Independent Banker

DECEMBER 31, 2022

Here’s how community banks can enhance their payments offerings. We’ve got capital market resets that are potentially happening, technology advancements and continued heightened digital expectations. As 2023 kicks off, community banks can respond to today’s payments landscape by addressing five key trends. By Colleen Morrison.

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Trends Payments Community Bank Texas 140

Independent Banker

AUGUST 31, 2022

Daniel Galindo, pictured, and Doug Schaeffer of Woodforest National Bank helped involve the community bank in providing funding for and access to affordable housing. Location: The Woodlands, Texas. Assets: $9 billion. Generational wealth typically starts with home ownership. The largest purchase families make is typically their home.”.

Austin 91

Austin Texas Community National 91

Perficient

JULY 10, 2020

Achieving these commitments will require clinical, marketing, and operations teams partnering more closely together and in a way they never have before. COVID exposed the fragility of many systems’ operating models: an over-reliance on a small number of services to fund expenses across the enterprise. The $200B question.

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US Marketing Automation Marketing System 522

PYMNTS

JUNE 18, 2018

Sometime in the near future, a gig economy or remote worker who lives in an apartment building in Austin, Texas might start their day like this: They will leave their apartment and walk downstairs to a coffee shop where they will grab an iced latte. The operation itself leads to higher-asset level goals,” Hightower added.

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Community Austin Texas Comparison 119

Independent Banker

JUNE 30, 2022

Effects of the pandemic and other factors creating unpredictability have changed how community banks approach their credit and lending operations. These experts share nine tips and credit risk best practices to offer stability in an ever-changing market. Illustration by erhui1979/iStock. By Judith Sears.

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Management Community Bank Community Regulation 103

PYMNTS

SEPTEMBER 26, 2019

Advanced technology is raising the stakes of how CUs should operate, with members now demanding the instant payments and slick mobile interfaces that large banks and FinTechs have made standard,” the Tracker stated. Take the legal hemp and marijuana market, for example. But it can also be in the broader small business community.

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Lending Community Bank Community Fintech 108

PYMNTS

APRIL 11, 2019

Walgreens and VillageMD , a leading national provider of primary healthcare, have announced a partnership to provide primary care services for adult patients in the Houston, Texas area. Walgreens chief medical officer and group vice president, healthcare services and clinical programs, said in a press release. billion in healthcare spending.

Houston 108

Houston Texas Community National 108

PYMNTS

MARCH 31, 2020

High-level market intelligence about the $18 billion expected to be invested over the next three years is a major focus of the March 2020 Automated Retail Tracker™ from PYMNTS , which serves as a bimonthly breakdown of developments in this rapidly growing business sector. Amazon Go’ Cashless. And Amazon and 7-Eleven aren’t alone.

Retail 140

Retail Texas Illinois Seattle 140

PYMNTS

AUGUST 21, 2018

Companies like American Tile & Stone and Premier Packaging have already begun using Uber Freight to improve their shipping operations, and we’re excited to now roll out the platform widely to our freight community,” the company wrote in the blog post.

South Carolina 100

South Carolina North Carolina Arizona Georgia 100

PYMNTS

FEBRUARY 7, 2018

H-E-B is not only the neighborhood grocery store for many communities in Texas: It’s also an eCommerce retailer with digital features to better reach its customers. Now, even if you move outside of Texas, you’ll still have a ‘neighborhood H-E-B’ just a click away.”.

Texas 116

Texas San Antonio Oklahoma City Oklahoma 116

Gonzobanker

DECEMBER 22, 2020

And how did community banks and credit unions respond to the COVID craziness? Our clients showed banking at its best – obsessed with customer well-being, good corporate citizenship, and strong community focus. Jill is continually demonstrating just how loud a $300 million community bank can roar! Bravo Brett and team!

Idaho 172

Idaho Community Industry Strategy 172

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. Philadelphia.

Community Bank 172

Community Bank Community Montana Taxes 172

Independent Banker

NOVEMBER 30, 2021

Premium benefits packages, professional development and TLC during the pandemic—this year’s winners do everything in their power to keep their community bankers happy and fulfilled. We asked both leaders and staffers to tell us what makes their community banks stand out as employers. Key Community Bank: Leading by example.

