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. The reality of booking new loan business is that the winning bank has offered the lowest price or most accommodating credit structure.

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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.

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Lending Trends Capital Strategy 221

Jeff For Banks

APRIL 14, 2022

That's the number of books in John Maxfield's banking book library. Doesn't your bank have a bank book library? Two hundred and forty three books. Books are in author last-name order. Because it's a library's worth of books! Two hundred and forty three. How do I know? He sent me his list. Interesting idea.

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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. Market segments – A bank is a compilation of its customers.

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PYMNTS

MARCH 13, 2020

Below, PYMNTS rounds up the latest B2B FinTech venture capital funding rounds. million Series A investment led by Framework Venture Partners, while PenderFund Capital Management, Conconi Growth Partners and Royal Bank of Canada also participated. Checkfront. In Canada, Checkfront revealed its $9.3 Fenbeitong.

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PYMNTS

DECEMBER 18, 2020

We built Whatnot not just to enable transactions, but to capture the fun of the in-person experience, so our communities can connect in real time and geek out with their favorite sellers,” he added. Whatnot facilitates peer-to-peer connections between enthusiasts.

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South State Correspondent

FEBRUARY 27, 2022

Booking long-term fixed-rate loans on-balance-sheet may not make sense for many banks. While community banks may want the ability to offer longer-term fixed-rate loans, the interest rate risk is too significant for most banks’ balance sheets. ARC is custom designed to allow community banks to compete anywhere on the yield curve.

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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.

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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. Rapidly rising rates crushed performance as many banks held a fixed rate constant and/or booked a fixed rate loan at a misguided level. 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

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. This is over three times the life of a money market account that is over $1mm in balances.

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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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South State Correspondent

JANUARY 4, 2023

Because many banks are now producing below their cost of capital, growth further exacerbates their issues and drives them out of business (likely through a sale) faster. Without the windfall of profit accrued to banks in 2022 because of faster-than-expected rate increases, banks will need to be better allocators of capital.

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Community Bank Capital Lending Training 195

Lars Markull

DECEMBER 29, 2019

The year is coming to an end and like last year ( My books in 2018 ), I am blogging about the books I have read this year. Initially, my goal was to read 52 books (one per week), however, I changed my mindset already in the first half of the year. These were my books in 2019: Based on a real story. Recommended.

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Trends San Francisco Leadership Maine 40

Lars Markull

DECEMBER 29, 2019

The year is coming to an end and like last year ( My books in 2018 ), I am blogging about the books I have read this year. Initially, my goal was to read 52 books (one per week), however, I changed my mindset already in the first half of the year. These were my books in 2019: Based on a real story. Recommended.

Trends 40

Trends San Francisco Leadership Maine 40

Jeff For Banks

DECEMBER 10, 2023

I chose five years because banks that focus on year over year returns tend to cut strategic investments come budget time, which hurts their market position, earnings power, and future relevance more than those that make those investments. Total return includes two components: capital appreciation and dividends. The Bancorp, Inc.

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Fresno North Carolina Raleigh FDIC 101

Jeff For Banks

AUGUST 2, 2021

However, it had a great group of employees and was in a market that I knew very well. Like any SMB owner doing a new acquisition, I broke down the expense book. It covers the high risk clients, the cash flow and capital needs of the organization, our employees, and many other items as the come forward to drive conversation.

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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.

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South State Correspondent

APRIL 6, 2022

Change 1: Cost of Capital and Capital Allocation. Back in 2020, banks’ capital cost was at a record low as it averaged a little under 6% for the industry. Now, the cost of capital has been up 44% since then. Below is our current weighted cost of capital for different-sized banks.

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Capital Training Management Atlanta 195

Jeff For Banks

APRIL 29, 2021

write a book! Others surprised me, such as the amount of views expended on board composition, or on deploying bank capital. Write a book curated by readers of Jeff For Banks. So in the summer I drafted a summary, and an introduction chapter, and solicited the usual publishing suspects for business books. Very niche.

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PYMNTS

JANUARY 24, 2020

While businesses have more sources of capital than ever before, from bank loans to initial coin offerings to alternative online investments, experts are urging small to medium-sized businesses (SMBs) to take a strategic approach to their fundraising efforts — often by combining a variety of funding sources to mitigate risk. Flutterwave.

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South State Correspondent

MAY 3, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. The other fundamental concept that makes sense for all banks to adopt is fund transfer pricing (FTP).

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South State Correspondent

MAY 2, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. The other fundamental concept that makes sense for all banks to adopt is fund transfer pricing (FTP).

