South State Correspondent

FEBRUARY 20, 2023

Community bankers need to understand their competitive landscape. Who the competition is, what the lending competition is offering, their delivery channels, and service levels can help community banks differentiate their services and enhance their competitive advantage.

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National Lending How To Community Bank 195

Abrigo

FEBRUARY 14, 2024

You might also like this podcast, "How to sleep easier at night about your capital and risk levels." LISTEN Takeaway 1 Effective CRE risk management involves adapting to changing market fundamentals to avoid excessive loan losses. The tightening of CRE credit could potentially impact liquidity within the CRE market.

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Risk Management Management Lending Capital 195

South State Correspondent

MARCH 5, 2024

In this article, we will consider how and why loan size is one of the most significant drivers of profitability for community banks and what community banks can do to improve performance. This analysis concluded that smaller loans had an average loss rate of 2.5X that of larger loans.

Community Bank 195

Community Bank Community National Lending 195

South State Correspondent

MARCH 5, 2024

In this article, we will consider how and why loan size is one of the most significant drivers of profitability for community banks and what community banks can do to improve performance. This analysis concluded that smaller loans had an average loss rate of 2.5X that of larger loans.

Community Bank 195

Community Bank Community National Lending 195

South State Correspondent

FEBRUARY 29, 2024

This article provides an update on pricing trends driven by our Loan Command aggregated community bank data and highlights some commercial loan insights that can improve bank performance. percentage points bringing forward looking LGD to 44% of the average community bank loan amount.

Trends 195

Trends Community Bank Community United States 195

PYMNTS

MAY 22, 2020

Bad news hit the startup community this week as new analysis from CBInsights revealed a significant decline in venture capital (VC) funding in the first quarter of 2020. Asia Capital & Advisors led the round, reports said, while Global eTrade Services and Curzon Investments also participated. Apollo Agriculture.

Capital 141

Capital Analytics Fintech Report 141

Abrigo

JANUARY 19, 2015

The Recession and its subsequent rate of bank failures underscore the need for banks of all sizes to invest in developing a capital plan. The Recession taught many institutions that whatever processes had been in place for managing capital were not sufficient. The result was insufficient capital. Forward-looking review 4.

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Capital Analysis Policies Examples 150

Abrigo

APRIL 25, 2024

Recent data and trends of the small business lending market SMB Lending Insights is a snapshot of current financial trends and metrics that impact small and medium-sized business (SMB) lending and financial institutions. Almost half sought credit to grow their businesses, and 28% applied to make repairs or replace capital assets.

Lending 221

Lending Trends Capital Strategy 221

South State Correspondent

FEBRUARY 18, 2024

An interest rate hedging strategy, specific hedge duration, amortization term, capital infusion covenants, and other loan structure requirements become more critical with higher leverage loans. debt yield, and the CRE capitalization (cap) rate is 7.00%. CRE loans are almost always highly leveraged, and this loan is no exception.

Management 195

Management National Guidelines Capital 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 ). Deposit Behavior In This Tightening Cycle Versus Last Three.

Community Bank 195

Community Bank Community Analysis Industry 195

Jeff For Banks

FEBRUARY 12, 2024

Perry's perspective is clearly focused on shareholder value and may be viewed as shareholder primacy, a sometimes derogatory term because pursuing shareholder value could be done at the expense of other stakeholders, such as employees, customers, and communities. Raised capital in late 2019. 14/25 Capital priorities for banks: 1.

Columbus 108

Columbus Indianapolis Capital Community Bank 108

South State Correspondent

JANUARY 3, 2023

The graph and the analysis demonstrate that no relationship exists between a bank’s NIM and performance as measured by return on assets (ROA). Loans are not fabricated by banks but are negotiated by borrowers and lenders in a broad, relatively efficient market. Market segments – A bank is a compilation of its customers.

Community Bank 221

Community Bank Community Data Marketing 221

South State Correspondent

DECEMBER 5, 2023

Commercial bankers are trusted advisors and have a unique opportunity to understand their client’s specific financial and personal situations, explain the basic concepts of capital markets, and offer prudent and objective advice to help customers reach their goals.