Community Bank 164

Community Bank Community Texas Leadership 164

Abrigo

MAY 11, 2017

Retail Retail is typically one of the larger segments within the commercial real estate portfolio for the average community bank. Along with multifamily and condominiums, the retail sector is surging in high growth areas such as the Carolinas, Florida, Texas and Nashville.

Nashville 150

Nashville Retail Analysis United States 150

PYMNTS

FEBRUARY 7, 2020

7-Eleven , in one case, is experimenting with a cashierless store concept at its corporate headquarters in Texas. RBS had the task of application development, food retail operations and technology connectivity, while UST Global and its partners provided the artificial intelligence (AI) solution and physical infrastructure.

Retail 143

Retail Dallas Massachusetts Technology 143

Independent Banker

AUGUST 27, 2015

Community National Bank & Trust of Texas. in Corsicana, Texas. We have a very successful junior college, school district and hospital—the typical things that you would expect to see in a community. We also don’t have a retail brokerage operation. So it’s pretty much your traditional operation.

Community 70

Community Community Bank Texas US 70

Long Lasting Ideas

JANUARY 5, 2015

But how do we attract a generation that communicates phone-to-phone and text to text, not face to face? Believe it or not, this is a slice of the market that in some cases has never opened the doors of a bricks-and-mortar branch bank or learned how to write a check. On a more personal note, my 25- year- old son decided to buy a house.

Marketing 40

Marketing Millennials Community Bank social media 40

Independent Banker

FEBRUARY 24, 2016

Mikella Newsom (middle) successfully manages a $325 million institutional investment portfolio for City Bank in Lubbock, Texas. Community bank institutional investment portfolio managers have been put through their paces the past several years. Yet that is exactly what many community banks have accomplished.

Community Bank 70

Community Bank Community Texas Management 70

PYMNTS

DECEMBER 4, 2020

Q3 operating profit hit $792 million, up from $254 million the previous year. The company further noted that it has made “continued investments to support and safeguard associates, customers and communities, nearly $1.3 Earnings per share (EPS) reached $.80, 80, up from $.32. billion since March.”. "As

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Puerto Rico Oklahoma Kentucky Indiana 142

Independent Banker

JULY 29, 2016

The demand for professional development opportunities for community bankers has never been greater. Last year Community Banker University’s eight certification programs provided more than 4,000 community bankers with highly tailored training.

Minneapolis 70

Minneapolis Community Bank Community San Antonio 70

Independent Banker

MARCH 31, 2022

Faced with several transitional issues, here’s how these community banks gained support from their new providers to adapt to the change. The CEO, CFO, chief lender, chief compliance officer, operation lead, head tellers, branch managers and HR manager of the $330 million-asset community bank participated. asset community bank.

How To 91

How To Community Bank Community System 91

PYMNTS

NOVEMBER 8, 2018

More importantly, how does one use such a thing — or even a bike — and operate it in an urban environment without falling off, getting hit and suffering injury? Bird , a company focused on e-scooters , provided more than 10 million rides in its first 12 months of operation. It’s hardly an academic concern. Scooter Accident.

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San Francisco social media San Diego Los Angeles 128

PYMNTS

JULY 24, 2018

The Other Bets unit also reported an operating loss of $732 million, a 16 percent increase from the second quarter of 2017. According to some observers, that increase might indicate that hiring costs for Waymo employees are increasing as the market for connected and self-driving automotive technology continues to grow.

Conference 100

Conference Phoenix Arizona Michigan 100

Jeff For Banks

MARCH 18, 2017

Their original purpose, as I understand it, was to use up operating, liquidity, and credit capacity in larger financial institutions to benefit nearby community banks. Take my firm, that builds profit reporting models for community financial institutions based on how they are individually managed, and the products that they offer.

Kansas 79

Kansas Community Bank Community New Jersey 79

Gonzobanker

JULY 10, 2020

Community-based institutions have unique circumstances (and personal viewpoints) that impact how they see the world in the future and what planning will look like for them. How do we elevate our credit and operational risk visibility to ensure capital preservation and demonstrate strength to stakeholders? Getting Back to Work.

