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. We also shared a table that summarized the two strategies.

How To 195

How To Community Bank Community FDIC 195

PYMNTS

JULY 31, 2019

The company revealed that David Kowach has been named head of Community Banking, while Jim Hays has come onboard as president and head of Wells Fargo Advisors. Andy Rowe is Enterprise Customer Excellence executive, and Elli Dai has been hired as Small Business and Personal Lending Group executive.

Community Bank 147

Community Bank Lending Regional Strategy 147

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). Think about the wild ride that Silvergate Bank has taken with its crypto strategy.

Fintech 167

Fintech Customer Experience Conference Technology 167

South State Correspondent

SEPTEMBER 20, 2023

What clients want the bank and are likely to move to your bank? Here, a tool like IBIS World comes in handy for setting bank strategy as you can look up any of the below industries to see their geographical dispersion. Yet, many community banks have not organized their TM effort to exploit this service advantage.

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Management Survey Industry Community Bank 195

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.

Community Bank 172

Community Bank Community Montana Taxes 172

The Financial Brand

APRIL 18, 2023

The impact of rising interest rates on commercial real estate lending will be a key issue among regionals and community banks. This article Earnings Watch: Uninsured Deposits & Commercial Real Estate Loans Should Be Prime Focuses appeared first on The Financial Brand.

Community Bank 30

Community Bank Regional Lending Branding 30

FICO

OCTOBER 2, 2019

I would like to examine what I think ‘small banks’ (community banks, regional banks, and credit unions) can do to capture more market share of the small business lending market. I may use the bank for my checking and deposit bank or have previous lending experience with them.

Lending 40

Lending Marketing Community Bank Online 40

Gonzobanker

NOVEMBER 2, 2023

Pillar #2: Leaders Transcend Daily Hustle to Build New Systems Most regional and community banks grew up executing the fundamentals with sheer hustle and hard work. Pillar #4: Leaders Are Relentless About Execution While many banks are chock-full of experienced, resumed leaders, they consistently struggle with execution.

Leadership 158

Leadership Industry Management Resources 158

Gonzobanker

DECEMBER 17, 2021

We know the customer buying and use of financial services is being fundamentally changed by fintech, but our long-term strategies to invest/partner/buy/compete are very much works in progress. The merger of equals activity in 2021 was sky high, primarily because banks with pinched margins from low rates worked to grabbed scale.

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Fintech Strategy Leadership Lending 147

Independent Banker

JULY 31, 2022

Fallout from recent global events presents an obstacle to generating revenue for community banks. As we enter budgeting season, the answers might be found in a mix of strategies. It’s certainly an interesting time to be a community bank, but there are still plenty of ways to make efficiencies with an eye on profitability. ?

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Strategy Community Bank Louisville Community 135

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.

Community Bank 70

Community Bank Community San Diego Strategy 70

Gonzobanker

JANUARY 17, 2020

Wells Fargo analyst Mike Mayo got a great deal of attention this year when he claimed that the coming decade will be “the biggest tech transformation in the history of banking.” For execs who climbed the ladder in finance, lending or branches, buckle in because the techies are about to steal the show.

Customer Experience 127

Customer Experience Fintech Regional Cards 127

South State Correspondent

JANUARY 25, 2024

This strategy is used for various reasons discussed further in this article. Recently, larger lenders, including Bank of America, JPMorgan, Goldman Sachs, and Wells Fargo, have announced that they are seeing an elevated appetite for forward rate locks on loans for future anticipated commercial borrowings.

How To 195

How To Community Bank Community National 195

Independent Banker

JULY 1, 2015

Jamey Smith Citizens Bank in Kilgore, Texas. Jamey Smith forges complete partnerships for successful commercial lending. Jamey works hard to be a true partner to his customers, becoming an integral part of their team of professionals,” says Sammy York, Citizens Bank’s president and CEO. “He By Judith Sears.

Analytics 70

Analytics Houston Texas Training 70

American Banker

NOVEMBER 22, 2016

Huntington Bancshares in Columbus, Ohio, said it plans to add 1,000 jobs by 2024 at a new office complex in Columbus and lend $300 million to low- and moderate-income communities in the city over the next five years.

Columbus 28

Columbus Lending Ohio Community 28

Gonzobanker

APRIL 14, 2015

Looking around online, the closest competing offers I found were $300 from a couple of regional banks, but none from community banks or credit unions. I also noticed online that OnDeck was alongside Wells Fargo and Bank of America in the Top 5 search rankings for business loans.

Marketing 60

Marketing Community Bank Branding Community 60

American Banker

OCTOBER 7, 2020

Many consumers are taking to the highways and the water for safe getaways during the pandemic — powering one of the few bright spots in lending. However, bankers warn that boomlets usually come with distinctive credit risks.

Lending 69

Lending Community Bank Regional Community 69

Jeff For Banks

MARCH 29, 2014

Two sections of the 10k I scroll to is the "Business" section and the "Business Strategy" section. This, one would think, would give me a feel of the bank''s differentiation strategy, it''s perceived competitive advantage, if you will. Well don''t get too excited. I picked Texas because of their perceived independent streak.

