Independent Banker

APRIL 30, 2022

Ashley Horner (right), senior vice president and SBA loan administrator, shown with portfolio manager Melanie Elmore, says Summit Bank is on track to make $30 million in SBA loans this year. Loan providers share an infectious enthusiasm and growing optimism for one vertical’s prospects in 2022: commercial lending. Quick Stat.

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South State Correspondent

FEBRUARY 28, 2023

Why DSCR and LTV are Misleading Many banks believe that 1.20x DSCR and 75% LTV are good credit safeguards and that credits that started at those levels were unlikely candidates for special asset management. The current cap rate for all real estate categories is 6.06% – an increase from the 4.50% nadir reached in December 2021.

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Abrigo

JULY 20, 2021

From leveraging PPP technology to building relationships, reasons for boosting SBA lending are numerous. . Takeaway 1 SBA lending can expand your product offerings to help win deals with prospects and existing business customers or members. Why SBA Lending? Would you like others articles like this in your inbox? 1 and Sept.

Lending 195

Lending FDIC Capital Risk Management 195

Abrigo

FEBRUARY 27, 2020

Key Takeaways Financial institutions who want to maintain a healthy share of business lending this year and through potentially tougher economic times ahead want to be in the best position possible before trouble hits. Abrigo's Business Lending Readiness Survey found many processes stymie those efforts. learn more.

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South State Correspondent

SEPTEMBER 18, 2023

The banking industry’s average efficiency ratio worsened for the first time since 2021. Further, banks could achieve much greater credit diversification by managing the industries and geography they lend to than by managing loan size. That is, bank managers should incent the desired portfolio construction.

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Management How To Community Bank Community 195

Independent Banker

JANUARY 31, 2022

One of the harsh realities revealed by the flood of Paycheck Protection Program (PPP) money distributed in 2020 and 2021 is that many businesses and entrepreneurs in need of small-balance loans fell through the cracks. The bank partnered in early 2021 with Community LendingWorks, a Springfield, Ore., By Beth Mattson-Teig.

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Lending Community Community Bank Compliance 150

PYMNTS

DECEMBER 30, 2020

The migration of the procurement and purchasing process to seller platforms and digital marketplaces will be a driving force into 2021, B2B payment leaders agree, and this trend will drive further change in both payer and payee expectations. Shifting Business (And Payment) Models. A higher portion of businesses across all credit tiers.

Payments 297

Payments Innovation Cards Trends 297

Gonzobanker

DECEMBER 17, 2021

Gonzo readers, 2021 was just plain schizophrenic. 2021 fintech investments, merger activities, and overall focus were off the charts. Two, read and enjoy the 2021 GonzoBanker awards, our annual take on the best things we saw during the year. So which merger was the best in 2021? Doug Larson. THE BANKER AWARDS.

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Abrigo

SEPTEMBER 13, 2021

Banking Trends from the FDIC's 2Q Report Net interest margin reached a new record low, but positive signs emerged in lending. You might also like this webinar: "The Basics of Consumer Lending." Takeaway 3 The future looks brighter, as financial institutions have cash and capital, and opportunities are starting to unfold.

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South State Correspondent

JANUARY 17, 2024

We focused mainly on customer profitability and used risk-adjusted return on capital as a proxy for profitability. As we pointed out, bank management needs to understand how a bank creates franchise value, and one way is to sell more profitable products to more profitable customers. increase in M/B. While some banks do, many do not.

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PYMNTS

AUGUST 21, 2020

The move “will enable it to capitalize on the accelerating transition of millions of bank customers from branch-based activity to digital services during the COVID-19 pandemic,” the news outlet said. Although the bank has not confirmed the digital venture, the news outlet cited an “insider” as saying it could launch in early 2021.

Report 173

Report Digital Banking Lending Technology 173

Independent Banker

APRIL 30, 2022

Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. On the next pages, you’ll find our listings of the top-performing community banks of 2021 alongside interviews with some of the winners. Capital Community Bank. Illustration by Eight Hour Day.

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Community Bank Community Montana Taxes 172

CB Insights

JUNE 21, 2021

Future of Fintech 2021 (October 5-6, NYC) will provide updates on this activity and in-depth analysis on important trends driving financial services. Global lending marketplaces. Wealth Management & Capital Markets . The post 17 Key Trends Covered At Future Of Fintech 2021 appeared first on CB Insights Research.