Lending 195

Lending Marketing Capital Community Bank 195

Abrigo

SEPTEMBER 7, 2023

The institution can more easily capitalize on opportunities and avoid unnecessary risk. They can result in sub-optimal lending for community banks and credit unions as well as the communities they serve across the country. What are the credit trends in our portfolio and market? Explore Abrigo Connect.

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Report Lending Trends Data 195

South State Correspondent

SEPTEMBER 12, 2022

However, as of Q2/22, the average community bank’s COF has risen only a few basis points. Community banks should be concerned about their COF because looking at current deposit conditions is like driving a car while looking at the rearview mirror. Community banks will feel the effects of these hikes over the next few quarters.

Community Bank 195

Community Bank Community Industry Online 195

South State Correspondent

AUGUST 21, 2022

Last week we wrote about loan-level vs. balance sheet hedging for community banks and provided our loan proposal generator ( HERE ). We compared and contrasted the two strategies and sized the market for community banks. A community bank may transact one or only a few balance sheet hedges over many years.

How To 195

How To Community Bank Community FDIC 195

Abrigo

JUNE 11, 2021

Takeaway 2 Asset/liability management models use earnings or income simulation models and gap analysis to measure short-term IRR. Takeaway 3 The most common model to measure long-term IRR is an economic value of equity (EVE) analysis. EAR, Gap Analysis. Regulatory Emphasis. Interest rate risk measurement.

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How To Risk Management Analysis Kansas City 195

Bussman Advisory

JULY 1, 2023

Join our community of 50,000+ subscribers and stay informed on the latest trends and news in the FinTech & AI world with the weekly newsletter provided by Bussmann Advisory. Expert Analysis & Commentary: Navigate the fast-paced FinTech landscapewith confidence. Don’t miss out – join our vibrant community today!

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Marketing Fintech Leadership Community 52

South State Correspondent

APRIL 3, 2023

The second article compared and contrasted community banks’ pay-for-risk and relationship business models. We made the case that, over time, the market does not adequately compensate banks for credit and interest rate risks. Top-performing community banks deploy relationship banking.

Community Bank 195

Community Bank Community Lending Marketing 195

PYMNTS

FEBRUARY 16, 2018

Amid the talk of filling in the small business (SMB) financing gap banks have left since the financial crisis, the rush of FinTechs, alternative and marketplace lenders coming to market may have left another business segment behind: the middle market, particularly the lower middle market. We’re not looking to replace banks.

Lending 101

Lending Marketing Analytics Capital 101

Gonzobanker

FEBRUARY 22, 2024

The right talent and tools can equip bankers to take advantage of opportunities in the small business market. As bankers continue to fight the deposit wars, they must move past the polite talk and build a true go-to-market plan to capture the lucrative U.S. No two markets are created equal.

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Lending Community Bank Community Strategy 78

Abrigo

JUNE 5, 2023

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. Takeaway 2 Reports that assess capital, growth, and liquidity provide banking professionals data to drive decisions. Regulators review them to assess safety and soundness.

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Report Risk Management Capital Data 195

PYMNTS

FEBRUARY 8, 2019

Growth of FinTech funding seems unstoppable, with the latest analysis from Hampleton Partners finding enterprise financial services and integration, online financial services, enterprise financial software and Software-as-a-Service (SaaS) risk management as some of the hottest spots for investors this year.

Fintech 188

Fintech Capital New York City Analysis 188

Abrigo

NOVEMBER 18, 2016

In a survey of community banks and credit unions at the 2016 Sageworks Risk Management Summit, 42 percent of respondents said Commercial Real Estate, or CRE, lending was their primary focus for loan portfolio growth. This reflects a larger industry trend. For many, commercial real estate lending may be the ticket.

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Community Bank Handbook Lending Risk Management 150

South State Correspondent

JULY 6, 2022

In this post, we expand that analysis and apply it to those events that a bank hosts or participates in designed to generate leads (“lead gen”) for product sales. For the enterprising community bank, they will essentially find themselves being one of the few banks there.

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Data Management Conference Branding 195

South State Correspondent

JANUARY 22, 2023

In a previous article ( here ), we discussed why commercial loan prepayment protection would be a critical return on asset (ROA) driver for community banks in 2023. We believe any prepayment provision is better than none, but we acknowledge that banks are challenged in the market to obtain borrower acceptance of some of these provisions.

