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.

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Community Bank Community Los Angeles Regional 195

South State Correspondent

DECEMBER 8, 2023

Every Bank Has a Certain Level of Small Business Banking Channel Confusion While few said it, almost every major bank implied some level of channel confusion with small business banking as it overlaps with retail, commercial, and specialty lines of business. However, this was the most common structure.

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Conference Retail Community Bank Technology 195

South State Correspondent

AUGUST 8, 2022

Insights Based on 2Q Bank Earnings. Insight #1 – Deposit & Margin Management: Deposit runoff has started and will make it to community banks by October. For 2Q, larger community banks lost about 0.3% of their deposits, and small banks were either flat or continued to gain.

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Trends Community Bank Community Retail 195

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. These banks often have scale, efficiency, and a singular focus. The primary business location is a significant factor for top-performing banks.

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Community Bank Community Data Marketing 221

ABA Community Banking

NOVEMBER 17, 2020

A community bank finds multiple ways to build relationships across a diverse region. The post Reaching Hispanic Communities by Cultivating Good Will and Colorful Gardens appeared first on ABA Banking Journal.

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Community Community Bank Regional Marketing 105

South State Correspondent

AUGUST 20, 2015

One problem with commercial loan portfolio due diligence is that there is no common underwriting standard between community banks. Mortgages, autos, consumer and other retail-type of loans tend to be more standardized since liquidity is greater. One bank’s “3” rated credit can be another bank’s “6.”

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Community Bank Regional Lending Community 150

Abrigo

FEBRUARY 17, 2015

Community banks (under $10 billion in assets) and regional banks (between $10 and $50 billion) represent 21 percent and nine percent, respectively. Regarding loan type, retail loans (residential mortgages, HELOCs, consumer loans) represent 44 percent of the total loan portfolio.

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St. Louis Lending Community Bank Regional 150

Celent Banking

MARCH 16, 2015

This last week the American Banker Retail Banking Conference 2015 was going on in Austin, TX. As expected, it was a great way to read the temperature of the banking industry. One of the presentations used non-FI examples to look at how banks can approach integrating omnichannel into customer interactions.

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ABA Community Banking

JANUARY 8, 2020

As banking becomes ever more technology-driven, many banks are shifting from a mindset that puts big tech projects off to one side to one that embraces ongoing innovation, development and deployment. Regions Bank exemplifies the latter mindset.

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Regional Innovation Technology Customer Experience 52

Banking Exchange

NOVEMBER 19, 2019

For community and regional banks one area that remains largely untapped is commercial lending Community Banking Feature Feature3 Bank Performance The Economy Management Financial Trends Lines of Business Technology Retail Banking.

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Lending Trends Community Bank Regional 60

ABA Community Banking

FEBRUARY 4, 2019

Study found that large banks are increasing market share when it comes to financial advice Bank Performance Financial Research Feature Financial Trends Retail Banking Customers Community Banking Feature3.

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ABA Community Banking

FEBRUARY 17, 2019

Institutional investors including hedge funds now own more than three quarters of the company’s stock Community Banking Profitability Feature3 M&A Bank Performance Financial Research Feature Retail Banking Bank Boardroom Performance Mortgage.

Regional 40

Regional Community Bank Community Retail 40

South State Correspondent

FEBRUARY 8, 2023

While national banks are getting more sophisticated, many regional banks still think of just price, giving community banks a considerable advantage. This part of the formula is less complex for a community bank than a regional or national bank and is where community banks can excel.

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Community Bank Marketing Community Regional 195

ABA Community Banking

NOVEMBER 5, 2018

Number of women that make the list will likely continue to grow Bank Performance Feature Management Retail Banking Performance Community Banking Feature3.

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Banking Trends Regional Trends Groups 40

PYMNTS

JULY 27, 2016

The edge mid-sized and community banks have historically had on the big guys is that they put a face to banking. Today, though, FinTech has changed the game, and new customer demands could be taking away community banks’ leg-up on their largest peers. Power report on retail banking in the U.S.,

Regional 100

Regional Community Bank Community Study 100

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. That brings [smaller] banks an immediate string of deposits,” Good said.

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Community Bank Community Operations Leadership 116

Independent Banker

DECEMBER 31, 2021

They share tips for how community banks can get started. Social media has made it easier for community banks to nurture connections with prospects, customers and the community. Depending on a community bank’s in-house resources, however, creating a paid social campaign might feel daunting. “A

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Marketing Strategies Strategy Marketing social media 91

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

PYMNTS

SEPTEMBER 12, 2018

“When you combine a strong economy, healthy retail demand and the willingness of small business owners to reinvest their savings from tax cuts, it creates a positive atmosphere for small business lending ,” said Rohit Arora, Biz2Credit CEO, in a statement. Business owners are bullish on the economy.”.

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Lending Community Bank Taxes Community 102

Independent Banker

JULY 31, 2022

Fallout from recent global events presents an obstacle to generating revenue for community banks. 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. ? But one of the biggest problems in community banking today is a fear of risk.

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Strategy Community Bank Louisville Community 135

American Banker

FEBRUARY 29, 2016

Bankers in the Bakken Share region of Minnesota and North Dakota are keeping an eye on exposure to hotels, apartments and retail space as economic slowdowns occur in energy producing markets.

