South State Correspondent

APRIL 30, 2024

Meet Competitive Pressures : National and larger regional banks are specifically targeting better borrowers for five, seven, ten-year fixed-rate loans. Lending Discipline : Sensible pricing methodology is part of a loan hedging program, and some hedge providers also offer a loan pricing model.

Community Bank 195

Community Bank FDIC Community National 195

Abrigo

NOVEMBER 21, 2014

Now that banks have filed their third quarter financial reports , what did the lending picture look like last quarter? Nationally, the picture is a fine one. However, Q3 commercial lending is down from the beginning of 2014 (quarter ending 3/31/2014) by about $67 billion. banks is up $157 billion from the same period in 2013.

Lending 186

Lending South Carolina Miami Community Bank 186

Abrigo

DECEMBER 18, 2023

Takeaway 2 Advisors recommend that financial institutions look behind some of the headlines and examine their own markets before ruling out CRE altogether. Critical capital Should CRE lending be off the table? But understanding trends in their own portfolios and local markets can allow lenders to identify risk-appropriate CRE credits.

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Risk Management Management Lending Capital 221

South State Correspondent

JUNE 10, 2015

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

Lending 150

Lending Marketing Regional Course 150

PYMNTS

MARCH 19, 2019

The country’s regulators have gotten tough on the shadow banking market in recent years. However, while regulators are happy to see shadow lending fade, the sector’s main borrowers — private companies — are feeling the strain. China’s $9.1 As a result, outstanding loans in the sector fell to ¥61.3 trillion ($9.1

Lending 100

Lending Regulation Maine Regional 100

South State Correspondent

JANUARY 25, 2024

Forward Rate Lock Tools National lenders have been using locks for decades, and these instruments can take many forms. As we have discussed before ( HERE ), one common lending mistake is for lenders to hold a rate constant during underwriting. The forward rate lock allows a win-win outcome for both borrowers and banks.

How To 195

How To Community Bank Community National 195

PYMNTS

DECEMBER 28, 2020

In Mercado’s home nation of Brazil, he describes the last eight months as a “fundamental transformation” in a conversation with PYMNTS’ Karen Webster. I mean, throughout the Latin American region that has happened, but it has been massive in Brazil. Brazil at the beginning of last year was a different Brazil, for sure,” he said. “We

Lending 220

Lending Data Marketing Regional 220

South State Correspondent

MARCH 5, 2022

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. In this current market, swap spreads are negative, and banks that can utilize swap spreads in pricing loans gain a substantial pricing advantage.

Community Bank 195

Community Bank Lending Community Regional 195

PYMNTS

FEBRUARY 17, 2020

The expansion of BankFinancial Equipment Finance brings its leasing capabilities to governmental, middle-market and small businesses, BankFinancial announced on Friday (Feb. BankFinancial Equipment Finance will also continue its corporate leasing, lending, deposit and treasury management services to independent equipment lessors nationwide.

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Illinois Lending National Conference 131

South State Correspondent

JANUARY 20, 2023

What ends up happening is that banks lose more of the higher quality credits to regional and national banks and then get adversely selected for the riskier credits. The other ultra-competitive sector was owner-occupied lending backed by real estate to medical professionals. Banks had tight spreads on loans with 1.2

Lending 195

Lending Community Bank Community Data 195

South State Correspondent

APRIL 10, 2023

While the market focuses on deposits and liquidity, media pundits and analysts are waiting for credit problems to appear. 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). touched off a wave of bankruptcies.

Community Bank 195

Community Bank Community Los Angeles Regional 195

Independent Banker

JANUARY 31, 2022

This region has the kind of energy that draws people to a place and helps them and their businesses thrive. That year, installations further south, in the region that includes Brownsville and Corpus Christi, supported an estimated 41,000 jobs and contributed about $4.6 Here’s how four community banks are thriving in this environment.

