Independent Banker

JULY 2, 2022

Sicard’s family has a long history in Fort Smith and at the bank, having held leadership positions since 1907. In 2019, the community bank was a partial sponsor of the $2.25 In return, the facility was renamed First National Bank Field, according to Jerry Glidewell, Fort Smith Boys & Girls Club executive director.

Arkansas 91

Arkansas Community Community Bank National 91

Independent Banker

JANUARY 26, 2017

Despite the law’s exemption for financial institutions with $10 billion or less in assets, community bankers repeatedly told Congress that we were never going to be spared the effects of this market intrusion. Further, large retailers can now steer customers to use the rate-controlled cards issued by the largest financial institutions.

Community Bank 70

Community Bank Community Retail Texas 70

PYMNTS

JUNE 18, 2018

Meanwhile, SMB lending at small banks also increased, with these institutions approving more than 49 percent of SMB loan applications. Both represent post-recession highs for traditional bank lending to small businesses, the report found, noting that big bank approval rates in 2011 were just 8.9 percent a month prior.

Lending 112

Lending Community Bank Regional Community 112

Independent Banker

JULY 28, 2016

Senate Banking Committee. She explained why lawmakers should exempt community banks from Basel III capital rule. Community bankers score big changes in final credit-loss standard. Speaking Out—ICBA Chairman Rebeca Romero Rainey (far left) testified in June before the U.S. By James Kendrick. Concessions stand.

Community Bank 70

Community Bank Community Connecticut Regulation 70

Jeff For Banks

AUGUST 14, 2022

The FDIC's quarterly Supervisory Insights for Summer 2011 had a list! Imagine the community bank that is experienced in lending to fuel oil businesses in or near its markets because it's comfortable using trucks, tanks, and oil inventory as collateral. What were disfavored industries?

Operations 78

Operations Lending FDIC Industry 78

Abrigo

AUGUST 3, 2017

For perspective, a mere 4 banks have opened since 2011, and two of those were in 2017 alone: both International Bank of Commerce of Oklahoma City, OK, and Blue Gate Bank of Costa Mesa, CA, opened in January 2017.

Oklahoma City 150

Oklahoma City FDIC Handbook Oklahoma 150

Independent Banker

OCTOBER 29, 2014

First Lieutenant Jeff Sabatke (back row, third from left) and the 3rd Platoon “Punishers” with A Company 20135 at Camp Adder in Iraq in 2011. Army Infantry Platoon leader who became a community banking manager. It’s no different in community banking. By Jeff Sabatke. It was 1 a.m.

Minnesota 98

Minnesota Community Community Bank Maine 98

Abrigo

OCTOBER 2, 2014

According to the BCBS’s Basel III framework document published in December 2010 and revised in June 2011, the main objective is to improve banks’ “ability to absorb shocks arising from financial and economic stress.” Blog Bank Credit Union' Click here to register for Preparing for Basel III.

How To 236

How To Capital Community Bank Maine 236

Independent Banker

MARCH 15, 2015

The ICBA and community bank campaign to improve those rules has included a comprehensive study on their impact that was released before the CFPB announcement of its proposed changes, which are expected to be formally adopted. Of course, this community bank victory is not the result of just one survey.

Washington 70

Washington Community Bank Community Survey 70

Independent Banker

FEBRUARY 24, 2015

The ICBA and community bank campaign to improve those rules has included a comprehensive study on their impact that was released before the CFPB announcement of its proposed changes, which are expected to be formally adopted. Of course, this community bank victory is not the result of just one survey.

Washington 70

Washington Community Bank Community Survey 70

Abrigo

AUGUST 11, 2016

Expanding With their ability to offer 100 percent cash deals, credit unions have an advantage in acquiring other credit unions and even small banks, a strategy that is bolstering membership rolls. Bank acquisitions by credit unions did not exist until 2011, when St.

Michigan 150

Michigan Milwaukee Indiana Wisconsin 150

Independent Banker

JULY 30, 2015

The Independent Bankers Association of New York State has been actively advocating for several initiatives to enhance community banking and the communities and customers our members serve. These increased burdens and costs have had an impact on the number of community banks. By John Witkowski.

Community Bank 70

Community Bank New York Community Taxes 70

Abrigo

OCTOBER 30, 2015

With the recession fading into the more distant past, banks – in particular, community banks – have seen several years of loan growth. Banks, according to Comptroller of the Currency Thomas Curry, are starting to reach for additional growth by lending to less creditworthy borrowers, a move that increases risk to the institution.