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. The other fundamental concept that makes sense for all banks to adopt is fund transfer pricing (FTP).

Lending 195

Lending Capital Management Tools 195

Gonzobanker

FEBRUARY 8, 2022

Maybe instead of Acquire or Be Acquired, this conference should be called Evolve or Be Acquired,” observed Eric Sprink, CEO of Coastal Community Bank in Everett, Wash., While the term “accretive to book value” is still the best bet for buzzword bingo at AOBA, the real talk centered around digital transformation and fintech disruption.

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PYMNTS

MARCH 11, 2020

The company also offers SMBs different tools to help them move forward, like appointment booking, loyalty services and marketing help. SpotOn had a strong 2019 and wants to capitalize on its momentum by expanding further. The company’s previous funding round was less than a year ago and it was led by Dragoneer and Franklin.

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PYMNTS

JANUARY 15, 2021

Investors continue to fuel the growth of the B2B technology startup community with another busy week in funding. Despite a slowdown in corporate travel, expense management and travel booking technology provider SalesTrip still managed to impress investors, which pumped $1.4 PYMNTS rounds up all the latest deals below. Modern Treasury.

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Capital Fintech Operations Technology 167

PYMNTS

MARCH 20, 2020

The company is taking hits in all of its major markets. Last week, bookings were down year on year by half in the U.S., A spokesperson said Airbnb has “$4 billion in liquidity” and that it’s “focused with our board on ways we can help our community weather this crisis.”. 75 percent in Europe and 95 percent in Asia.

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South State Correspondent

JUNE 13, 2023

When interest rates rise, lenders struggle to manage revenue and economic capital; when rates fall, borrowers can commonly refinance the debt at lower rates. We see borrowers trying to out-predict the market by guessing what the Fed might do, analyzing economic trends, studying graphs, or talking to friends at cocktail parties.

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Marketing Examples Capital Management 195

Jeff For Banks

APRIL 16, 2020

At December 31, 2019, the SNL Bank & Thrift Index stood at 193% price/tangible book, 13.6x Still community banks, and have decent trading volume for more efficient pricing. At the median, these banks had a market metric slash line (P/E, P/TB, Dividend Yield): 8.8x / 95% / 3.39%. Some comfortably below book value.

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Vitalik Buterin

APRIL 20, 2018

Recently I had the fortune to have received an advance copy of Eric Posner and Glen Weyl’s new book, Radical Markets , which could be best described as an interesting new way of looking at the subject that is sometimes called “ political economy ” - tackling the big questions of how markets and politics and society intersect.

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Gonzobanker

DECEMBER 14, 2023

Not the financial industry’s “Troublemakers ” – those regional and community banks, credit unions and supporting fintech entrepreneurs who continue to engage customers and communities and find niches that keep the grassroots of our country’s financial system alive and kicking. We are in awe. Seriously in awe.

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South State Correspondent

MAY 31, 2023

Likely, it might be a combination of the above, but setting a branching strategy should dictate capital allocation, branch layout, marketing, and staffing. Banks should have a clear and stated set of measurable objectives for their branches and then allocate capital accordingly.

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Gonzobanker

DECEMBER 19, 2022

2022 was the year the fintech industry and venture capital firms figured out that banking is harder than everybody thought. TD has been a player that maintained its acquired market share so we are hoping this one doesn’t get messed up like other Canadian banks that have struggled in the Southwest. Well, except for the ones who didn’t.

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PYMNTS

NOVEMBER 16, 2018

In a week of multiple nine-figure venture capital funding rounds, B2B FinTech has proved it plans to end the year on a high note. Investors from IVP, Madrona Venture Group and Meritech Capital all joined the fold, while existing backers CapitalG and Sequoia Capital led the round. Automation Anywhere.

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Jeff For Banks

SEPTEMBER 26, 2018

Without identifying ranking or more details about their survey, the preponderance of responses were as follows, in no particular order: loan-to-deposit ratio, investment portfolio size, net interest margin, efficiency ratio, return on average assets (ROAA), return on average tangible equity (ROATE), capitalization, and asset size.

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Abrigo

APRIL 21, 2020

PPP loans carry a 0% risk weighting, meaning they don’t count against the institution from a risk-based capital standpoint. With the surge in loans and no pressure on capital ratios, both Domine and Bates expressed approval for the program.

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PYMNTS

JUNE 28, 2019

Corporate travel and expense (T&E) management solutions provider TripActions led this week’s B2B venture capital roundup with its announcement of new funding that propelled its valuation to $4 billion. Lulalend lends directly to SMBs that can apply online, with an automated approval process accelerating access to capital.

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