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 ).

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South State Correspondent

JUNE 21, 2022

This decision coincided with rate hikes by the Swiss National Bank, its first since 2007, the Bank of England, and the European Central Bank announced at an emergency meeting that they would raise interest rates next month and again in September. The market, however, expects a higher year-end Fed Funds rate at 3.65%. Conclusion.

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Community Bank Policies Community Marketing 359

South State Correspondent

JANUARY 16, 2024

With the development of the term SOFR market, BSBY offers no perceived advantages over SOFR, Fed Funds, or Prime. BSBY was not well received by US regulators from its inception, but the market eventually embraced SOFR over BSBY. Historically, community banks have hesitated to adopt derivatives for several reasons.

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South State Correspondent

FEBRUARY 27, 2024

Community bankers need to practice realistic loan pricing discipline. However, we need to understand the meaning of pricing discipline and its effect on community bank performance. Market Intelligence We analyzed the last 1000 loans priced on our hedging desk, and the credit spread, and size are plotted below.

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How To Community Bank Community Management 195

Jeff For Banks

MARCH 21, 2024

Our lives changed forever from this whole experience of the government’s declaration of a national emergency, leading to forced shutdowns of businesses and schools, mandated mask wearing, forcing 6-foot distances between people, travel restrictions, fear mongering with case and death counts, and forced vaccines/boosters. Here's a rant.

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Marketing Policies Report Atlanta 145

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.

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How To Community Bank Community FDIC 195

South State Correspondent

MAY 1, 2024

With financial hardship, competition from dominant players, and a startup budget, Gentle Monster faced many of the same challenges as a community bank. This article highlights Gentle Monster’s five-step process that might change how you look at the future. COI marketing for banks should always be a top priority.

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Innovation social media Branding Marketing 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. Second, the market has priced in interest rate risk, but it has not priced liquidity risk.

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Community Bank Community Industry Online 195

South State Correspondent

MARCH 30, 2023

While desiring to bank everyone in your community is noble, it can be a poor use of resources. Not to say you want to ignore parts of your community, but why not focus more of your resources on those industries that will make your bank more profitable? They are also more plentiful. there are more than 8,000 trade associations.

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Industry Resources Community Case Study 195

South State Correspondent

APRIL 10, 2023

While the market focuses on deposits and liquidity, media pundits and analysts are waiting for credit problems to appear. This article explores the risk and what to do about it. The risk here is that community banks continue to take on an above-average amount of CRE credit exposure. touched off a wave of bankruptcies.

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Community Bank Community Los Angeles Regional 195

Perficient

FEBRUARY 10, 2021

While the Centers for Disease Control and Prevention(CDC ) recommends healthcare consumers over 65 get vaccinated, few communications have targeted these groups or provided understanding and navigation to how to access the vaccine in their community. Create a rollout plan that considers your older patients. How are you reaching them?

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New York City social media Community System 484

South State Correspondent

AUGUST 22, 2023

In this article, we detail the five steps to building a treasury management strategy, provide some tools to execute those steps, and then provide a complimentary survey to assess your strengths and weaknesses. If they do market, it is to every commercial customer in the footprint, which often results in suboptimal marketing results.

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Management Community Bank Survey Community 195

Abrigo

MAY 8, 2024

It’s showing up in music and entertainment , education , healthcare , and marketing. That compares to 39% of global or national banks with more than $10 billion in assets. Now, Southwest National uses Connect to generate a report in seconds to show examiners the loan concentrations across its markets.

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Examples Fraud Resources Risk Management 221

The Financial Brand

NOVEMBER 22, 2022

This article Bankrate, Step Aside. Seattle Bank’s Unbiased CD Site Has National Plans appeared first on The Financial Brand. One community bank has launched a free CD rate listing service that aims to help both consumers and financial institutions. This article Bankrate, Step Aside.

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Seattle National Community Bank Branding 32

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

Abrigo

APRIL 18, 2022

Would you like other articles like this in your inbox? However, today it is still a relatively new market that does not have mainstream usage within the United States. The industry's most significant market increase was between 2016 and 2018. National objectives in cryptocurrency policy. Executive Action. Priorities.

cryptocurrency 195

cryptocurrency Fraud United States Leadership 195

South State Correspondent

FEBRUARY 8, 2023

This article provides an overview of the equation and highlights our lessons learned. One of the formula’s strengths or “unifying” features is that it ties price, customers, marketing, asset-liability objectives, deposits, loans, and balance sheet profitability together in an excellent package. and your products.

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Community Bank Marketing Community Regional 195

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. This article looks at trends in growth and composition as well as legal, regulatory, and competitive pressure on noninterest earnings. Types of Noninterest Income. An important source of revenue.

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Community Bank Community FDIC Trends 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. In this article, we provide a loan pricing update and highlight some critical areas where banks can improve. This asymmetric pricing explains why many community banks go terminal during a downturn.

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Lending Community Bank Community Data 195

South State Correspondent

JANUARY 18, 2023

In this article, while we have discussed how to sell prepayment penalties in the past, we now look at their current importance. The first is a step-down, and it is by far the most common prepayment provision used by community banks. Why Use Prepayment Penalties? For example, on a 5-year loan, the bank may charge a 5,4,3,2,1 prepayment.