Lending 150

Lending Trends Risk Management Community Bank 150

Independent Banker

SEPTEMBER 22, 2015

Community banks are vital providers of small-business credit because of their extensive local market knowledge and deep customer relationships. In Illinois, a loan participation plan by a community bank “insourced” jobs to the local area from overseas. Community banks are the most active participants in the SSBCI program.

Oregon 70

Oregon Illinois Community Bank Lending 70

Independent Banker

OCTOBER 29, 2014

And the great news, according to “American Millennials and Banking,” a major new study commissioned by ICBA, is that Bauhs and the 80 million other people in his generational cohort are prime potential customers for community banks. This is really the moment for community banks to show that they’re a fit for millennials.

Millennials 110

Millennials Community Bank social media Community 110

Jeff For Banks

JULY 5, 2022

There is a fintech firm, SoFi, that was born in 2011, that focuses on millennials financial needs. It started refi'ing student loans, something very few banks do. Two percent is a big matzah ball out there to overcome and compete with Ally Bank. I'm bullish on community banking. Now, they're in their 30's and 40's.

Millennials 78

Millennials Community Pennsylvania Community Bank 78

Jeff For Banks

JANUARY 20, 2017

In 2011, on these pages, I wrote my most read blog post ever, titled: Does your bank achieve positive operating leverage? For some time, banks between $1B and $10B in total assets tend to wring out the best expense ratios (operating expense/average assets) and efficiency ratios. Particularly from larger financial institutions.

Los Angeles 60

Los Angeles Operations Community Community Bank 60

Javelin Strategy & Research

JANUARY 17, 2013

With a client base of 3,300 community banks, credit unions, and thrift institutions, OSI will help Fiserv continue to strengthen its foothold in this market.

Community Bank 40

Community Bank Community Marketing 40

Independent Banker

NOVEMBER 13, 2014

And the great news, according to “American Millennials and Banking,” a major new study commissioned by ICBA, is that Bauhs and the 80 million other people in his generational cohort are prime potential customers for community banks. This is really the moment for community banks to show that they’re a fit for millennials.

Millennials 87

Millennials Community Bank social media Community 87

Jeff For Banks

MARCH 27, 2015

In 2011, banks paid higher interest on their interest bearing deposits than credit unions throughout the measurement period. When I re-ran the analysis, what was true back in 2011 still holds true (see chart). I searched on banks and credit unions between $500 million and $5 billion in total assets.

Analysis 60

Analysis Strategy Groups Community 60

Independent Banker

NOVEMBER 25, 2015

Even with technology’s increasing influence on retail banking, it’s not typical for a community bank to have one of its most senior and trusted executives concentrate primarily on leading consumer product and payments innovation. billion-asset, 85-branch community bank based in Rockland, Mass., is not typical.

Innovation 70

Innovation Community Bank social media Community 70

Jeff For Banks

DECEMBER 13, 2018

is the parent company of Willamette Valley Bank, a community bank headquartered in Salem, Oregon. The Bank operates five full service offices. In 2011, they achieved an 0.85% ROA and a 10% ROE. They have been a regular on the American Banker Magazine's top 200 ROE bank for five years running.

Oregon 101

Oregon Ohio California Community Bank 101

Jeff For Banks

APRIL 27, 2019

in 2018, but about equal to the average growth since 2011. Our current economic recovery is fast approaching a longevity record; growth through July, 2019 would set the new record at 121 months, surpassing the 1991 to 2011 recovery. Dorothy has been with Penn Community Bank and its predecessor since November, 2004.

Marketing 60

Marketing Community Taxes Community Bank 60

Jeff For Banks

MARCH 3, 2018

Six years ago I asked in a blog post Will Plain Vanilla Kill Community Banking ? When I wrote that post in January 2011 there were 7,700 FDIC insured financial institutions. Did I get caught up in the change-or-die crowd? Was I, gulp, a futurist? Today there are less than 5,700. A 26% decline. Was I a futurist?

Apple 67

Apple Millennials Massachusetts FDIC 67

Fintech Labs Insights

DECEMBER 30, 2016

I may have missed some decorations that had already been stored in the banks’ virtual attics. Previous year-end holiday posts: 2015 , 2014 , 2013 , 2012 , 2011 (big banks), 2011 (CUs/community banks), 2009 part 1 , 2009 part 2 , 2007 , 2006 , 2006 , 2004. ———-. 2016 Holiday Messages.

