South State Correspondent

APRIL 10, 2023

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). The risk here is that community banks continue to take on an above-average amount of CRE credit exposure. This article explores the risk and what to do about it.

Community Bank 195

Community Bank Community Los Angeles Regional 195

Jeff For Banks

DECEMBER 22, 2013

Especially if I believe community banks must increasingly be known for some niche to differentiate. Fidelity Southern Corporation (Nasdaq: LION) One of the largest bank holding companies in the Atlanta area, you would first think that Fidelity Southern is the first plain vanilla community bank in the Top 5. But you would be wrong.

Community Bank 84

Community Bank Atlanta Community Strategy 84

Abrigo

MAY 5, 2022

Thankfully for bank and credit union executives, lenders, risk managers, and Bank Secrecy Act (BSA) Officers, banking podcasts and podcasts for credit unions are plentiful, and options are growing. Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S.

Community 195

Community Lending Maine Resources 195

Gonzobanker

OCTOBER 15, 2014

My heart goes out to the hard working professionals who run the Treasury Services or “Cash Management” divisions at community banks. Yet for more than a decade, cash management professionals have shown their resiliency. But lately, there are deeper lines and fatigued expressions on the faces of cash management professionals.

Management 101

Management Community Bank Community Resources 101

Abrigo

NOVEMBER 21, 2014

banks is up $157 billion from the same period in 2013. bank and credit union, named the “ Top 15 community banks by commercial loan growth.” The list identified a significant uptick in commercial and industrial lending in the South, as 7 of the 15 community banks included are located in the region.

Lending 186

Lending South Carolina Miami Community Bank 186

Jeff For Banks

JUNE 12, 2023

In the past, I have advocated for "stakeholder primacy"; if you mattered to your employees, customers, shareholders and communities you would surely have an enduring future. They feel good banking with you because you serve some higher purpose in your community. Yes, without your bank, there would be a hole in your community.

Community 78

Community Customer Experience Resources Strategy 78

Independent Banker

OCTOBER 31, 2021

The CARES Act extended the CECL implementation deadline for many larger community banks until the end of the COVID-19 pandemic. Community bankers tell us that while the extension is welcome, they’re already down the road to implementation. ICBA tells FASB CECL isn’t feasible for community banks. October 2013. April 2011.

Community Bank 91

Community Bank Community Software New York City 91

Abrigo

FEBRUARY 16, 2016

According to the Urban Institute’s “ Nonprofit Sector in Brief 2015 ,” the number of nonprofits registered with the Internal Revenue Service increased by about 3,000 a year between 2003 and 2013. economy in 2013, or roughly 5 percent of GDP. Failing to hold the nonprofit to proper financial management and reporting standards.

Analysis 150

Analysis Lending Community Bank Community 150

PYMNTS

AUGUST 9, 2019

Rowe Price and Fidelity Management & Research also signed on, joining other institutional and private investors. The news comes on the heels of the company’s recent acquisition of Travel Management Company (TMC) in May 2019. Wheels Up now has a valuation north of $1.1

New York 139

New York Capital Operations Community 139

PYMNTS

JULY 1, 2016

banks HSBC, Barclays, Royal Bank of Scotland and Lloyds Banking Group have dramatically reduced their SME lending volumes since 2013 in the areas in which branch closures occurred. The spread of U.K. Analysts Thursday (June 30) said top U.K. The conclusion was reached by researchers at the Move Your Money campaign group.

Data 101

Data Lending Community Analysis 101

South State Correspondent

OCTOBER 25, 2023

However, volume has steadily declined as Venmo gained more traction by 2013, combined with real-time payments, Apple Pay, Google Wallet, and Zelle after 2017. Households and merchants must receive, verify, manage, transport, secure check stock, and deposit checks. Why do businesses still put up with this cost?

Fraud 195

Fraud ATM Payments Management 195

BankInovation

JULY 21, 2020

It’s a business plan the former community bank, which was founded in 1987, spent years developing and continues to improve today. “As As far back as 2013-2014, in that time frame, we did a couple […].

Community Bank 59

Community Bank Community National Fintech 59

PYMNTS

JUNE 15, 2016

Kane will report to Gordon Smith, CEO of consumer and community banking. He is replacing Mike Passilla, who was chosen as the company’s chief executive in May 2013 to oversee development of Chase Paymentech and other merchant-focused offerings.

