South State Correspondent

MARCH 5, 2024

Several measurable factors drive loan (and, by extension, bank) profitability, including loan size, credit quality, term, cross-sell, and upsell. In this article, we will consider how and why loan size is one of the most significant drivers of profitability for community banks and what community banks can do to improve performance.

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Community Bank Community National Lending 195

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. With clearance to move forward with its plans, the community banking landscape will see its first new industry player in years.

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Community Bank Community FDIC Marketing 122

PYMNTS

JANUARY 9, 2018

While marketplace lending platforms and alternative finance players first surfaced to compete with traditional financial institutions (FIs), many large banks have now realized that collaborating with these companies is the way to better service SMBs — and without the added investment in developing proprietary systems.

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Community Bank Community Fintech Lending 131

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 ).

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Community Bank Community Analysis Industry 195

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. This is strong evidence that community banks are pricing to an arbitrary minimum credit spread in this set of loans.

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How To Community Bank Community Management 195

South State Correspondent

MAY 9, 2022

Your bank’s deposit beta is going to rapidly change. In our previous article ( HERE ), we reviewed the banking industry’s cost of funding earning assets (COF), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle.

Community Bank 195

Community Bank Community Industry Online 195

South State Correspondent

AUGUST 22, 2023

The opportunity for the product is that for an average community bank, 83% of their commercial, non-profit, and municipal customers are NOT using treasury management services. This likely creates the most significant single profitability lift for any bank. Beyond that, most models fall off.

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Management Community Bank Survey Community 195

South State Correspondent

FEBRUARY 20, 2022

Community banks refine their products and services to compete for better borrowing relationships – the better borrowing relationships are associated with better credit quality, meaningful cross-sell opportunities, acceptable margins and fee income, and higher return on equity (ROE).

Community Bank 195

Community Bank Community Marketing Regional 195

South State Correspondent

SEPTEMBER 20, 2023

In this article, we discuss cash management profitability and rank the most profitable industries for banks to go after. We ranked the Top 20 Deposit-Rich Industries ( HERE ). However, these are two different clients, and it merits a proactive choice by the bank of which of these two clients you should pursue.

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Management Survey Industry Community Bank 195

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.

Community Bank 195

Community Bank Community Los Angeles Regional 195

Jeff For Banks

APRIL 4, 2010

Community banks tout themselves as better than national and regional banks because of how close they are to their communities. But this opinion ignores the generations of history many banks across our great land have built. When the bank opened in 1905, Hallstead was already a thriving community.

Community Bank 60

Community Bank Pennsylvania National Community 60

PYMNTS

APRIL 16, 2019

Cross-border FinTech efforts have seen increasing participation from central banks and monetary authorities. The banks have also agreed to share data on emerging markets. Deputy Managing Director of MAS Jacqueline Loh said the relationship demonstrates a FinTech that may extend to other countries in the ASEAN region.

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Fintech San Francisco National Innovation 211

Independent Banker

MARCH 31, 2022

This Community Banking Month, I invite you to try something new to spread your story. Share a new development, community project or initiative. As community bankers, we know relationships matter. I’m headed to Memphis to meet with our state and regional partners, and then I’ll be engaging with the team at CRA Partners.

Oklahoma City 161

Oklahoma City social media Memphis Community 161

Abrigo

NOVEMBER 21, 2014

Now that banks have filed their third quarter financial reports , what did the lending picture look like last quarter? Nationally, the picture is a fine one. Total commercial and industrial (C&I) loans across all 6,600+ U.S. banks is up $157 billion from the same period in 2013. From that subset of all U.S.

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Lending South Carolina Miami Community Bank 186

Gonzobanker

DECEMBER 14, 2023

Bank leaders must feel like Rocky Balboa after 15 rounds with Apollo Creed. Just think of what the industry dealt with in the last 12 months: The brunt of the unprecedented scope and pace of Fed rate hikes hit home, and banks have seen an.80 The housing industry, and mortgage banking revenue, came to a stop.

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Fintech Community Regional Technology 194

Cisco

JANUARY 10, 2023

As a change agent serving the financial services industry for over 20 years, it is a great privilege to collaborate with Bank, Insurance, and Wealth Management institutions to devise and execute digital transformation strategy, solve complex business problems, and leverage technology to strengthen business results.

Digital Strategies 174

Digital Strategies Strategy America Innovation 174

Independent Banker

NOVEMBER 24, 2014

ICBA inaugurated its Community Banker of the Year award program this year to recognize the exceptional work of the individual employees of ICBA member community banks. The association accepted nominations online throughout the month of September, allowing anyone to recommend a community banker for consideration.

Community 116

Community Oakland Wyoming Regional 116

PYMNTS

JULY 17, 2020

He said that while small banks, credit unions (CUs) and regional players deeply fear being swept aside by the great digitalization wave that the pandemic has set off, their concerns aren’t actually unique to the financial industry’s smaller end. Instead, FIs must go digital in the ways consumers are seeking.

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Regional Cards National Trends 198

South State Correspondent

DECEMBER 8, 2023

The need to reduce cost, the move to instant payments, and the need to deliver more unique products and services are all driving this effort at credit unions, community banks, and mid-sized banks. Helping small businesses with their cash flow is currently the most significant arms race in banking.

