South State Correspondent

AUGUST 21, 2023

However, that publication, directly and indirectly, identified three discrete risks affecting community banks. We will outline what we think community bankers should glean from this publication. Risks to the Community Banking Sector Moody’s identified three risks to the banking sector, including risks to community banks.

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Community Bank Community Capital Analysis 195

Abrigo

JULY 20, 2021

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

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Lending FDIC Capital Risk Management 195

Abrigo

OCTOBER 1, 2014

Today’s youth and others across all age groups are placing a significant importance on consuming local food, developing local relationships and improving local communities. This is great news for community banks. A recent American Banker article discussed why the local food movement is good for community banking.

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Community Bank Community Capital Lending 170

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. However, a community bank’s average commercial loan size is between $250k and $500k.

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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. However, a community bank’s average commercial loan size is between $250k and $500k.

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Community Bank Community National Lending 195

South State Correspondent

OCTOBER 17, 2022

In a previous article ( HERE ), we discussed the concept of Funds Transfer Pricing (FTP), why systemically important banks and large regional banks incorporate FTP, and why community banks should also consider implementing FTP. In this article, we look at using FTP attribution to better understand lending profitability.

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How To Community Bank Community Capital 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.

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Trends Community Bank Community United States 195

South State Correspondent

APRIL 1, 2023

In this article, we recap the latest data on deposits and banking in order to give you an updated picture. Lending Although we only have quarterly lagged data on credit conditions, it is worth noting that more timely H.8 The move will increase the cost of compliance and the cost of capital. Deposit Balances The Fed’s H.8

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Regulation Community Bank Community Capital 221

The Financial Brand

MAY 15, 2024

This article Redefining Affordable Capital: Q&A with SoLo Funds’ Rodney Williams appeared first on The Financial Brand. SoLo Funds co-founder Rodney Williams shares how the innovative peer-to-peer lending platform empowers underserved communities and challenges traditional banking models.

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Capital Branding Lending Community 17

Abrigo

AUGUST 28, 2022

Leveraging the efficiencies gained from lending software Banks and credit unions that leverage an integrated lending and credit platform reap the benefits of a consistent, efficient and defensible lending program. Would you like other articles like this in your inbox? Lending and Credit Software. Ag Lending.

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Software Lending Philadelphia Capital 195

South State Correspondent

JANUARY 20, 2023

2022 will go down as one of the worst years for community bank loan mispricing when viewed on a spread basis. Even though many loans were booked at below-par value (more information HERE), increasing margins helped drive significant revenue resulting in one of the best years for an initial risk-adjusted return on capital.

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Lending Community Bank Community Data 195

South State Correspondent

APRIL 3, 2023

In recent articles ( here and here ), we discussed why banks that take the interest rate movement risk demonstrate lower performance as measured by return on assets (ROA). The second article compared and contrasted community banks’ pay-for-risk and relationship business models.

Community Bank 195

Community Bank Community Lending Marketing 195

Abrigo

OCTOBER 9, 2014

This article is the second in a two-part series on top concerns and growth strategies of community banks. banks are moving back into commercial real estate (CRE) lending as the economy continues to improve. Additionally, 57 percent indicated commercial and industrial (C&I) lending as an area of opportunity for growth.

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Community Bank Strategy Community Survey 236

South State Correspondent

AUGUST 15, 2023

This article provides an update on pricing trends driven by our Loan Command aggregated community bank data and highlights some working pricing ideas. Regarding loan growth, lending continues to be at the slowest pace since 2008. Total industry loans grew 5.1% for the year compared to last year.

Trends 195

Trends Community Bank Community Lending 195

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

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. At its basic premise, FTP distributes banking profit between lending and deposits.

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. At its basic premise, FTP distributes banking profit between lending and deposits.

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. At its basic premise, FTP distributes banking profit between lending and deposits.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

JANUARY 16, 2024

Barings Bank, Orange County (CA), Enron, Long-Term Capital Management, and other entities misused derivatives or didn’t understand the difference between hedging and speculating. We published various articles comparing community bank alternatives to LIBOR (such as SOFR, Ameribor, Fed Funds, and Prime). No ISDA documents.

