ABA Community Banking

SEPTEMBER 29, 2022

Insights from the 2022 Federal Reserve/CSBS survey of community banks. The post One in 10 community banks planning to launch crypto services appeared first on ABA Banking Journal.

Community Bank 98

Community Bank Community Survey Risk Management 98

South State Correspondent

AUGUST 8, 2022

With 100+ public banks reporting, we have more than a representative sample to see 2Q 2022 bank earnings trends and derive some operational insights on bank performance. We used the S&P Global database, earnings releases, and investor calls to gather the first hundred banks releasing 2Q numbers as of 8/2/2022.

Trends 195

Trends Community Bank Community Retail 195

South State Correspondent

MARCH 13, 2023

The failure of SVB is the first example we can recall since the Savings and Loan crisis, where a bank failed mainly because of a duration mismatch between assets and deposits. On the liability side of SVB’s $173B in deposits at the end of 2022, approximately 97% were uninsured and above the $250k in FDIC protection threshold.

Risk Management 221

Risk Management Management Community Bank Community 221

Gonzobanker

FEBRUARY 8, 2023

billion in Q4 2022, down 79% from Q4 2021. The total number of deals funded dropped from 423 in Q4 2021 to 342 in Q4 2022, representing a 73% decline in the average funding amount per raise from $43 million down to $11.4 Community Banks as Venture Capitalists In fact, not all providers of venture capital are venture capitalists.

Community Bank 98

Community Bank Community Fintech Leadership 98

South State Correspondent

JUNE 8, 2022

For decades community banks have structured fixed-rate loans with adjustable features – the most popular structure is a ten-year fixed-rate loan with a five-year reprice. With short-term interest rates expected to rise through 2022, many community banks are reconsidering their ALCO strategies.

Community Bank 195

Community Bank Community National Strategy 195

Independent Banker

DECEMBER 31, 2021

Let’s rediscover what it means to be community bankers. Because as community bankers, it’s what we do. That just may be community bankers’ word of the year. As we enter 2022, we are balancing low margins, high wages, too much liquidity and a lack of loan demand, and we have our work cut out for us. My Top Three.

Community 171

Community Exercises Community Bank US 171

South State Correspondent

JULY 10, 2023

One possible solution to this dichotomy is for banks to offer interest rate swaps to hedge individual loans. This article will review domestic banks’ adoption of interest rate swaps. Next week’s article will consider the challenges and possible solutions for community banks to adopt loan hedging programs.

Community Bank 195

Community Bank Community Tools Management 195

South State Correspondent

JUNE 21, 2022

This regime is now changing, and community banks need to position their lending and deposit portfolios for a period of monetary tightening. The market expects a 75bps increase in July, two more 50bps increases, and another 25bps increase in December 2022. Short-term rates are also likely to continue to climb through 2023.

Community Bank 359

Community Bank Policies Community Marketing 359

Abrigo

DECEMBER 22, 2023

You might also like this resource, Abrigo's "2022 Loan Review Benchmark Survey Results." download NOW Takeaway 1 The most popular blog posts on the Abrigo site reflect many of the priorities community banks and credit unions had in 2023. They’ve also focused on managing interest rate risk in a rising rate environment.

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Lending Risk Management Community Management 222

Abrigo

FEBRUARY 23, 2023

Relationship focus helps CFIs Small banks can leapfrog competitors and better serve their communities by combining their unique advantages with smart management and partnerships. Takeaway 3 With effective technology, the bank can continue to grow its portfolio without necessarily adding staff.

Community Bank 195

Community Bank Kansas City Community Lending 195

South State Correspondent

DECEMBER 13, 2023

However, in the middle of 2022, the Fed started shrinking its balance sheet in response to inflation running well above its long-run target. The graph below shows COF for the same three groups of banks. Community banks’ COF increased 18bps in Q3/23 sequentially, while the Fed has been on pause since July.

