The Financial Brand

FEBRUARY 29, 2024

This article Is Being a ’Regional Bank‘ Now a Reputational Liability? How can regionals regain their shine? This article Is Being a ’Regional Bank‘ Now a Reputational Liability? appeared first on The Financial Brand. A few high-profile failures have tarnished the category. appeared first on The Financial Brand.

Regional 33

Regional Branding New York Banking Trends 33

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

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). When CRE credit risk arises, it will likely spark a new round of bank failures.

Community Bank 195

Community Bank Community Los Angeles 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

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

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

South State Correspondent

APRIL 19, 2023

In this article, we will look at deposit performance data related to high balances and show how banks can dramatically increase value by restructuring relationship-based products and better-allocating marketing/sales dollars more efficiently. For example, while banks in the Southeast and Mid-Atlantic regions of the U.S.

How To 195

How To Examples Resources Community Bank 195

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. Community banks with larger percentages of DDA balances will fare better. Influences on Deposit Beta.

Community Bank 195

Community Bank Community Industry Online 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.

Lending 195

Lending Community Bank Community Data 195

South State Correspondent

APRIL 6, 2022

In this article, we provide banks with four changes, that account for about 90% of performance, that should be made in loan pricing models, plus deliver the data around those changes. Change 1: Cost of Capital and Capital Allocation. Now, the cost of capital has been up 44% since then. Loan Pricing Model Basics.

Capital 195

Capital Training Management Atlanta 195

South State Correspondent

AUGUST 8, 2022

In this article, we put some data behind the trends and provide optimal targets to help you run your bank more successfully. Insight #1 – Deposit & Margin Management: Deposit runoff has started and will make it to community banks by October. For 2Q, larger community banks lost about 0.3% Methodology.

Trends 195

Trends Community Bank Community Retail 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

MARCH 16, 2022

In this article, we focus on prepayment provisions and look at how a past gold medal winner does it. Many community banks will market their fixed rate loans based on the simplicity of the prepayment provision, and this starts by understanding the value that each provision creates. Prepayment Provisions Not Penalties. Alternatively.

How To 195

How To Community Bank Community National 195

South State Correspondent

DECEMBER 8, 2023

In two days, you can hear from Chase, US Bank, Capital One, BMO, M&T, PNC, Citizens, Truist, Huntington, and more, a feat that can only be done at a conference of this caliber. Still, several banks have been successful at going after hospitality, the trades, transportation, realtors, and many others (look for an article on this shortly).

Conference 195

Conference Retail Community Bank Technology 195

South State Correspondent

MAY 31, 2023

In this article, we look at cell phone tracking data for about 1,000 branches across the industry to derive insights to help banks increase branch engagement and boost branch profitability. Banks should have a clear and stated set of measurable objectives for their branches and then allocate capital accordingly.

Data 195

Data Branch Strategies Strategy Mobile 195

South State Correspondent

MARCH 15, 2023

It turns out that confidence is more valuable than capital. This article highlights ten not-so-evident lessons of the banking crisis that every banker must consider going forward. The ratio would provide a bank’s current core capital position to risk-adjusted assets. 9) Brand Matters: SVB had one of the best brands in banking.

social media 195

social media FDIC Branding Management 195

Gonzobanker

JULY 6, 2021

It has become crystal clear that digital transformation is now the largest technology initiative for regional and community financial institutions. Maybe this is the new reality for community bankers, but Cornerstone Advisors is seeing little evidence that they’re serious about implementing a comprehensive digital strategy.

Strategy 156

Strategy System Risk Management Technology 156

Ublocal

JUNE 5, 2023

Working capital is the lifeblood of any business, but it can be challenging for small business owners and entrepreneurs to get conventional financing. In this article, we’ll explain everything you need to know about SBA loans and how to apply for one. Check out our recent article on “Resources For NH Women-Owned Businesses.”

New Hampshire 98

New Hampshire Vermont Resources Taxes 98

Gonzobanker

JUNE 11, 2018

But what’s concerning me more than the gulf between big banks’ and community/regional banks’ digital adoption is the growing disconnect between bank strategy and digital strategy in community and regional banks. This article originally appeared on LinkedIn. More competition is welcome.

Conference 70

Conference Digital Banking Austin Digital Strategies 70

South State Correspondent

OCTOBER 28, 2022

During the two weeks, there were over a hundred significant cyberattacks by nation-states on national and regional banks that you could watch unfold in near real-time (bel0w) at Gartner and Money 20/20. Any community bank that believes it can keep up and thwart millions of attacks per second is fooling itself. A balance sheet matters.

Conference 195

Conference Technology Las Vegas Trends 195

Jeff For Banks

OCTOBER 4, 2014

So said John Authers in a recent Financial Times article. But wait, ING Direct grew to $92 billion in assets until ING Group divested it to Capital One. How long before those corporate accounting system providers strike a deal with some regional or national bank to provide seamless views to corporate customers?

Technology 104

Technology Cyber Security FDIC Strategy 104

Abrigo

AUGUST 1, 2016

Everywhere you look, it seems, there are articles about Millennials: Millennial workers, Millennial customers, Millennial homeowners, Millennial voters. Eight in 10 business owners report that a major, regional or community bank is their main financing partner for capital.

