South State Correspondent

MAY 15, 2024

We believe that while lending diversification leads banks to lend more in normal times (especially for banks over $50B in assets) and does benefit the general economy, community banks should be careful in how and where they choose to diversify. It is hard to achieve geographical diversification within a bank’s footprint.

Community Bank 195

Community Bank Community Lending Study 195

Abrigo

OCTOBER 9, 2014

This article is the second in a two-part series on top concerns and growth strategies of community banks. Everyone in the banking industry seems to be asking the same question these days: How can we facilitate growth? Source: 2014 Growth Strategy Survey. Source: 2014 Growth Strategy Survey.

Community Bank 236

Community Bank Strategy Community Survey 236

Abrigo

SEPTEMBER 22, 2015

By eliminating or revising some of the items that banks must include in their call reports the FFIEC hopes to streamline the reporting and decrease the amount of time spent on them. Laura Stewart, CEO of Sound Community Bank in Washington said of preparing the call report: "It almost feels like a full-time job."

Community Bank 150

Community Bank Community FDIC Survey 150

Abrigo

OCTOBER 8, 2014

This article is the first in a two-part series on top concerns and growth strategies of community banks. These are all phrases that resonate with community bankers. Data from Bank Director’s 2014 Growth Strategy Survey in August confirms that these are bankers’ greatest concerns. banks of all sizes.

Community Bank 191

Community Bank Community Strategy Risk Management 191

Abrigo

FEBRUARY 2, 2015

For most consumers who have a checking account, savings account and maybe a mortgage, the regulations placed on their community bank isn’t given a second thought. Two recent surveys addressing the community banking landscape have pointed to increasing regulations as the primary cause of stress for these institutions.

Community Bank 150

Community Bank Community Regulation Survey 150

Abrigo

DECEMBER 11, 2014

10, 2014 effective date. While the final guidance clearly applies to larger financial institutions, community banks should still take note. While the new guidance primarily applies to larger financial institutions, all banks and credit unions can benefit from reviewing the guidelines and using the above recommendations.

Community Bank 207

Community Bank Community Guidelines Risk Management 207

Abrigo

OCTOBER 1, 2014

Today’s youth and others across all age groups are placing a significant importance on consuming local food, developing local relationships and improving local communities. This is great news for community banks. A recent American Banker article discussed why the local food movement is good for community banking.

Community Bank 170

Community Bank Community Capital Lending 170

South State Correspondent

FEBRUARY 9, 2015

In order to give you the most current perspective on our banking industry, we have compiled the latest data and have attached a complete presentation at the bottom of this blog post. In short, we should have issued this last week on Groundhog day, as fourth quarter performance was largely similar to third quarter’s performance.

Industry 150

Industry Community Bank Community Data 150

South State Correspondent

NOVEMBER 2, 2015

Last week we saw the release of the details of the Basel Committee on Banking Supervision (BCBS) rule on Fundamental Review of the Trading Book (FRTB). Started in 2012, put forth in concept in 2014 and now proposed in detail last week, the rule, should it stand, makes it largely uneconomical to securitize all sorts of lending assets.

Lending 150

Lending Community Bank Community 150

Banking 2020

SEPTEMBER 16, 2014

Sageworks recently ranked more than 6,600 banks in the United States to find the 15 best-run community banks. banks and credit unions. banks and credit unions. Notably, small community banks took a large portion of the list with two-thirds of banks listed having less than $500 million in assets.

Community Bank 78

Community Bank Community United States Texas 78

Abrigo

AUGUST 13, 2024

The average time spent listening to podcasts has surged 450% since 2014, and listeners span all ages. Bank Slate Convos 6. Main Street Banking: A Podcast for Community Bankers 8. Banking on Digital Growth 9. The Community Bank Podcast 10. Podcasts’ popularity is understandable. With Flying Colors 7.

Fraud 221

Fraud Community Community Bank Lending 221

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. The Consumer Financial Protection Bureau (CFPB) in 2020 ordered TD Bank, N.A. Community banks target growth. Community banks have seen less volatility in noninterest income over time.

