2007 Community Bank Management National 
South State Correspondent
AUGUST 22, 2023
If one product is the future of banking, it is treasury management. With a competitive offering, it will be easier to attract the small business and mid-sized companies that a bank needs to fuel its core growth. This likely creates the most significant single profitability lift for any bank.
Independent Banker
NOVEMBER 30, 2022
Clockwise from top left: Grand Ridge National Bank, Wheaton, Ill.; Community Financial Services Bank, Benton, Ky.; Bank of Montana, Missoula, Mont.; CNB Bank, Berkeley Springs, W.Va.; Midwest Bank, Norfolk, Neb. Can Bank of Montana’s success be replicated? Grand Ridge National Bank.
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Jeff For Banks
JANUARY 14, 2021
In June of 2008 I gave a speech titled "The Death of the Community Bank" and in that speech I made predictions. Prediction: The General Bank will become extinct. Much like competitors nip at community banks' customers. Eighteen percent of that group opened an account at a digital bank. Result: Mixed.
South State Correspondent
JUNE 21, 2022
This decision coincided with rate hikes by the Swiss National Bank, its first since 2007, the Bank of England, and the European Central Bank announced at an emergency meeting that they would raise interest rates next month and again in September. Conclusion.
South State Correspondent
APRIL 10, 2023
CRE Risk Background While ten years ago, community and regional banks use to make up some 55% of the CRE market, in 2023, these banks now compose approximately 72% (below). The risk here is that community banks continue to take on an above-average amount of CRE credit exposure. touched off a wave of bankruptcies.
South State Correspondent
MAY 9, 2022
In our previous article ( HERE ), we reviewed the banking industry’s cost of funding earning assets (COF), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle. How to Apply to Your Bank. Influences on Deposit Beta.
South State Correspondent
JUNE 13, 2022
Banks that are looking to enhance their risk management practices should consider incorporating the concept of the velocity of risk into their enterprise-wide risk management practices. Instantly, the cash flow for those businesses that many community banks lent to is impacted. Optimizing Risk.
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