGY AND ARTIFICIAL INTELLIGENCE FEATURING STEPHEN CURRY - In a constantly changing environment, financial institutions are continuing to pursue ways to increase efficiencies, better productivity and increase profitability. Read More

  • This Week at Endurance Newsletter

    This Week at Endurance Newsletter #34

    March 15, 2024 - ENDURANCE ADVISORY FEATURED IN MANAGECFO MAGAZINE - Endurance Advisory featured by ManageCFO magazine for their fractional CFO and CRO successes. Read More

  • This Week at Endurance Newsletter

    This Week at Endurance Newsletter #33

    March 8, 2024 - LINEAGE BANK - LESSONS FOR BANKS OF ALL STRIPES BY STEPHEN CURRY - On February 23rd, the Federal Deposit Insurance Corporation (FDIC) announced a consent order with Tennessee-based Lineage Bank regarding its third-party risk management program and financial technology (fintech) partners. Read More

  • This Week at Endurance Newsletter

    This Week at Endurance Newsletter #32

    January 26, 2024 - NAVIGATING YOUR BANK’S M&A OPPORTUNITY IN 2024 BY ENDURANCE ADVISORY PARTNERS - In 2023, bankers faced their most prolonged challenges to mergers since the 2008–2009 Global Liquidity Crisis. Optimism prevails for 2024... Read More

  • This Week at Endurance Newsletter

    This Week at Endurance Newsletter #31

    December 22, 2024 - BANKADELIC: THE COLORFUL SIDE OF FINANCE TODAY - The marketing team at the popular Bankadelic podcast rolled out their final edition of 2023 featuring our leader, Stephen Curry. Read More

ARTICLES PUBLISHED IN THE MEDIA     SEE ALL

  • Percentages trending upwared on digital graph with a person standing behind the graph

    Higher, longer: How bankers might approach today’s interest-rate environment - Featured in BAI

    One major concern for bankers is the Federal Reserve’s interest-rate outlook, surpassing credit concerns and regulatory uncertainty. It would be wise to heed Chairman Jerome Powell’s advice and accept the reality of higher interest rates for an extended period, especially as stubborn inflation has persisted.

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  • Stephen Curry Another Year of Regulatory Intesity in BankDirector

    How Much Liquidity Is Enough? - Featured in BankDirector

    Liquidity is a critical component of a bank's financial stability, impacting its ability to meet short-term financial obligations and weather unforeseen economic challenges. The ideal level of liquidity for a bank is influenced by a multitude of factors, including its size, business model, risk tolerance, and regulatory obligations.

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  • Stephen Curry Another Year of Regulatory Intesity in BankDirector

    2024: Another Year of Regulatory Intensity - Featured in BankDirector

    Last year saw turmoil in the banking industry. The multiple bank failures of 2023 sparked regulatory intensity that will undoubtedly continue into 2024 and the federal agencies’ commitment to addressing key priorities before the fall election will fan the flames.

    Read More
  • Stephen Curry Banks of All Stripes in BankDirector

    Lineage Bank - Lessons for Banks of All Stripes - Featured in BankDirector

    On February 23rd, the Federal Deposit Insurance Corporation (FDIC) announced a consent order with Tennessee-based Lineage Bank regarding its third-party risk management program and financial technology (fintech) partners. This order underscores the regulatory attention on BaaS banks and fintech clients, signaling concerns about potential risks in the financial system.

    Read More
  • Stephen Curry Manage CFO Article

    Endurance Advisory Partners: Position Your Business for Long-term Success - Featured in Manage CFO

    Endurance Advisory featured by ManageCFO magazine for their fractional CFO and CRO successes. Endurance provides businesses with the agility and flexibility to access tailored financial guidance precisely when it’s needed most, without the burden of maintaining a permanent, fixed-cost infrastructure.

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  • Steven Patrick CRA Framework Article

    Breaking Down the New CRA Framework - Featured in Georgia Communities First Magazine

    Banking regulators have finally released the long-awaited final rule reforming Community Reinvestment Act (CRA) regulations—a regulation that often receives mixed sentiments from bankers. Fortunately (or unfortunately), regulatory changes typically unfold incrementally. The new rules, therefore, build upon existing ones rather than taking a wholly new direction.