Risk Management 88

Risk Management Capital Strategy social media 88

Gonzobanker

SEPTEMBER 10, 2019

The digital banking market continues a long burn—this time like the smoke of a Texas summer barbecue. Geneva-based Temenos’ announced the acquisition of Austin, Texas-based digital application provider Kony in a deal totaling $580 million. market expansion. market has been a hard row to hoe for Temenos.

United States 88

United States Texas Austin Kansas City 88

CFPB Monitor

SEPTEMBER 21, 2015

The CFPB announced the appointment of new members to its Consumer Advisory Board, Community Bank Advisory Council, and Credit Union Advisory Council. New members to the Consumer Advisory Board will serve three-year terms and new members to the Community Bank and Credit Union Advisory Councils will serve two-year terms. Kathleen C.

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Groups Los Angeles San Francisco Community Bank 60

Jeff For Banks

DECEMBER 26, 2012

In its latest investor presentation, BofI highlighted it''s expense ratio (operating expense as a percent of average assets) compared to peer as 1.67% versus 3.17%, respectively, and efficiency ratio (operating expense as a percent of total revenue) compared to peer as 35% versus 63%, respectively. Texas Capital Bancshares, Inc.

Texas 79

Texas National FDIC Capital 79

Independent Banker

SEPTEMBER 22, 2015

Having worked in banking for nearly 23 years and having been preceded in executive leadership by my father and grandfather at our family’s community bank, I have repeatedly heard similar statements from our mortgage customers. It’s not just community bankers. If they did, they would address the problem more urgently.

Maine 70

Maine Regulation Washington Community 70

PYMNTS

JUNE 19, 2017

After experiencing the awkwardness this could cause firsthand on a trip to South by Southwest in Austin, Texas, cofounder Brian Chesky implemented PayPal, which enabled guests to pay online but still required Airbnb to deliver checks to hosts, which was a time-consuming process (and, um, checks!). Remodeling the payments process.

Payments 112

Payments System Austin Community 112

Jeff For Banks

DECEMBER 22, 2013

Texas Capital Bancshares, Inc. versus 68.5%, respectively) and its operating expenses as a percent of average assets compared to peer banks (1.66% versus 3.09%, respectively).So, So, as a branchless bank, BofI has leveraged its significantly lower operating expenses into profit. BofI Holdings, Inc. #2. Bank of the Ozarks, Inc.

Community Bank 86

Community Bank Atlanta Community Strategy 86

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

Gonzobanker

DECEMBER 17, 2021

Lots of tech and operations to clean up, it appears, but no solid bank is better qualified than the team from Minneapolis. For the past four-plus years, Chesler has guided Glacier through continued growth and successful acquisitions across the West, all while staying true to Glacier’s local market culture. Acronym of the Year.

Fintech 143

Fintech Strategy Leadership Lending 143

Gonzobanker

MAY 12, 2020

Two, customers seemed to move to the next-most-logical channel (marketers, you are free to use our new terminology). As bankers re-open, this might be the opportunity to accelerate efforts to create new go-forward delivery operating models. billion, Dallas, Texas Bankers Trust, $5.0 Some contact center clients went to digital.

Trends 141

Trends ATM Survey Tampa 141

PYMNTS

SEPTEMBER 6, 2019

According to the company, the program is relatively recent and the badge is currently being tested in “select markets for certain customers.”. “We The announcement comes about a month after an El Paso, Texas Walmart was the scene of a mass shooting incident that left 22 people fatally wounded.

El Paso 139

El Paso Georgia Dallas Alaska 139

Gonzobanker

DECEMBER 19, 2017

Rainbolt has quietly built a community bank in the past 20 years that is closing in on $2 billion of market cap. For 35 years, Wilmers led M&T with creativity, integrity and the “old-school” wisdom of a community banker who created a $26 billion market cap company. GonzoBanker of the Year – Large Banks.

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Conference Industry Community Bank Community 91

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