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Trends Fintech Lending Analysis 74

CFPB Monitor

JUNE 10, 2022

The Federal Trade Commission provided its annual report to the Consumer Financial Protection Bureau on its enforcement and related activities in 2021 regarding the Truth in Lending Act (TILA), Consumer Leasing Act (CLA), and Electronic Fund Transfer Act (EFTA) (collectively, the “Financial Acts”). FTC in which the U.S.

Report 78

Report Lending Policies Training 78

PYMNTS

JULY 3, 2020

Commercial payments technology firm WEX landed a $400 million investment this week, but when it comes to venture capital, investors set their sights on B2B eCommerce, small business funding, payroll and more. PYMNTS breaks down the companies that did manage to secure funding, below. With a combined $43.3

Capital 161

Capital Fintech Security Operations 161

Jeff For Banks

DECEMBER 29, 2021

Total return includes two components: capital appreciation and dividends. As a point of reference, the S&P US BMI Bank Total Return Index for the five years ended December 27, 2021 was 60.4%. Silvergate Capital Corporation (NYSE: SI) #2. Silvergate Capital Corporation (NYSE: SI) Here we are again. Nasdaq: LOB) #3.

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Capital Texas Metro North Carolina 78

Abrigo

MARCH 17, 2022

Takeaway 3 Using stress testing scenarios helps banks and credit unions determine whether estimated loss rates will push projected capital levels below regulatory thresholds. Regardless of regulatory pressure, measuring and managing key risks are the cornerstone of community financial institutions’ enterprise risk management (ERM) programs.

Capital 195

Capital Regulation Risk Management Community 195

Jeff For Banks

FEBRUARY 12, 2024

2/25 Past actions/decisions give the best insights into a management team's acumen, capabilities, willpower, and its pursuit of excellence.effort lol. 2/25 Past actions/decisions give the best insights into a management team's acumen, capabilities, willpower, and its pursuit of excellence.effort lol. Raised capital in late 2019.

Columbus 106

Columbus Indianapolis Capital Community Bank 106

Abrigo

OCTOBER 21, 2021

Takeaway 3 Exploring lending opportunities and examining loan and deposit pricing are among steps that make sense while awaiting a Fed rate hike. Chairman Powell indicated that this action would likely be tapered in the final quarter of 2021 with a formal announcement expected later this quarter. for August 2021, up 4.3%

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Lending Strategy Trends Marketing 195

Abrigo

FEBRUARY 23, 2022

Making small business loans efficient and worthwhile Digitalizing the lending process can help financial institutions win small business loans and meet customers' needs. You might also like this webinar on small business lending best practices. Top problems in small business lending. Roadblocks to Success.

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How To Lending Software Survey 195

Abrigo

DECEMBER 2, 2021

But impulse buying – whether at home or in business – can result in waste, so think carefully about areas of your bank or credit union that could benefit next year from a small investment as 2021 draws to a close. 31, 2019, and June 3, 2021, according to the Community Banking in the 21st Century report. billion from $515.3

Conference 195

Conference San Antonio Lending Fraud 195

Abrigo

JULY 20, 2021

From leveraging PPP technology to building relationships, reasons for boosting SBA lending are numerous. . Takeaway 2 Far fewer financial institutions regularly participate in SBA (7a) lending than the more than 5,000 that joined the PPP. . Why SBA Lending? Want other articles like this on SBA loan origination in your inbox?

Lending 195

Lending FDIC Capital Risk Management 195

Independent Banker

AUGUST 31, 2021

ICBA’s National Community Bank Service Award winners for 2021 demonstrate that when their local areas need support, community banks are there with innovative, compassionate and thoughtful responses. The KSB Lends a Hand program took anniversary funds totaling $20,000 and distributed them to more than 100 local organizations. “We

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Community Bank Community National Fresno 196

PYMNTS

SEPTEMBER 20, 2020

The card will let companies manage their finances through live file management and make revenue-based repayments, too. The new card is expected to be launched in 2021 and is targeted toward small to medium-sized enterprises (SMEs), AltFi writes.

Cards 254

Cards Fintech Management Lending 254

PYMNTS

JANUARY 25, 2021

One idea is a 9 percent core capital mandate on the top tier. Global FDI dropped by 42 percent last year, and COVID-19 will keep impacting it in 2021, according to a UNCTAD report, as China reaps more foreign funds than the United States. 55-Plus Group Lends Optimism To Travel Operators. trillion in 2019.