Leadership 100

Leadership Community Bank Community Branding 100

PYMNTS

OCTOBER 23, 2018

The misconduct at Wells Fargo was widespread across the bank and at every level of management – impacting both customers and investors who were misled,” Attorney General Barbara D. In fact, during Congressional testimony, Wells Fargo’s former CEO admitted that he became aware of widespread fraud by the company’s employees in 2013.

New York 139

New York Fraud Community Bank Strategy 139

PYMNTS

SEPTEMBER 11, 2020

As reported by CNBC , the latest forays into “virtual” crowds extend a partnership that the NFL has had in place with Microsoft since 2013, where Microsoft Surface hardware is deployed to help run operations. This time around, Fan Mosaic, as enabled by Microsoft Team Meetings, broadcasts fans onto those LED screens.

social media 168

social media Course Video Community 168

Abrigo

DECEMBER 9, 2014

Community banks are expanding their loan portfolios to include more small business loans, according to the most recent Community Bank Performance report by the FDIC. percent over the 3rd quarter of 2013. Loans across categories increased, with commercial and industrial loans growing at the fastest rate, roughly 5.3

Training 170

Training Policies Analysis Community Bank 170

South State Correspondent

MAY 1, 2024

With financial hardship, competition from dominant players, and a startup budget, Gentle Monster faced many of the same challenges as a community bank. How Banks Can Leverage: Niche markets abound in banking, and community banks are in the perfect position to create a following on a national level should they desire.

Innovation 195

Innovation social media Branding Marketing 195

Abrigo

APRIL 1, 2015

While the larger banks are receiving the bulk of attention, boards at smaller, community banks are realizing that they’re not immune to this heightened attention. Lynn McKenzie and Edmund Green of KMPG recently contributed an article to Bank Director on how boards can challenge their banks’ management on risk. Audit committee?

Risk Management 150

Risk Management Community Bank Regulation Boston 150

PYMNTS

SEPTEMBER 23, 2020

The longer we wait, the more devastating the impact on Orange County and the Anaheim communities and the tens of thousands of people who rely on us for employment,” D’Amaro said. Disney officials in California also say they’ve put a virtual queue system in places to further encourage mobile management of the theme park experience.

Florida 193

Florida California Los Angeles Guidelines 193

CFPB Monitor

FEBRUARY 17, 2021

Acting Director Uejio also expressed concern about “disparities in some companies’ responses to Black, Brown, and Indigenous communities” found by consumer advocates, but he did not name those consumer advocates or the studies that may have prompted his comments. He stated that “senior leadership of these companies can expect to hear from me.”

Regulation 78

Regulation Study Community Leadership 78

Independent Banker

OCTOBER 14, 2014

According to a statistic released as part of the ICBA 2014 Top 50 Community Bank Leaders in Social Media, nearly 2,500 banks have a Facebook or Twitter presence, and the numbers continue to exponentially grow. It is apparent everywhere you turn that social media is one of the hottest new communications tools in our society.

social media 88

social media Risk Management Compliance Community Bank 88

Independent Banker

MAY 24, 2016

This leaves federal crop insurance support as a key risk-management tool. However, the farm community already is being forced to defend even this scaled-back safety net. It’s a crucial risk-management tool” for 1.7 million farms and the community banks that lend to them each growing season, Scanlan points out.

Community Bank 70

Community Bank Kansas City Community Iowa 70

South State Correspondent

MARCH 23, 2022

Closely aligned with customers service, bank management recognized early on during its maturity that it needed a platform ecosystem to drive engagement. Using its data, Nubank would grant some credit, even if it was $15, and then help the customer manage payments.

Branding 221

Branding social media Strategy Data 221

PYMNTS

SEPTEMBER 22, 2017

The first of these concept stores got off the ground in 2013. In the intervening four years, three new shops have opened in other Recology communities. In addition to the educational efforts in our stores, we do educational outreach at farmer’s markets and other events within our communities.”.

Retail 108

Retail Washington Community Seattle 108

Celent Banking

JUNE 22, 2017

Celent published a report on the topic in 2013 that predicted a steep decline in branch density – something that is now underway. FMSI, acquired by Kronos in 2016, provides cloud-based workforce management (WFM) solutions to small banks and credit unions. The branch boom in the US has been at the hands of large banks.

