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. Bankers need to manage credit relationships to ROA/ROE and not credit spreads. Why do banks use RAROC loan pricing models?

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PYMNTS

NOVEMBER 13, 2018

To that end, news came earlier this week in the United States that a dozen community and regional banks have formed a group aimed at exploring the opportunities amid FinTech offerings. The group, to be known as Alloy Labs Alliance, according to a press release , is being managed by FinTech Forge.

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South State Correspondent

MARCH 30, 2022

Community banks pride themselves on superior customer service. Approximately 90% of all community banks believe that they provide an above-average level of customer service (of course, the math cannot work that way, as half of all banks should be providing a below-average level of customer service).

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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. bank about loan pricing. FTP Attribution – A Specific Loan Example.

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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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South State Correspondent

APRIL 10, 2023

Nonetheless, with the recent collapse of sizeable regional banks, regulators, investors, analysts, accountants, and bankers are now scrutinizing the fair value of banks’ securities and loan portfolios. This development should strongly motivate community banks to consider the benefits of loan-level hedging.

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Abrigo

JULY 15, 2015

One such pain point is the confusion behind identifying ways to effectively grow their business through the management of financial resources. Whether using a national bank, regional bank, community bank or credit union, there are numerous cards that can help your client leverage their credit to create capital.

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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 ). A graph for SouthState Bank appears below.

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South State Correspondent

JANUARY 3, 2023

The lack of relationship between NIM and ROA results from the other factors that are more important to bank profitability, such as loan credit quality, loan size, and relationship value. However, NIM is one of the least important attributes specific to loan performance and the general profitability of the bank.

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South State Correspondent

AUGUST 8, 2022

Insights Based on 2Q Bank Earnings. 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% of their deposits, and small banks were either flat or continued to gain.

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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.

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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.

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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.

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Lending Capital Management Tools 195

South State Correspondent

APRIL 19, 2023

For example, while banks in the Southeast and Mid-Atlantic regions of the U.S. Some small banks, for example, do nothing more than have their CEO call the largest depositors twice per year to check in and thank them. This is one of the great mysteries of community banking.

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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. Strike early and often to keep the customer building their relationship with your bank. However, this was the most common structure.

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Banking Exchange

MARCH 2, 2020

Also, Regions Bank has announced the planned acquisition of equipment finance lender Ascentium Capital Bank Performance Management Feature Financial Trends M&A Fintech Feature3 Community Banking.

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PYMNTS

NOVEMBER 25, 2020

Plus, Zact introduces its expense management solution, Monit adds new small business Banking-as-a-Service features and Plaid teams up with Jack Henry. Zact Rolls Out Linked Payments, Expense Management System. Monit Introduces New Ways for Banks to Help SMBs. “We 24) announcement. “We 24) announcement.

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South State Correspondent

JANUARY 4, 2023

The irony here is that more than half the banks we recently surveyed had some goal and metric around asset growth. While there is nothing wrong with growth, the problem is that most banks are not prepared to grow. That said, smart banks will make growth a byproduct and ensure they have all their other processes right.

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Gonzobanker

NOVEMBER 2, 2023

Every year, digitization further rattles the relevancy of the traditional hierarchical banking organization. To overcome the struggle, banks need to build leadership teams that align with how a future “Smarter Bank” will operate. That’s the new DNA we need to increase across the banking industry.

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PYMNTS

JANUARY 18, 2019

Mastercard ‘s commercial card spend management solution In Control has been integrated into the accounts payable (AP) automation platform of MineralTree , the companies said in a press release on Thursday (Jan. That collaboration similarly involves the integration of Mastercard In Control.

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Independent Banker

JANUARY 31, 2022

Here’s how four community banks are thriving in this environment. This region has the kind of energy that draws people to a place and helps them and their businesses thrive. We spoke with four community banks in the southern half of Texas to learn how they are serving this buzzing region. By Mindy Charski.