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United States Regulation Payments Lending 217

PYMNTS

JANUARY 22, 2021

While 2021 has kicked off with a bang in the venture capital arena — with several high-value investments on the books — this week's B2B VC roundup is all about the seed rounds. Young B2B FinTechs secured some of their first investments in areas that include small business accounting, alternative lending and financial management.

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Security Fintech Capital Management 204

PYMNTS

MARCH 11, 2020

Cashfree , one of India’s biggest business payments platforms, has announced that it has launched a new suite of payment products aimed at lending companies and non-banking financial companies (NBFCs), to facilitate easier loan disbursals across all platforms, according to a press release.

Lending 130

Lending User Experience Capital Innovation 130

Abrigo

MARCH 13, 2023

Stress testing & deposit strategies in the spotlight The failure of Silicon Valley Bank offers other financial institutions the chance to reassess their approaches to and management of interest rate risk, liquidity risk, and credit risk. Lending to startup companies with a plan to go public is not itself a problem.

Strategy 195

Strategy Lending Security Analysis 195

Abrigo

DECEMBER 23, 2022

Blog posts to help your asset/liability management (ALM) staff strategize for the future These ALM posts were the most popular in 2022. Deposit management strategies and deep dives into interest rate risk came in a close second. The following are Abrigo’s 10 top ALM blogs in 2022: . For rookies and experts.

Resources 195

Resources Risk Management Study Strategy 195

Abrigo

JUNE 29, 2022

More Unpredictable Than 2019-2021. farmers is even more unpredictable than in recent years, so financial institutions will want to keep a close eye on the agricultural sector -- both to protect ag lending portfolios and tap into ag loan growth opportunities. billion in 2021 and $95.2 The general U.S. agricultural sector outlook.

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Kansas City Kansas Lending Oklahoma 195

PYMNTS

DECEMBER 17, 2020

The timing of the IPO hasn't been decided, although Reuters reported that analysts predict it will happen in the second half of 2021. Citigroup , in addition, will serve as a co-advisor. Kakao Bank is one of only two digital banks in the country and became profitable in 2019, according to Reuters, after less than two years of operation.

Samsung 243

Samsung Digital Banking Security Fintech 243

FICO

APRIL 13, 2021

Automated Model Monitoring Improves Capital Utilization. For its achievements, Alfa-Bank has won the 2021 FICO® Decisions Award for regulatory compliance. This kind of work is absolutely critical, not just to meet regulations but to ensure the quality of the models that drive a bank’s lending decisions. by Nikhil Behl.

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Management Analytics Compliance Meeting 52

FICO

DECEMBER 1, 2020

Unfortunately, 2021 will bring the after-effects, as credit grantors, consumers and governments try to work through a flood of uncollectable debt. Increased provisions, reduced capital, less ability to lend. They can optimize the use of their capital and who they lend to. How can I get that right?

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Taxes Lending Capital Regulation 76

PYMNTS

JANUARY 13, 2021

“I was surprised by the opportunity of monetization in 2020 during the pandemic, not just by our wealth accounts but also by lending.”. It also provides lending services such as merchant cash loans, personal loans, and credit cards.

Digital Banking 156

Digital Banking Conference Lending Payments 156

Abrigo

MARCH 3, 2021

Strong credit analysis is critical to ensuring safe and sound lending practices, so it’s critical that all credit analysts have a firm grasp on credit analysis best practices, from understanding and assigning credit risk to analyzing and making credit decisions. Gauging creditworthiness. Analyzing the 5 Cs of credit.

Analysis 195

Analysis Risk Management Lending Training 195

Jeff For Banks

MAY 9, 2024

During the prior break, I struck up a conversation with a person from Lendio , a small business lending platform, that was there to promote their white-label platform to bankers. Getting much needed capital into the hands of small businesses that can lead their economies forward. But they will only lend what fits in their credit box.

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Conference Community Bank Community Tools 110

Abrigo

FEBRUARY 10, 2021

You might also like this webinar, How the 2021 Roadmap for Producers will Influence Ag Lending. Land value At the end of the project, all that farmers and ranchers have left are land value and soil management. Stay up-to-date on the latest on ag lending trends. keep me informed. Watch Webinar. Opportunities.

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Lending West Virginia Resources Operations 195