Study 125

Study Community Bank Trends Analysis 125

PYMNTS

DECEMBER 7, 2018

Donaldson, said the site, had been employed to help manage Rowling’s business and personal matters. The site reports that a former personal assistant of Rowling’s, Amanda Donaldson, has been charged with using a card (allegedly to be used solely for business expenses) to rack up charges totaling thousands of pounds for personal items.

Cards 170

Cards Fraud Dallas Examples 170

PYMNTS

JULY 21, 2017

All in all, they’ve managed to collect information on people involved in the 50,000 or so transactions that took place. The online community of dark web enthusiasts were shaken by the news that the two markets had been taken down back to back. You got this one law enforcement.”

Marketing 100

Marketing National New York Conference 100

Jeff For Banks

MARCH 29, 2014

It is annual report season, meaning publicly traded financial institutions are finalizing their 2013 numbers and submitting their 10k''s to the Securities and Exchange Commission (SEC). The Bank also offers wealth management and trust services. In preparation for meetings, I frequently read 10k''s. Department of Agriculture.

Strategy 100

Strategy Texas San Antonio Fort Worth 100

Abrigo

OCTOBER 2, 2014

• Strengthened Risk Capture – Includes more centralized and accurate data management, and more in-depth stress testing and forecasting. minimum common equity capital ratio, took effect on January 1, 2013. Some requirements, like a 4.5% minimum tier 1 capital ratio and a 3.5% But other components will take effect later.

How To 236

How To Capital Community Bank Maine 236

Independent Banker

NOVEMBER 24, 2015

With wire fraud on the rise, community banks have to step up precautions to protect themselves and their customers. What’s more, 20 percent of the companies that suffered financial losses from payment fraud said their biggest losses stemmed from wire transfer fraud, up from 9 percent in 2013. billion-asset community bank.

Community Bank 70

Community Bank Fraud Atlanta Community 70

Jeff For Banks

MAY 9, 2019

And easier is what me and my colleagues hunt for when we do process improvement projects at community financial institutions. The ability to deliver community banking services in the manner desired by your customers. In 2013, when the median branch deposit size in our profitability outsourcing service peer group was $47.9

Survey 60

Survey Community Community Bank Resources 60

Independent Banker

JULY 30, 2015

His role is to research, develop and provide members with superior products and services that meet the ever-changing needs of community banks and to help them to increase their competitive advantage. Having the best products and services will help community banks continue to effectively serve and compete in their communities.

Resources 70

Resources Tools Community Bank Community 70

Jeff For Banks

APRIL 14, 2022

Guardians of Prosperity: Why America Needs Big Banks 2013 John F. 2013 Joshua R. The World in Depression, 1929–1939 2013 Charles P. Manias, Panics, and Crashes: A History of Financial Crises 2005 John Jay Knox Knox, John Jay A History of Banking in the United States 2017 Timothy Koch Koch, Timothy Bank Management (8th ed.)

America 78

America National Denver United States 78

PYMNTS

AUGUST 26, 2016

Nate Stewart, Group Product Manager for BigCommerce , an eCommerce platform with deep roots in Austin, provided a glimpse into what really helps Austin stand apart and why startups can’t help but flock to the city. Austin’s startup community has seen a big transformation over the years. to start a small business.

Austin 100

Austin Fintech New York City Community 100

Independent Banker

MARCH 15, 2015

Increasingly, more digitally connected consumers are saying yes to that question with their community bank. For many community banks, telephone calls still generate the highest volumes of customer service interactions. Several retail service experts say it will apply to your community bank, if it doesn’t already.

Community Bank 70

Community Bank Community Operations Retail 70

PYMNTS

SEPTEMBER 12, 2018

A lifestyle brand for millennial buyers with an eye for design – but perhaps not the pocketbook for designer prices – the watch and accessories startup MVMT started on its path in 2013. There is a global community of about 1.5 million MVMT owners, and “community” is not an exaggeration.

social media 101

social media Branding Millennials Groups 101

Independent Banker

OCTOBER 29, 2014

an advanced data management company in Akron, Ohio, that periodically studies how companies’ emails are read. Patti Renner, Knotice’s director of marketing, points out that this news should concern any community bank that is not sending out mobile optimized emails, or emails that “render well on a mobile device.”

San Diego 88

San Diego Ohio Community Bank Mobile 88