American Banker

FEBRUARY 1, 2024

A day after the regional bank's stock tumbled on tough fourth-quarter results and some austerity moves, observers debated whether management just needs time to build enough capital to catch up with growth or if it is still too overexposed in multifamily lending.

New York 78

New York Strategy Community Regional 78

South State Correspondent

MARCH 5, 2024

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. However, a community bank’s average commercial loan size is between $250k and $500k. Some of the results are shown in the table below.

Community Bank 195

Community Bank Community National Lending 195

South State Correspondent

MARCH 5, 2024

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. However, a community bank’s average commercial loan size is between $250k and $500k. Some of the results are shown in the table below.

Community Bank 195

Community Bank Community National Lending 195

PYMNTS

NOVEMBER 13, 2018

To that end, news came earlier this week in the United States that a dozen community and regional banks have formed a group aimed at exploring the opportunities amid FinTech offerings. This time around, Sweetbridge is using blockchain in a lending context.

Community Bank 183

Community Bank Community Fintech Arizona 183

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. The regional bank also noted growing interest among smaller FIs to embrace the bank-FinTech collaboration trend.

Lending 194

Lending Risk Management Fintech Community 194

PYMNTS

DECEMBER 11, 2020

We did more loans in a two-month period than we did in 10 years of SBA lending combined," he said. "We Historically, traditional business lending is based on historical financial performance," he said. This not only helps FIs with their own lending processes, but can also enable small businesses to begin to look into their own futures.

Lending 233

Lending Capital Resources Taxes 233

PYMNTS

JANUARY 9, 2018

With big banks pulling back from small and medium-sized business (SMB) lending in the wake of the global financial crisis, the market was ripe for someone else to fill the credit gap. Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index.

Community Bank 131

Community Bank Community Fintech Lending 131

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. 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

China’s community banks are raising new fears over the health of the industry after auditor Ernst & Young resigned from its work with regional bank Bank of Jinzhou. Reports said the decision for EY to quit is the latest event to raise concerns over China’s community banking sector.

Regional 100

Regional Community Bank Community Policies 100

PYMNTS

APRIL 12, 2017

The latest example of this comes from Regions Bank at its corporate headquarters in Birmingham, Ala. Prior to joining the Regions Bank community, Duggirala served as the CTO of Kabbage, a small business lender. The bank’s corporate office has chosen Amala Duggirala as its new CIO. ”

Regional 100

Regional Fintech Leadership Resources 100

Abrigo

OCTOBER 27, 2014

While Q3 reports will trickle in over the coming days to meet the end of October deadline, a crucial piece of the puzzle the financial community and economists will be looking at is loan growth rates. As American Banker reported last week, nearly a dozen regional banks saw scattered growth in their loan portfolios as part of the Q3 filings.

Lending 247

Lending Report Trends Community 247

Abrigo

NOVEMBER 21, 2014

Now that banks have filed their third quarter financial reports , what did the lending picture look like last quarter? However, Q3 commercial lending is down from the beginning of 2014 (quarter ending 3/31/2014) by about $67 billion. bank and credit union, named the “ Top 15 community banks by commercial loan growth.”

Lending 186

Lending South Carolina Miami Community Bank 186

Abrigo

DECEMBER 18, 2023

WATCH Takeaway 1 Banks and credit unions are critical sources of capital for businesses in their communities, so how institutions assess CRE credits matters. Critical capital Should CRE lending be off the table? But that might not be the best move for your financial institution or your community. The impact is not consistent.”

Risk Management 221

Risk Management Management Lending Capital 221

Abrigo

AUGUST 28, 2019

Slow lending decisions and frustrating loan application processes are among borrowers’ biggest gripes with traditional financial institutions vs competitors such as online or alternative lenders. Drive faster lending decisions. Contacting a branch manager might yield insight on depositors for potential upsells for loans. Get started.

Lending 150

Lending Analysis Taxes Data 150

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.

Lending 60

Lending Trends Community Bank Regional 60

Abrigo

JANUARY 22, 2015

According to a recent survey from four Federal Reserve Banks, small regional and community banks have the highest approval rate for small business loans. Small regional and community banks had a much higher approval rate (90 percent) for those firms classified as “Growers.”

Community Bank 150

Community Bank Community Regional Cleveland 150

Bank Innovation

APRIL 13, 2020

Rapidly deployed automation technologies are helping community and regional banks keep up with the deluge of applications. The Small Business Administration launched its Paycheck Protection Program loans more than a week ago and banks have been racing to keep up with the volume ever since.