Texas 182

Texas San Antonio Community Bank Community 182

PYMNTS

OCTOBER 14, 2016

Not one of the four alternative lending startups that secured investments this week were from the U.S. Alternative Lending. Late last week, South Africa’s LulaLend brought some rare attention to the nation’s alternative lending space. There’s no doubt about it: Alternative lending had a stellar week.

Lending 100

Lending US Capital Report 100

PYMNTS

JULY 1, 2016

Soon after Lending Club revealed its ex-CEO may have artificially inflated the company’s lending volumes, the U.S. Treasury Department released its report on the sector and concluded that the market would likely benefit from greater oversight from regulators. Alternative Lending. Lendingkart.

Lending 101

Lending Analytics Capital Industry 101

CFPB Monitor

APRIL 14, 2016

The announcement included the news that the CFPB has filled the position of Assistant Director for the Office of Small Business Lending Markets. The leadership additions announced by the CFPB were the following: Grady Hedgespeth will serve as the Assistant Director for the Office of Small Business Lending Markets.

Leadership 60

Leadership Lending Marketing Regional 60

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

PYMNTS

SEPTEMBER 24, 2020

Shah emphasized that it's not necessarily valuable to make such predictions, however, because the SMB lending ecosystem is quite regional: FIs in one area servicing many agriculture SMBs may accelerate their small business lending activity, while FIs in another, more metropolitan region may step back.

Community 193

Community Community Bank Regional Lending 193

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. When offering a higher money market or CD rate, the direct damage done to cost of funds is often the least of a bank’s worries.

Community Bank 195

Community Bank Capital Training Lending 195

PYMNTS

AUGUST 16, 2019

Axos Bank parent company Axos Financial has rolled out out commercial banking operations across new markets in the U.S., “The nation’s two largest metropolitan areas are home to a majority of our commercial lending and banking clients,” said Greg Garrabrants, president and CEO of Axos, in a statement.

Los Angeles 101

Los Angeles New York FDIC Lending 101

FirstInternet

FEBRUARY 24, 2021

Here are some critical questions that borrowers should ask of potential lending partners, and details they should know about the process: 1. Are you an expert in my market? This will help you get to the closing table faster than with larger out-of-market lenders. What are the fees associated with Commercial Lending?

Lending 52

Lending Community Training Taxes 52

Independent Banker

APRIL 30, 2022

Brazos National Bank. Douglas National Bank. In order to compete as a small bank, we have been forced to keep higher-than-peer capital levels, so that our lending limit allows us to service local borrowers’ needs. FSNB, National Association. Pioneer Trust Bank, National Association. AMG National Trust Bank.

Community Bank 172

Community Bank Community Montana Taxes 172

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. Finding this intersection is the key to the efficient use of sales and marketing resources. We ranked the Top 20 Deposit-Rich Industries ( HERE ).

Management 195

Management Survey Industry Community Bank 195

South State Correspondent

APRIL 10, 2023

Fair value accounting measures assets and liabilities at current market value instead of historical or amortized value. Nonetheless, with the recent collapse of sizeable regional banks, regulators, investors, analysts, accountants, and bankers are now scrutinizing the fair value of banks’ securities and loan portfolios.

Community Bank 195

Community Bank Community Security Capital 195

PYMNTS

JUNE 18, 2018

Biz2Credit’s latest Small Business Lending Index found that loan approval rates at alternative lenders stagnated – and at credit unions, they actually fell. Thirty-four years have passed since SMB optimism was this high , according to the National Federation of Independent Business (NFIB). But the story doesn’t end there.

Lending 112

Lending Community Bank Regional Community 112

PYMNTS

MARCH 29, 2018

In a press release , TSB said small business banking is controlled by the big banks, which dominate more than 90 percent of the market. TSB said it is entering the market to create more competition for the big banks that have been dominating small business lending for “far too long.” regions. regions.

