South State Correspondent

FEBRUARY 20, 2023

Community bankers need to understand their competitive landscape. Who the competition is, what the lending competition is offering, their delivery channels, and service levels can help community banks differentiate their services and enhance their competitive advantage.

National 195

National Lending How To Community Bank 195

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. Instead, we give those dollars to the community.”. Asset size: $1.36

Community Bank 196

Community Bank Community National Fresno 196

Independent Banker

NOVEMBER 21, 2021

includes (from left): Christina Johantgen (head of marketing and creative), Joe York (head of product), Kelsey Cahill (summer associate), Jackie Charron (chief operating officer and executive vice president), Debbie Morin (chief financial officer), and CEO Charley Cummings. The team at Walden Mutual, a planned de novo in Concord, N.H.,

Community 170

Community New Hampshire New York Millennials 170

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. The data would indicate not marketing to a new customer is a mistake.

Marketing 195

Marketing Regional National Nashville 195

Independent Banker

JULY 31, 2022

These community banks share how they have (or haven’t) altered their hiring strategies. According to the BLS, “quit levels and rates” by employees is higher in all employment sectors than it is in “finance and insurance” specifically, which is where community banks would fall (see table below). Photo: Colin Conces. By William Atkinson.

Community Bank 91

Community Bank Community Iowa Louisville 91

Independent Banker

JUNE 30, 2022

We asked community bankers and experts for their advice on ensuring employees feel a sense of belonging. If community banks put in the effort to foster a sense of belonging, the result is a stronger workplace culture, greater employee loyalty and, ultimately, a better experience for customers. By Roshan McArthur.

Community Bank 91

Community Bank Community Leadership Millennials 91

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. The 2014 Small Business Credit Survey was a joint operation conducted by the Federal Reserve Banks of New York, Atlanta, Cleveland and Philadelphia.

Community Bank 150

Community Bank Community Regional Cleveland 150

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

Insights on Business

NOVEMBER 29, 2018

Operational innovation is vital in a highly competitive financial services sector, with a new community of digital banks and other firms vying for market share. Drivers for Operational Innovation. These terms look good on paper, but what do they mean in practice for operational innovation?

Operations 138

Operations Innovation Management Risk Management 138

PYMNTS

JANUARY 12, 2018

The Wall Street Journal reports that the “four-letter” word has been getting the boot from … mall operators. Said one marketing professional involved in a handful of the name changes, some words are anathema, such as pavilion and galleria, which are words that have mall-ish connotations. Call them something else, then, it seems.

Operations 116

Operations New Jersey Ohio Examples 116

PYMNTS

JUNE 24, 2019

The parties rarely meet in person, presenting a trust issue that can become an even bigger problem when employers have to make payments across borders as payment preferences vary between regions. Fiverr provides this by studying and understanding local markets’ preferences. Building Trust From the Ground Up.

Marketing 100

Marketing Community United States Payments 100

PopularBank

OCTOBER 28, 2020

The branch closures, which are expected to be completed simultaneously by January 29, 2021, are projected to reduce annual operating expenses by approximately $13 million. Popular is committed to meeting the needs of our customers and communities, guided by our 127-year legacy.

Puerto Rico 52

Puerto Rico New York Metro Community 52

South State Correspondent

JANUARY 3, 2023

Loans are not fabricated by banks but are negotiated by borrowers and lenders in a broad, relatively efficient market. Because most community banks do not use a risk-adjusted return-on-capital (RAROC) loan pricing model, the only variable that some bankers focus on is loan yield – the most easily measured variable.

Community Bank 221

Community Bank Community Data Marketing 221

South State Correspondent

APRIL 19, 2023

In this article, we will look at deposit performance data related to high balances and show how banks can dramatically increase value by restructuring relationship-based products and better-allocating marketing/sales dollars more efficiently. This is over three times the life of a money market account that is over $1mm in balances.

How To 195

How To Examples Resources Community Bank 195

PYMNTS

OCTOBER 7, 2020

“Japan, the third-largest economy in the world, is an important market in our global growth strategy as we continue to see encouraging signs of recovery across the region amidst the new normal. EMQ already operates in Japan.

Regional 218

Regional System Operations Community 218

South State Correspondent

AUGUST 22, 2023

Part of this ROE value is driven by an average beta of 9 for a TM customer compared to an average beta of 50-60 for a money market or other interest-bearing deposit account. If they do market, it is to every commercial customer in the footprint, which often results in suboptimal marketing results.

Management 195

Management Community Bank Survey Community 195

South State Correspondent

MARCH 28, 2024

By partnering with community leaders, state and federal agencies, local commissions, and commercial customers, banks can be an effective conduit to leverage this public capital better while making sure the funds are fully utilized effectively in the communities we serve. There are lots of details and breadth in these programs.