Community Bank 195

Community Bank Community Policies Tools 195

Abrigo

JANUARY 25, 2022

Change Management Helps Financial Institutions with Digitalization Bank and credit union executives who manage the people side of digital transformation have more success. . Takeaway 3 Seven steps of change management will jump-start the implementation and improve adoption and digital transformation. Not in all cases.

Management 195

Management Software Survey Fintech 195

South State Correspondent

MAY 18, 2022

In two recent articles, we reviewed the banking industry’s deposit behavior with regard to cost of funding earning assets (COF) ( HERE ), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle ( HERE ). How Interest Rates Will Impact Your Bank.

Community Bank 195

Community Bank Community Analysis Industry 195

South State Correspondent

APRIL 6, 2022

For any bank using Salesforce and/or nCino as their CRM and loan origination platform, respectively, or if you are considering those platforms, we would love to exchange best practice ideas with you. You will hear where banks are in their journey, mistakes to avoid and best practices to emulate.

Dallas 195

Dallas Conference Community Bank Community 195

Independent Banker

NOVEMBER 30, 2022

In 2022, ICBA’s award-winning ThinkTECH Accelerator program reached more community banks with innovative solutions and partnerships than ever before. For ICBA and our community bank members, 2022 was a year full of potential. In step with community bankers. Illustration by Jess Rodriguez/Adobe.

Community Bank 99

Community Bank Community Innovation Atlanta 99

South State Correspondent

JANUARY 3, 2023

Despite reaching the highest profitability in over a decade in 2022, US banks overall trade at a discount to other sectors as measured by P/E or P/Book, and approximately 53% of US banks have earned less than their cost of equity over the last five years.

Community Bank 221

Community Bank Community Data Marketing 221

Jeff For Banks

DECEMBER 16, 2022

As a point of reference, the S&P US BMI Bank Total Return Index for the five years ended December 9, 2022 was -1.21%. Each employee has an ownership stake in the bank through its Employee Stock Ownership Plan. In 2021, the bank expensed over $530 thousand to the ESOP to benefit employees. MetroCity Bankshares, Inc.

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Puerto Rico Virgin Islands Community Community Bank 78

South State Correspondent

JULY 5, 2022

As a reference, the market expects short-term rates to increase by another 1.77% for the rest of 2022. We concluded that obligors showing less than 1.50X DSCR would be most at risk, but the average community bank underwrites to 1.20X DSCR. A loan starting at 1.20X DSCR dips below 1.0X

Management 195

Management Capital US Community Bank 195

Independent Banker

APRIL 30, 2022

As consumers’ changing preferences prompt community banks to deliver new technologies, here are some of the top trends to keep your eye on. Let’s look at a few of these trends, how community banks can determine if they’re right for them and how to get on board. By Mary Yerkes.

Trends 144

Trends Payments Community Bank Community 144

Independent Banker

FEBRUARY 28, 2022

What this has to do with community bank investment management may not be readily apparent. Belly of the curve matters to community banks. First, the average duration of a community bank bond portfolio is more than four years right now. In fact, the tone is about to improve.

Community Bank 91

Community Bank Community Memphis Security 91

Independent Banker

DECEMBER 31, 2022

While the pace of bank regulatory changes has diminished from a few years ago, several issues will either become effective or likely develop in 2023. Community banks must continue to stay focused on regulatory discussions and remain nimble to respond to proposals and address requirements quickly and accurately. Evolving risks.

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Compliance FDIC Community Bank Community 100

Independent Banker

OCTOBER 31, 2022

ITMs and VTMs are popular retail banking innovations among community banks. What’s on the horizon for retail banking? We spoke with two community banks that have ramped up their services to meet—and exceed—the changing expectations of customers. So how are retail banks meeting this challenge?

Banking Trends 151

Banking Trends Retail Trends Community Bank 151

Abrigo

DECEMBER 2, 2021

Takeaway 1 Some financial institutions have a budget surplus this time of year, and these funds can be spent now to help growth in 2022. Takeaway 3 Signing up for 2022 conferences is another smart use of surplus budget funds, because some events are offering early-bird discounts. Streamline and systematize loan review for 2022.