Community Bank 195

Community Bank Community Capital Maine 195

South State Correspondent

APRIL 30, 2022

Based on the futures market, the Federal Reserve is expected to raise the Fed Funds rate to 3.00% at its December 2022 meeting. In this article, we analyze the industry’s cost of funding earning assets (COF) and track how community banks’ COF behaves relative to larger banks. Historical Cost of Funds Analysis.

Community Bank 195

Community Bank Strategy Community FDIC 195

PYMNTS

APRIL 18, 2018

The slight downturn comes at a time of broader market volatility as the U.K. Phelan said it is too premature to deduce that these geopolitical factors had any significant impact on the February Index’s reading, but did warn that Canada’s position in the market means that its SMBs are at least indirectly exposed to these pressures.

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Marketing Lending Analysis Community 100

South State Correspondent

MARCH 6, 2023

In an article last week ( HERE ), we discussed why real estate loans underwritten at common debt service coverage ratio (DSCR) and loan-to-value (LTV) levels may quickly become substandard credits if capitalization (cap) rates normalize, as expected because interest rates are rising. debt yield ratio ($135k divided by $1.5mm).

Community Bank 195

Community Bank Community Lending Regional 195

Abrigo

NOVEMBER 11, 2019

An extreme focus on using ALM to manage the risk of rising rates means some FIs overlook using ALM to grow earnings and capital, putting them at risk of underperformance. Community financial institutions are familiar with utilizing their asset/liability management solutions to limit the risk of rising interest rates.

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Management FDIC Community Risk Management 150

Gonzobanker

SEPTEMBER 21, 2023

NYMBUS secured Series D financing (led by Insight Partners), partnered with Hurdlr for small business banking; with Atty Bank, Saint Louis Bank ’s legal community bank; and with Roger, Citizens Bank of Edmond ’s military niche bank. Rippling , an HR and payment software startup, raised Series E financing from Greenoaks Capital.

Fintech 103

Fintech Software Illinois Lending 103

Abrigo

JANUARY 11, 2022

Financial institution leaders and decision-makers constantly face choices for how to effectively manage their institutions in the wake of changing economic landscapes, investment markets, interest rates, customer demand, mergers, acquisitions, and more recently, pandemics. For example, suppose an institution is looking to grow assets.

Management 195

Management Meeting Capital Strategy 195

Abrigo

MARCH 23, 2015

It is only natural for community banks to have loan concentrations that result from the market(s) they serve and the markets they pursue. In today’s times, a high commercial real estate (CRE) concentration is often the result of community banks pursuing opportunity in the market.

Community Bank 150

Community Bank Risk Management Community Analysis 150

Jeff For Banks

NOVEMBER 4, 2022

Source: S&P Capital IQ for Banks-Savings Banks and Credit Unions between $1B-$10B in total assets. Retained earnings is their least expensive form of capital. In some cases, their only form of capital. million is somehow benefiting one of the other three stakeholders: employees, customers, or communities. And the $11.8

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Operations Analysis Capital Community 78

PYMNTS

MARCH 23, 2020

This presents a gap in the market and an opportunity for FinTechs to fill it with automated underwriting technologies, like an automated small business credit score. These risk mitigation technologies are evolving at a crucial time for the SMB lending community, with coronavirus disruption threatening the survival of an untold number of SMBs.

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Lending Data Analysis Tools 188

PopularBank

OCTOBER 28, 2020

Popular Bank conducted a detailed review and analysis of its current network, including its usage, proximity to additional Popular Bank branches, the needs of customers and accessibility to supplemental services. Popular is committed to meeting the needs of our customers and communities, guided by our 127-year legacy.

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Puerto Rico New York Metro Community 52

PYMNTS

MAY 1, 2020

Businesses have a front-row seat to the market volatility resulting from coronavirus. As governments around the world work with financial institutions to connect these companies to capital, many firms are quickly recognizing just how drastically their financial worlds have been turned upside down. Open Banking in the U.K.

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Capital Company Lending Data 238