Innovation 370

Innovation Regional Community Technology 370

PYMNTS

AUGUST 12, 2019

One area of impact is small business finance and lending, with small businesses and lenders seeing a slowdown in demand. Small business lending platform Funding Circle commented on this effect in its latest earnings data, noting that there has been “some deterioration” in its higher-risk small business loan bands in the U.K.

Lending 144

Lending US Capital Data 144

PYMNTS

SEPTEMBER 12, 2018

In its monthly Small Business Lending Index, released Tuesday (Sept. 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.

Lending 102

Lending Community Bank Taxes Community 102

PYMNTS

OCTOBER 22, 2019

New Jersey-based financial institution Investors Bank has announced a collaboration with online small business lending firm OnDeck to digitize its own small to medium-sized business (SMB) lending operations. The companies announced their collaboration in a press release Monday (Oct.

Lending 101

Lending New Jersey Online Customer Experience 101

South State Correspondent

APRIL 18, 2023

Top-performing community banks deploy relationship banking. Many community banks state that they embrace and promote relationship banking, but the model is not easy to deliver effectively, and its implementation is not as intuitive as some bankers may believe. Today, we look at the value of concentric relationship building.

Strategy 195

Strategy Regional Industry Community Bank 195

South State Correspondent

MARCH 5, 2022

Community banks face intense competition for profitable borrowers and relationships. With short-term interest rates rising and long-term rates still at historically low levels, all bankers should understand how swap spreads may provide a competitive lending advantage. The Impact on Bank Lending. Conclusion.

Community Bank 195

Community Bank Lending Community Regional 195

Bank Innovation

JANUARY 6, 2020

Jack Henry, the banking technology provider that specializes in community and regional banks, is expecting banks to increase their human-digital approaches in 2020.

Community 243

Community Regional Technology Company 243

PYMNTS

FEBRUARY 8, 2018

Small business hiring may have petered out in January, but lending to SMBs certainly didn’t. The latest Biz2Credit Small Business Lending Index found SMB lending among large financial institutions (FIs) continued to climb, reaching a 25.3 percent approval rate in January.

Lending 108

Lending Taxes Regional Analysis 108

American Banker

MARCH 28, 2024

based Integrated called off a deal to sell itself to MVB Financial after bank stocks took a hit in the aftermath of the regional bank failures. Capital hopes to expand its government-guaranteed lending with the transaction. Last year, the Raleigh, N.C.-based

Raleigh 81

Raleigh Capital Regional Lending 81

PopularBank

OCTOBER 2, 2020

When we first opened our doors, we did so with a great sense of purpose and a vision to make a difference within our communities. I am proud to share that Popular’s commitment to meeting the diverse and growing needs of our customers and communities across all our regions is stronger than ever before.

Community 98

Community New York New Jersey Meeting 98

American Banker

FEBRUARY 6, 2024

The regional bank's stock price again fell by double digits on Tuesday, marking the fourth daily decline of at least 10% in the last week. The latest shoe to drop was the news that Chief Risk Officer Nicholas Munson left the company early this year.

New York 69

New York Community Regional Company 69

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. In this article, we look at using FTP attribution to better understand lending profitability.

How To 195

How To Community Bank Community Capital 195

PYMNTS

MARCH 12, 2019

Federal Reserve Governor Lael Brainard said on Tuesday (March 12) that a more flexible look at banks through the lens of the Community Reinvestment Act (CRA) could potentially make capital available for regions outside the usual areas financial institutions cater to.

US 108

US Community Regional Lending 108

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. Bank engagement is a habit.

Marketing 195

Marketing Regional National Nashville 195

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.

How To 195

How To Community Bank Community FDIC 195

South State Correspondent

JUNE 10, 2015

In the course of our work with community bankers, we deal with hundreds of banks across the country and talk to thousands of lenders. Competition is intense and every lender is looking for an advantage against the national or regional bank.

Lending 150

Lending Marketing Regional Course 150

American Banker

FEBRUARY 7, 2024

The regional bank announced a leadership shakeup on Wednesday, capping a tumultuous week in which shareholders became spooked about its exposure to the commercial real estate sector.

New York 56

New York Leadership Community Regional 56

American Banker

FEBRUARY 29, 2024

The turmoil at New York Community Bancorp resumed Thursday with the departure of CEO Thomas Cangemi. The embattled regional bank, which also recorded a $2.4 billion goodwill impairment charge and disclosed other new problems, saw its share price plunge.

New York 81

New York Regional Community Lending 81

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., 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.,

Data 167

Data Lending Regional Fintech 167

ABA Community Banking

APRIL 1, 2018

First Financial’s Oak Street sub lends to insurance, other verticals Management Lines of Business Community Banking.

Lending 40

Lending Regional National Community Bank 40