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.

How To 195

How To Community Bank Community Management 195

Abrigo

FEBRUARY 23, 2023

Meanwhile, leaders at small banks recognize that their institutions play a vital role in helping community businesses and individuals not only weather uncertainty but also thrive. How can community financial institution leaders manage their challenges and seize their opportunities at the same time?

Community Bank 195

Community Bank Kansas City Community Lending 195

PYMNTS

JUNE 4, 2019

Payment company PayFi and The Clearing House (TCH) have partnered to bring real-time payments technologies to the community banks on PayFi’s Branch99TM Real-Time Platform, according to a release. “We We are in the middle of an unprecedented disruption in the banking and payments industries,” PayFi Head of Growth Peter Gordon said.

Community Bank 120

Community Bank Payments Community Regional 120

PYMNTS

NOVEMBER 24, 2020

Our partnership with Jack Henry helps us bring Plaid Exchange to hundreds of regional and community banks, and helps ensure millions of people can access digital finance apps and services no matter where they choose to bank, invest and manage their money,” Karvounis added.

Fintech 198

Fintech San Francisco Community Bank Regional 198

PYMNTS

APRIL 16, 2020

Currencycloud is connecting regional banks to advanced FX and global payments technologies, while the firm’s founder, Nigel Verdon, is also targeting Banking-as-a-Service with his new startup, Railsbank. Visa Invests in Open Banking FinTech Railsbank. Deloitte, Unqork, Plaid Debut Lending-as-a-Service Tool.

Data 167

Data Lending Regional Fintech 167

PYMNTS

MARCH 26, 2020

To regain some of that ground, Connie Davis, senior vice president at FIS , told PYMNTS in a recent interview, FIs — particularly credit unions (CUs) and community banks — must transform the way they think about digital offerings and connected experiences. That means they can compete more effectively against digital-only competitors.

Community 247

Community Community Bank Mobile Cards 247

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

South State Correspondent

JANUARY 22, 2023

In a previous article ( here ), we discussed why commercial loan prepayment protection would be a critical return on asset (ROA) driver for community banks in 2023. We outlined the four main reasons why prepayment provisions increase profitability for banks. The greater fool theory breaks down in a recession.

Community Bank 195

Community Bank Community Capital Maine 195

PYMNTS

JULY 31, 2017

. -14% of SMEs using a large global bank have switched providers in the last year, while even more told FIS they are considering doing so in the next year. and Europe are looking at switching banks to access more high-tech services, like faster payment capabilities. -48%

Survey 112

Survey Community Bank Community Regional 112

PYMNTS

JULY 16, 2019

Ondot said its 4,000 banks and credit unions will see faster and easier upgrades while also gaining access to the latest innovations and functionality. This option allows mid-sized and smaller issuers to more quickly and easily launch these services and compete with large national banks on digital customer experience.”.

Innovation 128

Innovation Compliance User Experience Cards 128

PYMNTS

JULY 10, 2020

For several years, while state-level legalization has expanded, access to traditional banks remains an issue thanks to their status as federally regulated entities. Today, however, the banking challenge has largely been solved. According to Muller, data is often at the heart of this issue.

Innovation 210

Innovation Payments Tools Compliance 210

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. The amount was disclosed in the Annual Work Program, which had been devised by the European Securities and Market authority at the end of last month.

United States 174

United States Regulation cryptocurrency Cleveland 174

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.

Community Bank 196

Community Bank Community National Fresno 196

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. Inherently, they trust their banks more.”. The Three Things Smart FIs Must Offer.

Regional 198

Regional Cards National Trends 198

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. And so it went in Hallstead, growing gradually, as towns tended to do in rural Pennsylvania, with bank loans funded by local depositors supporting the growth.

Community Bank 60

Community Bank Pennsylvania National Community 60

Ublocal

APRIL 6, 2023

With many pandemic-related food relief programs ending—including increased SNAP benefits and free school lunches —as well as rising inflation and food costs , the risk of food insecurity for residents across our region is ever-growing. It’s also something that we can all work on together to eliminate.

New Hampshire 52

New Hampshire Vermont Community Regional 52

PYMNTS

MAY 30, 2018

Financing of all sorts was on the downswing, and SMB owners began dipping into their own piggy banks before seeking a lending agreement. That finding comes care of data gathered by 12 regional Federal Reserve banks in a survey conducted over the third and fourth quarter of 2017.

Lending 115

Lending Community Bank Survey Community 115

Abrigo

AUGUST 31, 2023

From a security standpoint, forcing customers into Western nomenclature can lead to missed OFAC specially designated nationals (SDN) list matches, and open-source information searches could be lost or overlooked. Members of Amish or sovereign citizen communities often have fewer government-issued IDs.