Conference 195

Conference San Antonio Lending Fraud 195

Independent Banker

OCTOBER 1, 2022

Cyber and data security have long been areas of emphasis for community banks, but in today’s escalating digital environment, that focus has grown. In fact, our 2022 CEO Outlook Survey ranked data security as a top concern, and as the digital sphere continues to evolve, all signs point to that level of concentration increasing.

Exercises 126

Exercises Community Bank Community Resources 126

Independent Banker

OCTOBER 31, 2022

This isn’t any idle talk among Fed watchers and other pundits this time around, nor is it peripheral to the management of financial institutions, including community banks. This presents dilemmas, and opportunities, for bond portfolio managers. The what and why of inversions. Muni curve still steep.

Community Bank 113

Community Bank Community Taxes Management 113

South State Correspondent

NOVEMBER 7, 2022

S&P Global estimates that in 2022, AOCI has reduced the tangible equity ratio at community banks (below $10B in assets) by an average of 1.99% (from 10.74% to 8.75%). However, community banks hold approximately 23.5% Further, of all loans at community banks, approximately 71% are fixed-rate loans.

Marketing 195

Marketing Community Bank Community Security 195

Independent Banker

FEBRUARY 28, 2022

As we look into 2022, expert opinions on the direction of interest rates are mixed. Les Parker, Managing Director for Transformational Mortgage Solutions for example, predicts that interest rates could fall temporarily below 1 percent in 2022 as continued COVID outbreaks spark economic uncertainty.

Leadership 91

Leadership Strategy Lending Community Bank 91

Independent Banker

FEBRUARY 28, 2022

Kathy Strasser of IncredibleBank is evaluating marketing campaign management platforms. Customized, well-thought-out interactions—especially in the online banking space—are integral to wooing new customers and retaining existing ones. Fintechs know how to reach and work with the community. MainStreet Bank’s BaaS move.

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Fintech Marketing Community Bank Community 136

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.

Lending 158

Lending Community St. Louis Community Bank 158

South State Correspondent

APRIL 23, 2023

The root cause of Silicon Valley Bank’s (SVB) failure is poor risk management – plain and simple. Bankers need to understand and manage their business on the fair value of assets and liabilities instead of managing their business on net interest margin and the amortized historical cost of assets and liabilities.

Management 195

Management Security Risk Management social media 195

South State Correspondent

MAY 3, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management.

Lending 195

Lending Capital Management Tools 195

Abrigo

FEBRUARY 23, 2022

Loan Decisioning Allows Small Business Lending to Grow Community financial institutions can leverage automated loan underwriting to increase small business lending and achieve consistency. . A recent survey conducted by Abrigo indicated that 89% of institutions planned to increase small business lending efforts in 2022. Market Trend.

Lending 195

Lending Community Bank Community Analysis 195

Independent Banker

JANUARY 31, 2022

The FedNow Service is launching in early 2023, giving community banks about a year to plan. Here’s how community bankers, payments experts and fintech vendors suggest using the time to prepare. With less than a year until the scheduled launch of the FedNow Service, community banks are still awaiting updates on specifics.

Community Bank 91

Community Bank Community Resources Fraud 91

Independent Banker

JULY 31, 2022

After a recent merger, SouthState Bank had hundreds of unused T-shirts featuring its old logo. Rather than send them to the landfill, it donated them to a community textile arts project that continues to inspire others. SouthState Bank had a swag problem on its hands. By Paul Sisolak. It was sort of the perfect opportunity.

Community 156

Community Community Bank Resources Course 156

South State Correspondent

JANUARY 4, 2023

A potential economic slowdown, slower rate rises, an inverted yield curve, and deposit stress likely make 2023 a trying year compared to 2022. Banks will need to balance these short-term challenges with longer-term strategic goals. Financial pressure will be greater, and bank margins will be higher.

Community Bank 195

Community Bank Capital Lending Training 195