Lending 109

Lending Regional National Marketing 109

PYMNTS

MARCH 10, 2020

In markets like Southeast Asia, high rates of credit-invisible, underbanked small businesses make filling the small business credit gap an even more difficult challenge. Traditional banks will require credit histories and collateral to underwrite a small business loan, both of which many SMBs in Southeast Asian nations lack.

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Data Lending Capital social media 193

South State Correspondent

FEBRUARY 20, 2022

Unfortunately, current market dynamics are making it hard for community banks to outcompete for these better borrowing relationships. Third, the longer-term fixed rates give banks the ability to transition from transaction lending to relationship banking. Most national and regional banks are already offering such solutions.

Community Bank 195

Community Bank Community Marketing Regional 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

NOVEMBER 8, 2019

Moo will replace Torsten Linke, who was appointed the head of global India and developed markets. Linke’s new role will include both onshore and offshore Indian markets, Japan and the Asia business managed out of Switzerland. He previously held roles including head of Asia Pacific alternative capital markets in Hong Kong. “We

Survey 100

Survey Management Regional US 100

Jeff For Banks

NOVEMBER 24, 2019

The bank, First National Bank of Keystone, was $1.1 Another depressed town due to the general economic malaise that bedraggled the region when the steelmaking industry moved elsewhere. The government guarantee allowed for a secondary market in these loans. And so went the birth of First National Bank of Keystone's meteoric rise.

National 78

National West Virginia Virginia Pennsylvania 78

PYMNTS

FEBRUARY 13, 2020

Another $5 trillion comes from merchant settlement, marketplace payouts and alternative lending. McInerney also pointed to government to consumer (G2C), which is a “more nascent” market, with presence in government benefits and tax refunds. Peer-to-peer (P2P), he said, is about $20 trillion, and encompasses remittances. In the U.S.

Payments 163

Payments Regional America Cards 163

PYMNTS

OCTOBER 4, 2019

As digital identities fast become a part of everyday life, the identity verification market is expected to reach $12.8 Technology providers are exploring a range of solutions to seamlessly verify customers’ identities, with the biometrics market projected to reach more than $59 billion by 2025. billion by 2024. About The Tracker.

Online 144

Online Ohio Knowledge Base Regional 144

CFPB Monitor

APRIL 29, 2015

The CFPB has issued a fair lending report covering its fair lending activities during 2014. The report states that in 2014, CFPB fair lending supervisory and public enforcement actions required institutions to provide approximately $224 million in remediation.

Lending 60

Lending Report Policies Compliance 60

South State Correspondent

MARCH 6, 2023

We pointed out that DSCR and LTV are driven by cash flow (NOI) and that the relationship between cap rates, interest rates, DSCR, and LTV conspires to make real estate lending especially dangerous. Many national and regional banks incorporate a minimum debt yield ratio as an underwriting criterion.

Community Bank 195

Community Bank Community Lending Regional 195

PYMNTS

JANUARY 8, 2019

In addition, Pakistan’s Telenor Microfinance Bank unveiled a cross-border remittance service based on Alipay’s blockchain technology, Indonesia’s KinerjaPay notched an investment of $200 million from a construction firm in the region and mobile payments are on the rise in China.

Regional 128

Regional blockchain Mobile United States 128

PYMNTS

DECEMBER 9, 2020

Clearly there's regional saturation, which leads to consolidation.”. These are $100 billion market cap companies that are sitting in the middle of the payments supply chain.”. That suddenly opened up the market for FinTechs to offer targeted slivers of traditional banks’ financial services, like loan underwriting or debit accounts.

Innovation 306

Innovation Fintech Payments Regulation 306

American Banker

OCTOBER 18, 2016

Regions Financial in Birmingham, Ala., reported a higher third-quarter profit, citing improved fee income from mortgage lending, capital markets and credit and debit cards. It also benefited from some special items and energy-market improvements.

Regional 28

Regional Lending Capital Cards 28