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Community Bank Examples Community How To 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.

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Community Bank Community Capital Maine 195

South State Correspondent

SEPTEMBER 20, 2023

In this article, we discuss cash management profitability and rank the most profitable industries for banks to go after. For starters, a customer may carry large balances but not generate franchise value if those balances are all in high-paying money market accounts or are highly volatile. However, that is not purely the case.

Management 195

Management Survey Industry Community Bank 195

Chris Skinner

MAY 1, 2017

Now I don’t want to get into politicks, as that’s not my job, but I do want to point to an interesting article on TechCrunch by Nik Milanovic (@NikMilanovic) that illustrates the issue well. Back in December, I picked up on this new Office of the Comptroller of the Currency (OCC) Ruling to issue national FinTech bank charters.

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America Fintech National Regulation 211

South State Correspondent

MARCH 21, 2023

The need for a known, reliable brand creates an excellent opportunity for community banks to help small business customers while building deposit balances. This article breaks down how you can use the ERC Assist product to generate deposits in an innovative way. The Opportunity The opportunity for growing deposits is substantial.

Taxes 195

Taxes Community Bank Community Operations 195

CFPB Monitor

JULY 1, 2015

A recent American Banker article written by officials of three community groups urges President Obama to publicly denounce Director Cordray for failing to issue regulations implementing the small business lending data requirements of Dodd-Frank Section 1071. Large banks in particular have a lot of room for improvement.”

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Community Lending Groups Data 60

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. or largely focused on the domestic banking market. Main Street Banking: A Podcast for Community Bankers 8. Takeaway 2 With 2.8

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Community Lending Maine Resources 195

South State Correspondent

DECEMBER 8, 2023

The real reason that this conference makes our favorites list is that this is one of the few conferences where we can learn what the largest and most progressive banks are doing in the market. Whole Banking is a Function of Team Banking Selling, servicing, and marketing small business banking is expensive because of the complexity.

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Conference Retail Community Bank Technology 195

South State Correspondent

JULY 5, 2022

In this article, we analyze why 75% LTV may not protect banks from credit risk on commercial loans and why there is only one source of loan repayment. . Loans below 1.50X starting DSCR cannot withstand the current market expected rise in interest rates if cash flow decreases by just 10%. Background. in December 2021).

Management 195

Management Capital US Community Bank 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. In a competitive market for commercial loans, every feature that can preserve credit quality or maintain pricing can be valuable to the lender. Prepayment Provisions Not Penalties. This is by far the most common provision.

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How To Community Bank Community National 195

South State Correspondent

MAY 9, 2023

As discussed last week, many banks tier without objective, without data, and without supportive marketing, thus rendering the methodology worthless and possibly hurtful. Offering a limited-time promotion to bring over balances from certain named accounts (such as those at national banks), has proven effective.

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Data Training National System 195

Abrigo

AUGUST 20, 2021

Would you like others articles like this in your inbox? Crime proceeds linked primarily to the national sector such as fraud, burglaries, theft, robberies, loan sharking or protection racketeering were not included in these estimates.”. Start with Part 1: Implications for Community Financial Institutions. Takeaway 2 The U.S.

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Training Strategy Fraud National 195

Jeff For Banks

JULY 13, 2023

But can it be for the community banks that would covet the customers that make up the $1.9 Wells Fargo was slapped with a similar CO back in 2016, while they were third in the nation in deposit market share. annually, while others in the top 10 deposit market share averaged 7.1% Not a red-letter day for BofA.

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Cards Community America Community Bank 78

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. If you want to make your branch marketing almost twice as effective, use your marketing dollars to highlight the people in the branch.

Data 195

Data Branch Strategies Strategy Mobile 195

Gonzobanker

JULY 9, 2021

The fintech market is smokin’ hot right now. SoFi announced an agreement to acquire Golden Pacific Bancorp for ~$22 million, advancing the digital personal finance company’s regulatory pain point to obtain a national bank charter and offer more choices to both consumers and businesses. Fintech is no different.

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Fintech Lending Community Payments 197

Qudos Bank

FEBRUARY 15, 2024

This could be offering banking products with competitive rates and fairer fees, giving back to charities and community initiatives, or having their equal say in the governance of the company. This direct involvement aims to create a sense of ownership and community, and helps you ensure your interests are represented.

Community 52

Community Taxes Policies Retail 52

Abrigo

AUGUST 26, 2015

This is the sentiment of several high-profile executives regarding the National Credit Union Administration’s (NCUA) stance on examination cycles for credit unions. Earlier this spring a bill was proposed in Congress to allow more community banks take advantage of a longer exam cycle. “… it’s not 2008.”.

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Survey Community National Community Bank 150

Qudos Bank

NOVEMBER 13, 2023

This could be offering banking products with competitive rates and fairer fees, giving back to charities and community initiatives, or having their equal say in the governance of the company. This direct involvement aims to create a sense of ownership and community, and helps you ensure your interests are represented.

Community 52

Community Taxes Policies Retail 52