America 195

America Strategy Taxes Community 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

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

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

PYMNTS

JUNE 15, 2020

Supply chain disruptions and economic volatility have elevated risk exposure for many enterprises, but for small- to medium-sized businesses (SMBs) operating globally, that risk of exposure can be catastrophic. Indeed, for some SMBs, it already has, with economists anticipating a wave of bankruptcies and permanent SMB closures ahead.

Regional 245

Regional Operations Fintech Tools 245

South State Correspondent

SEPTEMBER 20, 2023

For starters, a customer may carry large balances but not generate franchise value if those balances are all in high-paying money market accounts or are highly volatile. The value driver in cash management is that it is usually some sort of operating account at the bank. As such, operating accounts have low-interest rate sensitivity.

Management 195

Management Survey Industry Community Bank 195

PYMNTS

OCTOBER 7, 2020

The challenge of keeping a payments platform and the associated processes in line with these market innovations, the latest regulations and the evolving standards and rulebooks are significant. We’re also seeing existing standards such as EBICS — the Electronic Banking Internet Communication Standard — emerge across Europe,” he said.

Payments 229

Payments System Operations Training 229

South State Correspondent

JANUARY 4, 2023

While the current growth rate needs to be left to each bank based on their capital cost, market, and risk tolerance, the general guide is that growth should be in the 3% to 5% range for this year. In addition, they may consider focusing on these five critical areas: Improve Operating Leverage. Then there is credit.

Community Bank 195

Community Bank Capital Training Lending 195

PopularBank

APRIL 3, 2024

The so-called “forgotten middle” has been a hot topic for many owners and operators as they look to enhance the options with independent housing and assisted living, hoping to help those trapped in the middle gap. Construction costs for middle-market senior housing. The rising construction costs limit the number of such developments.

Community 52

Community Operations Arizona United States 52

South State Correspondent

MAY 9, 2022

In our previous article ( HERE ), we reviewed the banking industry’s cost of funding earning assets (COF), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle. Second, the market has priced in interest rate risk, but it has not priced liquidity risk.

Community Bank 195

Community Bank Community Industry Online 195

PYMNTS

APRIL 24, 2019

I am confident that his appointment will ensure that SWIFT can continue to build on its tradition of excellence and innovation in support of the global financial community, while also enabling acceleration of its endorsed strategy.”. Pérez-Tasso previously served as chief marketing officer for the organization.

Leadership 169

Leadership Regional America Community 169

PYMNTS

APRIL 27, 2020

the California-based online payments system, on Monday (April 27) released its annual Global Impact Report , which typically highlights the firm’s progress on advancing profitability, promoting a diverse workforce, minimizing pollution and operating responsibly. PayPal Holdings Inc.,

Report 168

Report Community California Regional 168

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. Services Ecosystem.

Community Bank 116

Community Bank Community Operations Leadership 116

Independent Banker

JULY 31, 2022

Fallout from recent global events presents an obstacle to generating revenue for community banks. Since COVID-19, profitability planning for community banks has mainly hinged on how the government was coping with the pandemic and the key role financial institutions played in keeping the economy afloat. By Elizabeth Judd.

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. is among the community banks carefully navigating the new landscape.

Missouri 142

Missouri Community Bank Community Management 142

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%.

Trends 195

Trends Community Bank Community Retail 195

South State Correspondent

DECEMBER 8, 2023

The real reason that this conference makes our favorites list is that this is one of the few conferences where we can learn what the largest and most progressive banks are doing in the market. Many banks were looking to install more automation to lower operating costs. Increasing lifetime value was a common discussion with every bank.

Conference 195

Conference Retail Community Bank Technology 195

PYMNTS

DECEMBER 13, 2018

TerraPay’s low-value payments network enables customers to send and receive transactions across many different payment instruments and systems, which allows for operability in domestic, international and regional markets. Ambar Sur, the CEO of TerraPay, said he’s enthusiastic about the partnership. “We

Mobile 170

Mobile Denver Colorado Regional 170

South State Correspondent

MARCH 6, 2023

Credits will deteriorate much faster if an economic downturn stresses net operating income (NOI). We argued that community banks should favor 1.40X to 1.50X DSCR credits, as that is the minimum cash flow required to withstand a standard recession. debt yield ratio ($135k divided by $1.5mm).

Community Bank 195

Community Bank Community Lending Regional 195

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. When business lines must continuously collaborate with marketing, I.T.,

Leadership 158

Leadership Industry Management Resources 158

PYMNTS

JULY 21, 2020

The value grocery chain also said it intended to come into the greater Phoenix market and continue to support Gulf Coast store growth with a new Alabama distribution center, according to a Tuesday (July 21) announcement. The grocer intends to break ground on its new Loxley, Alabama distribution center and regional headquarters next year.

Alabama 159

Alabama Phoenix Arizona Florida 159