Regional 28

Regional North Dakota Minnesota Retail 28

South State Correspondent

JANUARY 4, 2023

Charlotte, Houston, Phoenix, New York, Austin, Denver, Orlando, Miami, and Nashville, many banks have not adjusted pricing or their credit appetite. Sectors like office, retail, and hospitality, are even worse. For 2023, banks need to prioritize interest rate risk management and credit accuracy as a top priority. Conclusion.

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Community Bank Capital Lending Training 195

PYMNTS

OCTOBER 8, 2018

Also in Europe, the European financial markets regulator has said that it wants to spend one million euros to promote market stability in the region as pertains to cryptocurrencies and FinTechs. That document focuses on budgets and regulatory efforts across the region. community banks and small business lending.

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United States Regulation cryptocurrency Cleveland 174

American Banker

OCTOBER 7, 2016

plans to accelerate its growth in upstate New York by opening regional headquarters in Albany. Berkshire Hills Bancorp in Pittsfield, Mass.,

Regional 40

Regional New York Branch Strategies Community Bank 40

Tech and Finance

JULY 13, 2016

Regional and mid-tier banks face an uphill battle on the digital front, but have advantages they can capitalize on with some focus and determination. Alarm bells are sounding in boardrooms of regional and mid-tier banks across the U.S. Retail Banking Customer Satisfaction Study from J.D. The 2016 U.S.

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Regional Mobile Millennials Study 28

PYMNTS

MARCH 9, 2020

A vast majority of consumers express a passing interest in exploring banking-like services from providers that are not banks, even though only a small percentage of consumers use those providers today in that way. Nearly every single consumer uses an institution that provides all of those services as their primary bank.

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How To Millennials ATM Fintech 232

PYMNTS

JULY 24, 2018

Synovus Financial announced that it has acquired FCB Financial Holdings, the state’s largest community bank, in a deal valued at $2.9 Synovus said the agreement will make it a top five regional bank, based on deposits. Synovus Acquires FCB Financial. Ford Creates Self-Driving Unit.

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Apple Florida New York City New York 101

South State Correspondent

MAY 31, 2023

Five: Last Mile Digital Conversions One of the more successful uses of modern branch strategy is to move non-mobile banking customers onto your bank’s mobile platform. The average community bank may have 30% to 50% on mobile, while the national banks are closer to 80%.

Data 195

Data Branch Strategies Strategy Mobile 195

Independent Banker

NOVEMBER 24, 2014

With vigor and a strong commitment to service, Ron Paul leads a rapidly growing community bank in Maryland. Eastern Region Award Recipient. Bank assets: $5 billion. Retail outlets: 22. Ronald Paul first encountered community banking as a real estate developer in the early 1980s. Bethesda, Md.

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Community Washington Community Bank Maryland 70

Independent Banker

NOVEMBER 25, 2015

Even with technology’s increasing influence on retail banking, it’s not typical for a community bank to have one of its most senior and trusted executives concentrate primarily on leading consumer product and payments innovation. Retail offices: 85. billion-asset, 85-branch community bank based in Rockland, Mass.,

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Innovation Community Bank social media Community 70

Independent Banker

APRIL 28, 2016

The Houston region has seen substantial layoffs, and the daily headlines predict more will be announced. In fact, huge expansion projects are now underway across our region. What is HomeTown Bank doing in your marketplace? IB: Tell us about HomeTown Bank. IB: Galveston has a big tourist economy.

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Dallas Texas Houston Community 131

South State Correspondent

OCTOBER 28, 2022

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. Any community bank that believes it can keep up and thwart millions of attacks per second is fooling itself.

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Conference Technology Las Vegas Trends 195

Independent Banker

JANUARY 27, 2016

“It’s becoming more and more important for community banks to emphasize that they have the same products and services as large banks.” Eric Morse, Needham Bank. Mental cobwebs of outdated perceptions can sometimes be hard for a community bank to shake off. Needham Bank. Retail locations: Eight.

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Community Bank Community Boston Branding 70

PYMNTS

DECEMBER 31, 2020

Ninety-two percent of small FI respondents said they were considering, already offering or in the process of providing real-time payments for consumer retail transactions compared to 80 percent that said the same about commercial use cases.

Payments 168

Payments Resources Survey Examples 168

Independent Banker

NOVEMBER 24, 2014

Central Region Award Recipient. Merchants & Planters Bank. Bank assets: $250 million. Retail outlets: 11. When Gowen first arrived at Merchants & Planters in 1983 to serve as its president and senior lending officer, the bank had two branches and $47 million in assets. In Arkansas, Jim S. Jim Gowen Sr.

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St. Louis Community Bank Community Leadership 105

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. Retail locations: Three. Title: CEO.

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Wyoming Kansas City Community Bank Community 94

Abrigo

MAY 20, 2015

While many bank and credit unions are consistently updating their financial technology behind the scenes to ensure smooth back-end processes, tech upgrades for consumer-facing products and services are increasingly important to customer satisfaction and retention. For community banks and credit unions, this may be more of a challenge.

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Apple Comparison Mobile Innovation 150