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The Death of the Community Bank

Jeff For Banks

In June of 2008 I gave a speech titled "The Death of the Community Bank" and in that speech I made predictions. Prediction: The General Bank will become extinct. Much like competitors nip at community banks' customers. Eighteen percent of that group opened an account at a digital bank. Result: Mixed.

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Will the cost of regulation impact community bank customers?

Abrigo

The banking industry has seen a steady stream of media attention since 2008, much of it in the form of stories about data breaches linked to major retailers or mega banks’ profits. Risk management issues were also a high-ranking hurdle to growing banks, with 26 percent calling it a concern for 2015.

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Brad M. Bolton: Working through difficult times

Independent Banker

Working through any difficulty or crisis at your community bank won’t be a walk in the park, but it may lead to an experience for which you’re truly grateful. As a community banker, you’re either going through a crisis or you’re preparing for one. And today, CAMELS are a main area of focus for our bank.

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Should You Be Marking Loans To Market?

South State Correspondent

Banks had enough liquidity so it didn’t really matter in terms of day-to-day operations. Without liquidity, finance companies and investment banks had to draw on their lines. By 2008, there were a variety of failures as a result of liquidity – Bear Sterns, Lehman Brothers, and more. Capital got scarce.

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Bankers: Hunker or Pounce?

Jeff For Banks

It's what we did in 2008-10. I delivered this talk on a recent bank trade association webinar. Unlike 2008, banks were not the bane of our problems. In 2008, we were in the eye of the storm. Sure, community banks had little to do with liar loans or what was otherwise termed sub-prime. Capital aplenty.

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Jim Reber: March sanity

Independent Banker

What this has to do with community bank investment management may not be readily apparent. The S&P 500 Index dropped 12.4%, which was the worst monthly stock performance since 2008. Belly of the curve matters to community banks. More often, the two operate independently. Education on Tap.

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Community banks are thriving in Texas

Independent Banker

Ken Finley, president of Johnson City Bank, in downtown Johnson City with Shannon Sultemeier, executive vice president (left); and Brenda Haynes, vice president/cashier (right). Here’s how four community banks are thriving in this environment. These include family-owned businesses, community businesses and operating companies.

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