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How to Manage Your Efficiency Ratio with Loan Size

South State Correspondent

This development is very important to community banks, as their efficiency ratio also increased, but to 61.63%. However, we believe that community banks should consider a different strategy since community banks’ much higher efficiency ratio results from a different driver.

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Whole Paycheck Tracker: Target, Walmart Comparison Uncovers Different Digital-First Strategies

PYMNTS

By a strict look at the macro numbers, Target still pales in comparison. And when attention turns to loyalty programs, the comparison is even more dramatic. The more standard one is the Capital One-issued rewards card. It’s worth looking at how the two brick-and-mortar champions, Walmart and Target, stack up.

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Strategic Loan Refinancing for Profitability

South State Correspondent

In an article last week ( Here ), we discussed how the higher-for-longer interest rate environment will affect the community bank sector. We argued that community banks must learn to improve performance in a low-growth environment for the foreseeable future. This is especially important when liquidity is scarce, as it is now.

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Bank IT Spending – Use These Metrics to Improve Performance

South State Correspondent

Benchmarking can help banks better optimize capital as it gives bank management a sense of what the average is for the industry. As such, IT employees are expected to make up a larger percentage of total employees this year because of staff cuts and the increase of more information security, AI, and data management personnel.

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How Your Asset/Liability Management Model Makes Budgeting and Forecasting Easier

Abrigo

Key Takeaways A good asset/liability management (ALM) model has a wealth of information and tools that can be used in the budgeting process. The good news is a good asset/liability management (ALM) model has a wealth of information and tools that can be used in the budgeting process. Optimize your asset/liability management decisions.

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How Your Asset/Liability Management Model Makes Budgeting and Forecasting Easier

Abrigo

Key Takeaways A good asset/liability management (ALM) model has a wealth of information and tools that can be used in the budgeting process. The good news is a good asset/liability management (ALM) model has a wealth of information and tools that can be used in the budgeting process. Optimize your asset/liability management decisions.

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10 Reports every bank and credit union should run NOW

Abrigo

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. They help manage and shape strategy in volatile economic and industry conditions. the Community Bank Leverage Ratio (CBLR) and the minimum Tier 1 leverage ratio).

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