Community Bank 195

Community Bank Community Compliance CA 195

Jeff For Banks

MAY 9, 2024

I wrote most of this article early on a Saturday morning during the business session at one of the conferences. 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. They want to grow small business deposits.

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Conference Community Bank Community Tools 110

Gonzobanker

MAY 31, 2019

Financial institutions that want to play in the small business lending sandbox need to bring their digital toys. article , former Small Business Administration administrator Karen Mills said community banks with strong small business customer bases that don’t find new ways to serve them digitally are going to face a “reckoning.”

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Lending Community Bank Community Data 126

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).

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Community Bank Community Lending Regional 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

DECEMBER 22, 2023

Abrigo's top risk management articles The risk management blogs banks and credit unions are reading Probability of default, CECL model validation, and CRE risk are hot topics that risk management and accounting professionals will be tracking in the coming months.

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Risk Management Regulation Management Lending 221

Abrigo

JULY 20, 2021

From leveraging PPP technology to building relationships, reasons for boosting SBA lending are numerous. . Want other articles like this on SBA loan origination in your inbox? 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?

Lending 195

Lending FDIC Capital Risk Management 195

South State Correspondent

APRIL 10, 2023

This article explores the risk and what to do about it. 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.

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Community Bank Community Los Angeles Regional 195

South State Correspondent

APRIL 30, 2022

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. In future articles, we will explain our modeling for community banks’ COF based on inflation, Fed Funds rates, consumer consumption and the Fed’s balance sheet runoff.

Community Bank 195

Community Bank Strategy Community FDIC 195

Abrigo

DECEMBER 21, 2020

Would you like others articles like this in your inbox? Takeaway 2 The bill will set aside billions for community financial institutions to lend, as well as for loans to businesses in low-income areas. . Here’s what financial institution lenders seeking to assist their communities with PPP loans in the new round need to know.

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Lending Community Regulation Maine 195

Abrigo

MAY 5, 2022

Would you like other articles like this in your inbox? Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S. Main Street Banking: A Podcast for Community Bankers 8. And all release a new episode at least monthly. Takeaway 2 With 2.8 BankTalk 3.

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Community Lending Maine Resources 195

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. For many, commercial real estate lending may be the ticket. This reflects a larger industry trend.

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Community Bank Handbook Lending Risk Management 150

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. In this article, we will quantify the value of a prepayment provision and compare the value of a step-down to a symmetrical break-even provision.

Community Bank 195

Community Bank Community Capital Maine 195

Abrigo

MARCH 24, 2021

Would you like others articles like this in your inbox? The top banking challenges in 2021 are growing loans and earnings, according to Independent Banker’s recent 2021 Community Bank CEO Outlook survey. Technology sets up future lending success. Here's what they're doing. Pandemic-Induced Transformations.

Lending 221

Lending Technology Survey Examples 221

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Financial institutions generate most of their income by lending and investment activities. Community banks target growth. Types of Noninterest Income. An important source of revenue.

Community Bank 195

Community Bank Community FDIC Trends 195

South State Correspondent

MARCH 13, 2023

While we will cover the general lessons HERE , in this article, we wanted to focus on the root cause – how and why interest rate risk caused the second-largest bank failure in US history (Washington Mutual was the largest in 2008). Notably, most community banks’ duration risk is in the loan portfolio.

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Risk Management Management Community Bank Community 221

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. Numerated , a business lending origination platform, partnered with Finastra for a LaserPro integration.

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Fintech Software Illinois Lending 103

Jeff For Banks

DECEMBER 10, 2023

Total return includes two components: capital appreciation and dividends. Communities First Financial Corporation (Now FFB Bancorp) (OTCQX: FFBB) #2. Treasury as a Community Development Financial Institution (CDFI). Treasury to be used to help underserved communities bounce back from the Covid-19 pandemic.

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Fresno North Carolina Raleigh FDIC 101

Abrigo

SEPTEMBER 5, 2023

In this article, I'll cover what a credit exception is, recommendations for creating loan/credit exceptions, and tips for developing an exception policy for the financial institution. unsecured lending is bad rather than unsecured lending should only be extended to high pass risk rated credit).

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Policies Lending Risk Management Examples 195