Texas 20

Texas Comparison Community Bank Analysis 20

American Banker

JULY 26, 2016

In the years after the financial crisis, as banks were collapsing left and right, the Federal Deposit Insurance Corp. Today, loss-share portfolios are shrinking, decreasing by 80% from early 2011, to $18.8 billion at March 31, as many banks negotiate early terminations of their FDIC agreements.

FDIC 28

FDIC Community Bank Community Strategy 28

Jeff For Banks

DECEMBER 19, 2015

Between 2008-11, the bank lost over $200 million, and its equity base was cut in half. At the height of its problems in 2011 over 9% of its assets were bad loans. And yes, another Michigan bank. By 2011, total assets were cut in half, total equity was $14.7 But management went to work. Then the financial crisis hit.

North Dakota 60

North Dakota Arizona Michigan Florida 60

Jeff For Banks

FEBRUARY 1, 2019

The Outlook All indications are that GDP growth is slowing, reverting back to its “new normal” range than has been in place since 2011 of 2.0% DJ 01/11/19 Dorothy Jaworski has worked at large and small banks for over 30 years; much of that time has been spent in investment portfolio management, risk management, and financial analysis.

Marketing 60

Marketing Community Bank Community Risk Management 60

Jeff For Banks

DECEMBER 26, 2012

For comparison purposes, here are last year''s top five, as measured during September, 2011: #1 BofI Holdings, Inc. #2 2 Signature Bank #3 ESB Financial Corporation #4 Bank of the Ozarks, Inc. #5 and Bank of the Ozarks, Inc. Hingham''s ROA from 2007-2011 was 0.63%, 0.81%, 0.93%, 1.05%, and 1.14% respectively.

Texas 82

Texas National FDIC Capital 82

Jeff For Banks

AUGUST 12, 2018

Philly has a chance to go wild again this year if the Phillies keep playing well; they are in first place for the first time since the end of 2011. DJ 08/09/18 Dorothy Jaworski has worked at large and small banks for over 30 years; much of that time has been spent in investment portfolio management, risk management, and financial analysis.

Marketing 60

Marketing Philadelphia Omaha US 60

Jeff For Banks

AUGUST 1, 2019

Inventories should not contribute as much to growth as they did in the first quarter, so a ratcheting down to the level that we have experienced since 2011 of +2.2% Dorothy has been with Penn Community Bank and its predecessor since November, 2004. is a conservative projection.

Marketing 60

Marketing US Community Bank Community 60

Fintech Labs Insights

DECEMBER 31, 2014

And surprisingly, fewer banks than anytime since 2004 were running holiday messages in the days before Christmas. This year, only four of the 20 largest banks referenced the holidays on their homepages. That compares to nine banks last year , eight in 2012 , and 10 in 2011. I''m at a loss to explain the retreat.

Maine 23

Maine Cards Florida Capital 23

Gonzobanker

DECEMBER 19, 2017

THE BANKING AWARDS. Rainbolt has quietly built a community bank in the past 20 years that is closing in on $2 billion of market cap. GonzoBanker of the Year – Large Banks. Credit Union Merger of the Year – Goes to Lake Michigan Credit Union and its CEO Sandy Jelinski for acquiring Florida-based community bank Encore.

Conference 117

Conference Industry Community Bank Community 117

Fintech Labs Insights

DECEMBER 10, 2015

It counts 7,000 financial institutions as members, which represent 85% of community banks and 33% of credit unions across the U.S. CBANC demoed its professional network at FinovateFall 2011 in New York. The company plans to use the funds to increase membership, add features and expand its base of 22 employees.

Austin 12

Austin Texas New York Community Bank 12

Fintech Labs Insights

DECEMBER 2, 2015

For its part, Social Money sees the acquisition as an opportunity to continue helping community banks and credit unions, in the words of Social Money CTO Adam Anderson, “establish direct-to-digital capabilities in the future.” The company’s solutions are used in more than 275 community banks and credit unions.

Iowa 12

Iowa Austin Millennials Community Bank 12

Gonzobanker

AUGUST 22, 2014

The vast majority of exits came from banks with less than $100 million in assets, and more than 10,000 of these institutions left the financial services landscape between 1984 and 2011 due to mergers and failures. At the same time, the pace of new bank charters has dwindled to near non-existence.

Strategy 87

Strategy United States Community New York City 87

Fintech Labs Insights

MARCH 15, 2016

CBANC , a network for community bank and credit union professionals, added a group of new features to its platform this week. CBANC’s President Myers Dupuy demonstrated the network at FinovateFall 2011 in New York. New elements include: Leaderboard.

UX 12

UX social media Austin New York 12