Books Capital Community Risk Management 
South State Correspondent
APRIL 30, 2024
An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks do this profitably by turning transactional accounts into relationships.
South State Correspondent
APRIL 30, 2024
An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks do this profitably by turning transactional accounts into relationships.
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South State Correspondent
MARCH 19, 2024
In a future article we will discuss how community bankers may structure their commercial loan products to maximize cross-selling and upsell opportunities. With proper tools and strategies, community bankers can upsell and cross-sell their products to maximize profitability. In banking, those numbers are markedly different.
Abrigo
APRIL 25, 2024
The negative correlation of funded business loans to the Fed funds rate is a staggering 86% as businesses weigh their needs for capital against expensive debt and lenders aim to limit risk. Almost half sought credit to grow their businesses, and 28% applied to make repairs or replace capital assets.
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.
South State Correspondent
FEBRUARY 27, 2022
Booking long-term fixed-rate loans on-balance-sheet may not make sense for many banks. Current Risk in Term Lending. 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. Why ARC Makes Sense.
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. At its basic premise, FTP distributes banking profit between lending and deposits.
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