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PYMNTS

MARCH 12, 2020

Below, PYMNTS rounds up the latest tie-ups and data sharing efforts as institutions explore how open banking models might accelerate their modernization efforts. This week, Bectran, which provides a B2B credit management solution, announced enhancements to its Cash Application automation capabilities. Yes Bank Woes See API Disruption.

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Independent Banker

APRIL 30, 2022

Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own path to success. In true community bank fashion, each has its own story to tell and its own path to success.

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South State Correspondent

MARCH 16, 2022

One element that many commercial banks attempt to differentiate with borrowers is the prepayment provision (or sometimes the lack of one). 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.

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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., and a trailblazer in the world of banking as a service (BaaS). experiments with a more visible move from shareholder capitalism to stakeholder capitalism.

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Abrigo

AUGUST 9, 2017

As CEIS Review Managing Director of Special Projects Elizabeth Williams explains: “Stress testing should help management identify pockets of the portfolio that may be vulnerable to changes in short-term interest rates or deteriorating real estate market conditions.

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Jeff For Banks

JUNE 10, 2022

Anton Schutz, President and Chief Investment Officer, Mendon Capital Advisors. Anton formed and has led Mendon Capital for over 25 years. He is a regular contributor to CNBC and other respected news outlets on bank stock investing. Mark Lynch, Retired Partner, Wellington Management. Butterfield and Son Limited.

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Abrigo

MARCH 20, 2015

The list highlights the top 20 banks within each region of the U.S. The Texas Ratio is a key performance indicator in the banking industry, used to assess an individual bank’s health and viewed as a good early indicator of bank failures. Nearly 53 percent of the 80 banks included fell in that asset range.

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Independent Banker

AUGUST 31, 2021

This year’s winners: Left: Central Valley Community Bank, People’s Choice Award; Middle: Kennebec Savings Bank, Exceptional Community Bank Service Award; Right: Cross River Bank, Emerging Service Program Award. Exceptional Community Bank Service Award. Kennebec Savings Bank.

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Independent Banker

JANUARY 26, 2016

ICBA has planned an educational lineup of more than 60 workshops and networking sessions for next month’s Community Banking LIVE conference in New Orleans. Community banks can beat tech-based, nontraditional competitors at their own game. billion-asset community bank in Winter Haven, Fla., Digital Jujitsu.

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PYMNTS

JULY 25, 2017

When you are talking about smaller [community] banks, regional banks and credit unions, there just aren’t the in-house resources to build their own digital lending solutions for products such as private student loans, student refinancing and home improvement loans.”. New Financing — New Growth.

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Tech and Finance

JULY 13, 2016

Regional and mid-tier banks face an uphill battle on the digital front, but have advantages they can capitalize on with some focus and determination. Alarm bells are sounding in boardrooms of regional and mid-tier banks across the U.S. Retail Banking Customer Satisfaction Study from J.D. The 2016 U.S.

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Independent Banker

APRIL 28, 2016

Finally, I focus on economic news in our markets, which include five communities south of Houston. The news will focus on capital spending and job creation with an emphasis on Galveston Island, which is where our community bank’s headquarters and largest market is. What is HomeTown Bank doing in your marketplace?

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PYMNTS

JANUARY 31, 2019

is set to see its first new community bank in decades, as the Federal Deposit Insurance Corporation (FDIC) lent its approval for MOXY Bank to launch in Washington, D.C. MOXY Bank, for example, aims to introduce corporate treasury management services, as well as offerings for small business (SMB) owners.

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South State Correspondent

APRIL 10, 2023

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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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. And product was not part of the bank's success. Bank products have been the same since I've been in banking. I thought, Why?

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Abrigo

AUGUST 1, 2016

Banks are critical financing partners for growing enterprises. Eight in 10 business owners report that a major, regional or community bank is their main financing partner for capital. After all, most of the nearly 29 million businesses in the U.S. They represent valuable wallet share.

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