Strategy 101

Strategy Texas San Antonio Fort Worth 101

American Banker

NOVEMBER 3, 2016

Regulators have pressed banks to watch out for rising concentrations of commercial real estate loans. Some banks have paid heed, but others are skyrocketing past recommended thresholds.

Lending 28

Lending Regulation Community Bank Regional 28

American Banker

JANUARY 9, 2017

Iberiabank and Simmons First are among the banks entering new regions. A growing need for scale and increased use of technology are among the reasons for their aggressive moves.

Regional 28

Regional Technology Community Bank Capital 28

American Banker

SEPTEMBER 21, 2016

Bankers generally expect loan demand to increase over the next year, but global shocks, domestic politics and regional economic variations may be prompting them to prepare for slightly slower growth than before.

Regional 28

Regional Community Bank Community Strategy 28

South State Correspondent

OCTOBER 28, 2022

For banks, this means creating products that accomplish a task and then integrating banking in the background. During the two weeks, there were over a hundred significant cyberattacks by nation-states on national and regional banks that you could watch unfold in near real-time (bel0w) at Gartner and Money 20/20.

Conference 195

Conference Technology Las Vegas Trends 195

American Banker

AUGUST 12, 2016

United Community and Wells Fargo are among the banks building platforms to lend to senior-care facilities. Demographics suggest the business should grow significantly in coming years.

Lending 28

Lending Community Community Bank Regional 28

American Banker

JUNE 29, 2016

BancorpSouth Bank agreed Wednesday to a $10.6 million settlement with the Consumer Financial Protection Bureau and the Justice Department for allegedly discriminatory mortgage lending practices that harmed minorities.

Lending 34

Lending Community Bank Regional National 34

American Banker

AUGUST 23, 2016

The latest lending figures show just how prodigious banks' shift from construction to C&I loans has been since the crisis. Yet a hard look at C&I credits, especially their loss rates, raises questions about whether they are safer.

Lending 28

Lending CA Community Bank Regional 28

American Banker

MARCH 10, 2016

Not only are widening credit spreads for both banks and the companies they lend to a red flag, but the financial sector is also feeling a hit from lower energy prices.

Lending 28

Lending Company Community Bank Regional 28

American Banker

OCTOBER 19, 2016

Profit improved at M&T Bank in the third quarter as the Buffalo, N.Y., company expanded commercial and mortgage lending and completed the sale of a large investment-securities portfolio.

Security 28

Security Lending Company Community Bank 28

American Banker

SEPTEMBER 16, 2016

Banks that are heavily involved in commercial real estate lending may shy away from buying institutions with similar concentrations.

Lending 28

Lending Community Bank Regional National 28

American Banker

OCTOBER 18, 2016

posted higher third-quarter earnings after booking more loans across several lending categories. Synovus Financial in Columbus, Ga.,

Columbus 28

Columbus Lending Community Bank Regional 28

American Banker

JULY 11, 2016

Offering a new product or considering a merger may boost returns, but the Office of the Comptroller of the Currency says changes in strategy can be risky.

Strategy 28

Strategy Cyber Security Community Bank Regional 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. Shirley Nelson , Summit Bank. Bank Headquarters: Oakland, Calif.

Oakland 98

Oakland Community Bank Community Industry 98

Gonzobanker

DECEMBER 20, 2019

. ————————————————————————— The ‘En Vogue’ Trend of the Year – Credit unions buying community banks. Legacy banks need not apply. The bank’s strategy is laser-focused.

Idaho 148

Idaho Conference Data Marketing 148

Gonzobanker

DECEMBER 19, 2022

In January, we were discussing crypto and the need to formulate customer crypto strategies. SoFI gets a commercial bank that brings deposits, compliance, AND business lending. Seacoast Bank is at it again… and this time it is blowing past $10B in a big way. The Smarter Bank Ecosystem Award. Goes to Encore Bank.

Community 216

Community Fintech Industry Innovation 216

Gonzobanker

DECEMBER 14, 2023

Not the financial industry’s “Troublemakers ” – those regional and community banks, credit unions and supporting fintech entrepreneurs who continue to engage customers and communities and find niches that keep the grassroots of our country’s financial system alive and kicking. billion bank in the Mid-Atlantic region.

Fintech 195

Fintech Community Regional Technology 195

American Banker

JUNE 27, 2016

Perhaps you read on vacation to escape the financial services grind, or perhaps you read to hone your business craft. Numerous titles on this year's list — recommended by American Banker readers, BankThink contributors, our staff and others — fall somewhere in between. Read about the lives of figures like Elon Musk or Barney Frank.

How To 44

How To Management Community Bank Regional 44

American Banker

DECEMBER 30, 2016

From Dimon's campaign against earnings guidance to the bottom-line implications of rising rates, here are more of our favorite stories of the year. See part I here.).

Community Bank 39

Community Bank Regional National Community 39

American Banker

DECEMBER 23, 2016

From the election's policy implications for banking to deep analysis of the Wells Fargo scandal, here are some of our favorite stories of the year. Stay tuned for Part II.

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Analysis Policies Community Bank Regional 28