Compliance 195

Compliance Community Training System 195

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?

Customer Experience 126

Customer Experience Fintech Regional Cards 126

Independent Banker

MAY 24, 2016

To be formally issued this month, the changes in the standard will considerably reduce the complexity and cost of its loan and securities impairment and provisioning requirements. For example, the accounting standard will now be crystal clear that community banks can forgo certain unnecessary or inappropriate disclosures.

Community Bank 72

Community Bank Community Policies Leadership 72

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

Independent Banker

OCTOBER 29, 2014

Early Air Force service prepared the way for community banking in California. My Air Force training was as a security policeman. military personnel in the region. My thought was to work at the bank during that summer and then in the fall start college full time and continue to work part time at the bank.

Community Bank 79

Community Bank Training Community Montana 79

PYMNTS

AUGUST 12, 2019

While Credibly’s commentary suggests demand is up for alternative lenders and FinTechs, separate data from the Biz2Credit Small Business Lending Index revealed traditional banks are also seeing an increase in approved small business loan volume. and the U.K.

Lending 144

Lending US Capital Data 144

William Mills

JANUARY 24, 2017

based Infusion , a company that helps regional and community banks produce profitable growth through data analysis and data-driven direct marketing campaigns through their proprietary ProfitGenerator® process.

Marketing 40

Marketing Data Analysis Regional 40

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.

Community Bank 122

Community Bank Community FDIC Marketing 122

Independent Banker

DECEMBER 13, 2015

Certain mobile functions and features are essential to the success of a community bank’s mobile banking offerings. Newfangled mobile capabilities could help community banks stand apart from their competitors. Funds transfer (within same bank). But which ones? Wheat and Chaff. Check balances.

Community Bank 70

Community Bank Boston Community Iowa 70

Independent Banker

NOVEMBER 24, 2015

Certain mobile functions and features are essential to the success of a community bank’s mobile banking offerings. Newfangled mobile capabilities could help community banks stand apart from their competitors. Funds transfer (within same bank). But which ones? Wheat and Chaff. Check balances.

Community Bank 70

Community Bank Boston Community Iowa 70

Independent Banker

FEBRUARY 24, 2016

Welcome to the Crescent City, where the largest educational gathering of community bankers convenes this month. It’s Community Banking LIVE 2016 in New Orleans. State/Regional Partners Reception*. State/Regional Affiliate Associations & Exhibitor Receptions*. Monday, March 7. Concurrent Workshops.

Community Bank 70

Community Bank Community Innovation Customer Experience 70

Jeff For Banks

FEBRUARY 26, 2023

for $234 million for 162% of tangible book when regional targets were selling for 146% of tangible book. securities laws, be current in their disclosure, and be sponsored by a third-party advisor. And to do stock deals, your stock has to be considered valuable by the target. Suncrest sold in 2022 to CVB Financial Corp.

Conference 78

Conference CA Arizona Case Study 78

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

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

JANUARY 29, 2021

Comerica, Citizens Financial and other companies are buying up securities, paying off high-cost borrowing and trying to develop specialty lending niches. But loan growth remains weak, and the likelihood of extreme volatility in deposits makes it hard to plan ahead.

Management 80

Management Lending Security Company 80

American Banker

NOVEMBER 6, 2020

The statement comes after multiple small and midsize institutions earlier this year warned the agencies that the secured overnight financing rate was ill-suited to them.

Regulation 76

Regulation Security FDIC Community Bank 76

American Banker

OCTOBER 5, 2020

Banks will have to employ a mix of securities buying, hedging and other balance-sheet-management tricks to prop up margins longer than initially imagined. The flood of liquidity that accompanied the pandemic recession isn’t likely to subside anytime soon.

Security 77

Security Management Community Bank Regional 77

PYMNTS

MARCH 18, 2019

Although only 60 banks and credit unions (CUs) have made Zelle available to their customers, approximately 230 have signed up for the service. While some larger financial institutions (FIs) have joined the platform, regional community banks and CUs account for 85 percent of Zelle’s participants. A P2P Balancing Act.

Security 148

Security Fraud User Experience California 148

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.

Strategy 135

Strategy Community Bank Louisville Community 135

Independent Banker

MARCH 31, 2022

We asked community banks how they’re dealing with the resulting shifts in their employment models. Before remote work was an emergency measure to keep employees safe from a devastating virus, it was a perk some community banks offered to retain and attract talent. One bank that is not turning back. WesBanco, Inc.

Missouri 142

Missouri Community Bank Community Management 142