Community Bank Comparison Lending National 
South State Correspondent
APRIL 18, 2022
Historically, community banks have relied on net interest margin (NIM) instead of fee income to drive return on equity (ROE). In contrast, larger banks have emphasized non-interest income rather than NIM to boost ROE and revenue. Industry Comparison of Fee Income. Why Fee Income Is Important. Conclusion.
South State Correspondent
SEPTEMBER 18, 2023
This development is very important to community banks, as their efficiency ratio also increased, but to 61.63%. The national banks have already indicated how they plan to reverse the efficiency ratio increase – through headcount reduction. What is Driving the Efficiency Ratio at Community Banks?
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South State Correspondent
MAY 23, 2022
Customers and competitors are challenging community banks to extend loan duration – borrowers are eager to lock fixed rates before they rise further, and many competitors are happy to oblige. But what are the optimal fixed terms for community banks given today’s interest rate, credit, and liquidity environment?
South State Correspondent
JUNE 9, 2022
Many community banks are searching for ways to increase fee income, and many bank CEOs have concluded that fee income is a significant driver of revenue and profitability. We argue that larger banks do not have an inherent advantage over community banks in generating fee income because of their scale.
South State Correspondent
APRIL 24, 2022
Banks have ceased using LIBOR to price assets and liabilities after 2021. However, some community banks are still deciding on the correct term lending index to adopt. Many banks are uncertain that they have chosen the best term index for their products and markets. Considerations For Choosing A Term Lending Index.
Jeff For Banks
DECEMBER 7, 2019
As a point of reference, the SNL US Bank & Thrift index total five year return was 65%. Before we begin and for comparison purposes, here are last year's top five , as measured in December 2018: #1. It is the Mountlake Terrace, Washington holding company for 1st Security Bank, a $1.7 Carolina Financial Corp. They are a $6.2
Independent Banker
APRIL 28, 2016
I try to give the Fed staff various performance numbers on our banks, what their projected numbers will be before the call reports are filed, and what their short-term forecasts are projecting. Finally, I focus on economic news in our markets, which include five communities south of Houston.
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