Millennials 150

Millennials Survey Risk Management Groups 150

Abrigo

JULY 13, 2015

Market Expansion Technological improvements have opened the door for firms to reach beyond the borders of geographical regions and time zones. Newsletters can be send monthly, bimonthly or weekly to update clients and potential clients about your services, industry news and your community involvement.

Technology 150

Technology social media Groups Industry 150

Jeff For Banks

OCTOBER 1, 2017

At a recent banking conference, Ray Davis of Umpqua Bank took center stage to tell of his journey from a small, Oregon community bank to a regional powerhouse. What sparked this post was a recent article in ababankmarketing.com written by Mark Gibson and Kevin Halsey of Capital Performance Group in Washington DC.

Conference 60

Conference DC Oregon Marketing 60

Gonzobanker

DECEMBER 20, 2019

The company’s market capitalization, which after declining to less than $600 million in the 2009 recession, has now grown to almost $3 billion. It was always clear how much Jones loves his credit union, his team and his community. Yet the Gonzo team has to give a shout out to the late entry of Texas Capital and Independent Bank.

Idaho 148

Idaho Conference Data Marketing 148

PYMNTS

JUNE 9, 2018

One might be forgiven if, before reading this article, they had no idea that the World Cup is starting a week from now. Notably, in Nepal’s geographic neighbor Bangladesh, the year hasn’t just seen banner eCommerce growth regarding the World Cup, but an explosion of delivery services, even outside crowded urban regions.

Regional 109

Regional Retail Branding Marketing 109

Gonzobanker

NOVEMBER 29, 2016

ITMs require a significant capital investment, and investing in these machines has become a popular and controversial topic. Centralized locations can also be strategically placed for the benefit of recruiting and retaining better talent than might be available in certain branch locations/geographic regions (e.g., Incremental Sales.

Video 60

Video Strategy Branch Strategies ATM 60

Gonzobanker

NOVEMBER 29, 2016

ITMs require a significant capital investment, and investing in these machines has become a popular and controversial topic. Centralized locations can also be strategically placed for the benefit of recruiting and retaining better talent than might be available in certain branch locations/geographic regions (e.g., Incremental Sales.

Video 60

Video Strategy Branch Strategies ATM 60

Gonzobanker

SEPTEMBER 10, 2019

After lining up a series of regional bank and mid-large credit union signings over the past few years, Kony more recently acquired Umpqua Bank’s Pivotus Ventures to bring on Engage (in Umpqua parlance, formerly known as “BFF” and now “Go To Banking”), another non-transactional means of engagement that channels the mashup of service and sales.

United States 88

United States Texas Austin Kansas City 88

Fintech Labs Insights

DECEMBER 29, 2015

The scrooge list : Top-20 banks with no holiday promotions or graphics on 23 Dec 2015: Bank of America, Bank of the West (BNP Paribas), BB&T, Capital One & Capital One 360 (formerly ING Direct), Chase (note 2), Citizens (RBS), HSBC, SunTrust, US Bank, Wells Fargo, Zions Bank. Regions Bank. Fifth Third Bank. BMO Harris.

Marketing 12

Marketing Milwaukee Maine Cards 12

CB Insights

NOVEMBER 16, 2017

In venture capital, returns follow the power law — 80% of the wins come from 20% of the deals. Get the 65-page report on teardowns for Union Square Ventures, Andreessen Horowitz, Sequoia Capital, and more. JD.com took a huge risk by stepping into a major market and investor Capital Today made a $2.4B

Lending 78

Lending Capital Company Google 78

Fintech Labs Insights

JULY 22, 2015

CoreIQ is a marketing automation system developed by Onovative that speeds onboarding and broadens cross-selling opportunities for community banks and credit unions. Raised $400,000 in capital. “We bring data from all their systems and keep it behind their firewall. It’s part of the fun of being a startup.”

Technology 12

Technology Marketing San Jose Community Bank 12

Fintech Labs Insights

JANUARY 27, 2016

To gauge the temperature of fintech innovation in Europe, we looked at Finovate alums in different regions: Aire.io in the U.K., The article also notes that venture capital investment rose from £34 million in 2010 to £312 million in the first six months of 2015. Bitbond in Germany, and Ledger in France.

Fintech 12

Fintech Bitcoin US Data 12

CB Insights

OCTOBER 31, 2017

Fresco’s head of community marketing, Johnathan Hamiter, began sending employees private Slack messages saying funding seemed “pretty bleak” and encouraging them to look for other jobs. Imzy was created by former Reddit employees Dan McComas and Jessica Moreno as a safer, friendlier version of the popular community site. Around 4 p.m.,

Company 78

Company US San Francisco Capital 78

CB Insights

SEPTEMBER 10, 2018

Similarly, nearly 10,000 people use the mPower app, which provides exercises like finger tapping and gait analysis to study patients with Parkinson’s disease who have consented to share their data with the broader research community. . from existing investors Leo Pharma and PHS Capital in July 2018. SkinVision raised $7.6M

Industry 28

Industry Trends Apple Study 28