South State Correspondent

OCTOBER 10, 2022

FTP was introduced to banks in the early 1980s to help manage interest rate risk on a transactional basis. Over time FTP was further advanced to allow management to measure and manage credit, interest rate, liquidity, and operational risk across business units. Simple Funds Transfer Pricing Example.

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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

JUNE 30, 2023

Many banks pride themselves on superior customer service, and approximately 90% of all community banks believe that they provide an above-average level of customer service (the math cannot work that way). There are several ways for bank managers to address this issue and better align relationship pricing with bank profitability.

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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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Abrigo

FEBRUARY 23, 2023

Relationship focus helps CFIs Small banks can leapfrog competitors and better serve their communities by combining their unique advantages with smart management and partnerships. Takeaway 3 With effective technology, the bank can continue to grow its portfolio without necessarily adding staff.

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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

NOVEMBER 29, 2023

One of the lessons that was driven home at the recent American Banker Small Business Banking Conference in Nashville was the difference in marketing between large national banks and community banks, particularly deposit marketing. Many banks fall into the “recency trap.” There is a reason for this.

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South State Correspondent

AUGUST 8, 2022

With 100+ public banks reporting, we have more than a representative sample to see 2Q 2022 bank earnings trends and derive some operational insights on bank performance. Fees at banks dropped, primarily driven by mortgage operations, and net interest margin increased by approximately 25 basis points to 3.12%.

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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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PYMNTS

JULY 30, 2020

The company’s collection of AI bots for the AP process now include bots for cost allocation, fraud detection, invoice reading and inbox managing. ” Zycus aims to reduce existing AP operations expenses for very large companies that receive many yearly invoices by half, according to an announcement. .”

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South State Correspondent

DECEMBER 8, 2023

Strike early and often to keep the customer building their relationship with your bank. Where there is no correct answer, the takeaway was that the most successful banks have a clearly communicated definition and often meet with their retail, commercial, and specialty counterparts to manage issues and conflicts.

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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. Location – Because most banks take on the profitability of an area, geography matters. Operating Leverage – Scale matters.

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Gonzobanker

NOVEMBER 2, 2023

In the throes of managing balance sheets and loan portfolios and at the same time executing daily “run the bank” operations, bankers are faced with the need to continuously develop new customer experiences and scale enterprise capabilities. That’s the new DNA we need to increase across the banking industry.

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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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PYMNTS

OCTOBER 22, 2019

This developing world of payments and the fierce competition offered by non-traditional providers of financial services presents big challenges to smaller and community banks – those financial institutions (FIs) with less than $10 billion in assets. Those operations manage and own 50 percent of [U.S. Deposit Trends.

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South State Correspondent

JANUARY 4, 2023

That said, smart banks will make growth a byproduct and ensure they have all their other processes right. In addition, they may consider focusing on these five critical areas: Improve Operating Leverage. This combination means that banks will need to focus on the quality of their earnings. Develop a more innovative process.

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PYMNTS

MARCH 12, 2020

But the latest initiatives reveal a growing interest in transforming internal processes, particularly among smaller banks looking to upgrade their core infrastructure and elevate small business lending operations. Equiniti Eyes APIs for Risk Management. Hawthorn River Eyes Open Banking for Community FIs.

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PYMNTS

APRIL 16, 2020

This week’s look at the latest in bank-FinTech collaborations and open banking initiatives finds a focus on small business lending: In the U.K., Open banking startup Railsbank, founded by Currencycloud Founder Nigel Verdon, secured some high-profile funding with the recent investment by Visa, according to recent reports.

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PYMNTS

OCTOBER 6, 2020

Of course, the pandemic has forced banks – like all businesses – to rethink their priorities and make adjustments to how they interface with customers. unveiled its next generation of operating software for ATMs, designed to integrate the now decades-old cash-dispensing machines into the digital age. On Monday (Oct. 5) NCR Corp.

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PYMNTS

JULY 16, 2020

The technology lets community banks, regional banks and FIs provide a white-labeled AP offering to their business clients. Weeks into telecommuting, however, some questions might exist as to how serious companies were about moving AP operations to the cloud and making vendor payments digital.

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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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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.

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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.

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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.

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Lending Capital Management Tools 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.

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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.

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South State Correspondent

AUGUST 22, 2023

If one product is the future of banking, it is treasury management. With a competitive offering, it will be easier to attract the small business and mid-sized companies that a bank needs to fuel its core growth. This likely creates the most significant single profitability lift for any bank.

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Independent Banker

SEPTEMBER 30, 2021

Changing customer banking habits means it’s more important than ever for community banks to use every tool at their disposal. Community banks may have longstanding relationships with their core vendors, but that doesn’t always mean they keep up to date on all the latest features and functionalities.

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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). Technology Management Breaking the Bank? price/book multiple.

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Jeff For Banks

JUNE 10, 2022

Mark Lynch, Retired Partner, Wellington Management. He was also a portfolio manager of mutual funds, hedge funds, and institutional portfolios focused on the banking sector over that period. Prior to Wellington, he was a US regional bank analyst with Lehman Brothers and Bear Stearns. Technology?

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Gonzobanker

JANUARY 17, 2020

California CCPA), it’s hard to imagine just how far techies will be able to upend the nuts and bolts of the banking industry. Community banks and credit unions do not fear each other. Here’s a great question for community bank executives: What would it take for your local competitors to fear you as much as a Top 5 player?

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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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Independent Banker

JULY 31, 2022

Following their stints as interns, Malvern Bank retained the talents of (L to R) Cody Sorenson, Keegan Wederquist and Adam Konfrst, hiring them as full-time, mid-level team members. These community banks share how they have (or haven’t) altered their hiring strategies. Total employment quit rates by region: Northeast.

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Community Bank Community Iowa Louisville 91

Gonzobanker

MARCH 9, 2022

While both firms have strong underlying technology and development shops, neither Finxact nor Technisys has the functional requirements to service all consumer and commercial account types for most regional and community banks. Let’s be clear Gonzobankers, these deals are NOT about massive numbers of bank core replacements.

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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.”. Lending-as-a-Service.

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