Jeff For Banks

APRIL 30, 2022

Me: Commercial Real Estate loans are the most profitable product in a community bank's arsenal and have been through various interest rate environments. Bank Senior Lender: Not when you consider the whole relationship. The much sought after "operating account." The pre-tax ROA might not look great. CRE still wins.

Lending 78

Lending Massachusetts Taxes Community Bank 78

Independent Banker

FEBRUARY 25, 2015

Community banks, which will continue to face a growing number of senior customers with everyday cash needs and built-up home equity, should explore this niche lending opportunity, two community bankers providing these specialty loans suggest. The bank closes 35 to 45 reverse mortgages each month. By Howard Schneider.

Trends 70

Trends Community Lending Community Bank 70

Jeff For Banks

APRIL 12, 2018

Mortgage bankers and brokers own a significant share of market (although less than prior to the 2007-08 financial crisis). It’s implied whenever someone says “we’re a community bank”. Even the big banks. pre-tax profit as a percent of the portfolio. Mortgage lending is getting away from us. Profitable moxy, though.

Lending 60

Lending Resources Community Metro 60

Jeff For Banks

JULY 8, 2017

The promises included tax cuts to 15% (although a much less dramatic decrease is expected), repeal and replacement of ObamaCare (stalled in the Senate), regulatory reform (some energy rules relaxed, but not much else), infrastructure spending to repair and replace our crumbling structures, roads, airports, electrical grids, etc.

Marketing 60

Marketing Community Bank Security Data 60

Gonzobanker

DECEMBER 17, 2021

Union has been a stalwart of the California marketplace since the ’50s, and this gives Andy Cecere and team a great expansion into the Golden State and also some nice wholesale banking business. Lots of tech and operations to clean up, it appears, but no solid bank is better qualified than the team from Minneapolis. You tell us.

Fintech 147

Fintech Strategy Leadership Lending 147

Jeff For Banks

DECEMBER 12, 2017

Nasdaq: OSBC) Old Second is a single-bank holding company headquartered in Aurora, Illinois. billion of assets and operates twenty five branches in the western suburbs of Chicago. The Bank, Old Second National Bank, lost a whopping $156 million in 2009 and 2010. Summit also operates an insurance subsidiary.

Minnesota 60

Minnesota West Virginia Virginia Iowa 60

South State Correspondent

JUNE 13, 2022

One morning, President Trump tweeted his desire for an additional tax on all foreign-owned companies operating in the US. Instantly, the cash flow for those businesses that many community banks lent to is impacted. Unfortunately, it takes about 60 days to sell a portfolio of loans, even for the most experienced bank.

Risk Management 195

Risk Management Examples social media Management 195