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ENDURANCE IN THE NEWS     SEE ALL

  • Endurance Advisory Partners Expands its Advisory Board with the Addition of Roger Beverage

    Endurance Advisory Partners Expands Commercial Real Estate Advisory Services with Addition of Jason Pumpelly

    Pumpelly brings 30 years of experience in capital markets to the table from his time at firms such as Cushman & Wakefield, Johnson Capital and HFF. His expertise on credit markets and access to debt and equity alternatives give Endurance clients a unique edge.

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  • Endurance Advisory Partners Expands its Advisory Board with the Addition of Roger Beverage

    Bankadelic's Third Annual Bank to School Special Podcast featuring Stephen Curry

    Bankadelic’s “Bank to School” special episodes have ranked among our most popular over the years, and our five guests this time around raise the GPA to new heights. Join Professor Lou as he quizzes them about 2023’s teachable moments, the banking industry’s honor-roll-worthy innovations, their agendas for learning — and the best excuse each one had for not turning in their homework.

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  • Endurance Advisory Partners Expands its Advisory Board with the Addition of Roger Beverage

    Endurance Advisory Partners selects William Mills Agency for PR

    William Mills Agency, the nation’s largest independent public relations and marketing firm specializing in financial technology, has been selected by Endurance Advisory Partners as its public relations agency of record.

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  • Endurance Advisory Partners Expands its Advisory Board with the Addition of Roger Beverage

    Endurance Advisory Partners Expands its Advisory Board with the Addition of Roger Beverage

    Endurance Advisory Partners announced that it named Roger Beverage to its advisory board. Roger will serve a pivotal role and advise Endurance as it expands the business with a focus on helping financial institutions in the areas of strategic initiatives, risk, technology and operational insights to thrive in the competitive market of banking.

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  • Person climbing mountains

    Stephen Curry Comments on Banking deals snapshot

    A downturn in deals throughout 2020 meant that many banks paused efforts for growth, a position that can only be sustained for so long. Now, the challenges and changes wrought by the pandemic have a flip side: new opportunities for growth...“Consolidation is definitely in the winds,” said Stephen Curry, CEO of the bank consulting firm Endurance Advisory Partners.

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  • People pulling large puzzle pieces together

    The Role of Predictive KYC in Fighting Money Laundering | Bank Info Security

    Two of our experts, Larry Gordon and Dr. Kathleen Gowin, offer discussion about leveraging both technical and non-technical solutions to improve customer KYC processes in a video interview with Bank Info Security.

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White Papers     SEE ALL

  • Managing Commercial Real Estate Concentrations in a Challenging Economic Environment

    Managing Commercial Real Estate Concentrations in a Challenging Economic Environment

    This advisory to insured state non-member banks and savings associations (FDIC-supervised institutions) reemphasizes the importance of strong capital, appropriate credit loss allowance levels, and robust credit risk-management practices when managing commercial real estate (CRE) concentrations. This advisory replaces an advisory issued in 20081 that emphasized these same points during a time when CRE market conditions had weakened, most notably in the construction and development (C&D) sector.

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  • Ten Key Regulatory Challenges of 2024

    Ten Key Regulatory Challenges of 2024

    We are experiencing a level of regulatory intensity rarely seen— not the simple effect of “net-new” regulations but the combination of a high-volume of regulatory issuances, the complexity and breadth of regulatory supervision, and the impact that these changes impose across the organization.

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  • Person climbing mountains

    A Spartan Race Is Scheduled For Some Office Owners

    One year ago, today the country shut down and I left my office for what I thought may be a few weeks. A few has turned into 52 and a new pandemic has changed the commercial office market in ways we never imagined a year ago.

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  • People pulling large puzzle pieces together

    Affiliate Restrictions Considerations For Non-banks Converting To, Or Acquiring, A Bank

    Many non-banks consider acquiring a bank (or establishing a de novo bank) to serve their customers and capture benefits afforded to a bank.

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  • Outside of a bank building

    Important Synergies And Complexities For Non-bank Conversions To A Bank

    Before embarking on this strategy, it is critical to determine the order of magnitude of the benefits as well as the costs of operating in the tightly controlled bank environment.

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  • Hand holding smartphone with digital banking image overlays

    Digital Banking Strategies For Community Banks

    Does your institution have a plan for digital? Your team should have a sense of the gaps in your platform required to enable a full digital experience.

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