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Conference Retail Community Bank Technology 195

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. The result is a credit-skewed portfolio to the negative.

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Lending Community Bank Community Data 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., and a trailblazer in the world of banking as a service (BaaS). Make no mistake, there is no going back to traditional banking. price/book multiple.

Fintech 166

Fintech Customer Experience Conference Technology 166

Independent Banker

JULY 30, 2015

An interview with Paul McGuire, ICBA’s executive vice president, national solutions group. With a consultative approach, I ensure members’ needs are being met through our eight regional offices,” he says. A daily email newsletter that provides a comprehensive coverage of breaking industry news, including policy matters in Washington.

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Resources Tools Community Bank Community 70

PYMNTS

JUNE 18, 2018

Thirty-four years have passed since SMB optimism was this high , according to the National Federation of Independent Business (NFIB). percent decline in shares at large banks , coinciding with a 7.8 percent increase in shares at mid-cap regional banks and a 12.1 Big banks’ loan portfolios increased by 3.1

Lending 112

Lending Community Bank Regional Community 112

Gonzobanker

MAY 17, 2022

For regional and community banks there has never been a more frustrating time to be a buyer versus a builder of financial technology. The industry lacks an efficient tech ecosystem. Banks have not sufficiently built next generation I.T. Bankers shouldn’t feel smug merely pointing the finger at vendors.

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Technology Regional Community Bank Community 135

Independent Banker

MARCH 31, 2019

with our state regional partners. As community bankers, we are bold in our communities every day, but we can all try stretching just a little bit further. Our industry has so much momentum right now, especially in terms of advocacy and innovation, so now is the time to continue to push the boundaries.

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Washington Memphis Community Nashville 70

Abrigo

AUGUST 31, 2023

Relationship building has long been part of the financial services industry, so knowing your customer may seem straightforward. But in 2023, KYC procedures must include extra steps to reasonably confirm that the client is who they claim to be and position your bank as an inclusive environment for clients.

Compliance 195

Compliance Community Training System 195

Abrigo

JULY 15, 2015

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. Advise clients to look for business partners or help connect them with investors in their region.

Management 150

Management Resources Capital Taxes 150

American Banker

JUNE 1, 2016

Community banks are doing very well, thank you very much, Mr. Dimon. The Wall Street Journal's ongoing series on the banking industry looks at the state of community banking, and pronounces the sector healthy, but facing serious issues. … Receiving Wide Coverage. Return to Form?:

Community Bank 28

Community Bank Community Industry Regional 28

Independent Banker

DECEMBER 1, 2015

For the second year, ICBA recognizes the exceptional work of the individual employees of community banks with its. Community Banker of the Year award program. The association accepted nominations online during the month of September, allowing anyone to recommend a community banker for consideration. Regent Bank.

Community 70

Community Tulsa Texas Utah 70

Gonzobanker

DECEMBER 19, 2022

As expected, these rate hikes stopped the mortgage industry in its tracks. Financial institutions that relied on mortgage banking fee income as a key earnings component have been left to make big adjustments. 2022 was the year the fintech industry and venture capital firms figured out that banking is harder than everybody thought.

Community 216

Community Fintech Industry Innovation 216

Independent Banker

FEBRUARY 25, 2015

Coping just fine, community banks in energy-producing regions manage the oil-price plunge. Yet community bankers serving the oil industry say they’ve been expecting a drop in the notoriously cyclical price of crude. Pat Hickman, chairman and CEO of Happy State Bank, a $2.6 New energy regions adapt.

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North Dakota Texas Louisiana Community Bank 70

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. Many workshops will address changes shaping our industry today as well as its future. Community banks can beat tech-based, nontraditional competitors at their own game.

Community Bank 70

Community Bank Community San Diego Strategy 70

Abrigo

MAY 20, 2015

It’s not just the technology industry that is constantly evolving – many other industries must also remain adaptable to the changing landscape of the American consumer. One such industry is banking. For community banks and credit unions, this may be more of a challenge.

Apple 150

Apple Comparison Mobile Innovation 150

Independent Banker

JANUARY 26, 2016

A young entrepreneur prefers relationship community banking. With whatever time he has had left over, he runs his own regional business magazine. In general, Meadows believes community banks can play an important role in helping young businesspeople. By William Atkinson. He’s an entrepreneurial prodigy.

Community Bank 70

Community Bank Community Illinois Regional 70

American Banker

SEPTEMBER 29, 2016

City National Bank in Los Angeles has launched a national business to focus on the food and beverage industries.

Los Angeles 28

Los Angeles National Industry Community Bank 28

Independent Banker

NOVEMBER 24, 2014

“I love being around people, and people are what community banking is all about.” Shirley Nelson, Summit Bank. Overcoming various long odds over the years, Shirley Nelson launched and then grew a thriving California community bank. National Award Recipient. Shirley Nelson , Summit Bank.

Oakland 98

Oakland Community Bank Community Industry 98

Independent Banker

NOVEMBER 24, 2014

We let our actions speak for the bank.” Mark Zaback, Jonah Bank of Wyoming. Under the big Montana sky, Mark Zaback helps lead a community bank with a cowboy code. Western Region Award Recipient. Mark Zaback , Jonah Bank of Wyoming. Bank assets: $280 million. We let our actions speak for the bank.”.

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Wyoming Kansas City Community Bank Community 94