Community Bank 195

Community Bank Community FDIC Trends 195

Abrigo

NOVEMBER 21, 2014

banks is up $157 billion from the same period in 2013. However, Q3 commercial lending is down from the beginning of 2014 (quarter ending 3/31/2014) by about $67 billion. A recent data report culled from Sageworks Bank Information , a web-based data platform that includes financial and regulatory information on every U.S.

Lending 186

Lending South Carolina Miami Community Bank 186

Abrigo

FEBRUARY 17, 2015

commercial bank loan portfolios have continued to expand. As of the third quarter of 2014, the total value of portfolios was $7.4 Which areas of lending and what banks are driving the expansion? A recent issue of Banking Insights , published by the Federal Reserve Bank of St. Following the recent recession, U.S.

St. Louis 150

St. Louis Lending Community Bank Regional 150

Finer Points

DECEMBER 19, 2014

18, 2014 In his impactful book Don’t Think of an Elephant, cognitive scientist George Lakoff illustrates how framing a discussion from the beginning is key to winning the argument. Community Banks Too Big to Fail Washington' It is reprinted below with American Banker’s permission. By Cornelius Hurley Dec.

Washington 140

Washington Community Bank Community 140

South State Correspondent

MARCH 4, 2015

Last Friday, JP Morgan Chase (Chase) released the details of their 2014 financial performance and like an E.L. While Chase does have its weaknesses, it is dominant in several key areas that will end up threatening the core business model of community banking. James novel; it made us a little uncomfortable.

Community Bank 150

Community Bank Community Strategy US 150

Jeff For Banks

DECEMBER 18, 2014

through its subsidiary BNC National Bank, offers community banking and wealth management services in Arizona, Minnesota, and North Dakota from 14 locations. It also conducts mortgage banking from 12 offices in Illinois, Kansas, Nebraska, Missouri, Minnesota, Arizona, and North Dakota. Well done! #3. BNCCORP, Inc.

North Dakota 87

North Dakota Arizona Minnesota Los Angeles 87

ABA Community Banking

DECEMBER 9, 2014

SNL Report: State is #3 in M&A deal volume Management Financial Trends Lines of Business CSuite Community Banking. 1Management'

Minnesota 40

Minnesota Community Bank Community Trends 40

BankInovation

JULY 21, 2020

Radius Bank reaches a national customer base through its digital channels and powers banking services for fintechs like Brex and NorthOne. It’s a business plan the former community bank, which was founded in 1987, spent years developing and continues to improve today. “As

Community Bank 59

Community Bank Community National Fintech 59

Payments Source

MAY 18, 2020

The order's removal allows the Delaware company to pursue more opportunities in its payments business.

Delaware 65

Delaware Compliance Payments Company 65

PYMNTS

NOVEMBER 13, 2020

13) civilly charged former Wells Fargo CEO John Stumpf and Carrie Tolstedt, ex-head of Wells Fargo’s Community Bank, with allegedly misleading investors in connection with the bank’s unauthorized accounts scandal. Securities and Exchange Commission ( SEC ) on Friday (Nov. Stumpf agreed to settle the charges by paying a $2.5

Fraud 230

Fraud California Community Bank Security 230

Abrigo

JANUARY 15, 2015

With mortgage rates down in the US , many homebuyers are looking locally to their community banks to finance their new, potentially life-changing purchase. In the spirit of the go local movement, new data from Sageworks Bank Information peeked in on 10 cities to see which community banks were making an impact on local mortgage lending.

Cleveland 150

Cleveland Detroit Michigan Community Bank 150

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. By Stephanie Vozza.

Community Bank 91

Community Bank Community Software New York City 91

Abrigo

NOVEMBER 21, 2014

Several statements, including statements from the chairman of the FASB, alluded to a release date of Q3 or Q4 in 2014; however, in a September Board Meeting, the FASB decided to defer release of the new guidance to the first half of 2015. How should community banks prepare for the transition? • Tracking loans by vintage.

Community Bank 223

Community Bank Analysis Community Video 223

ABA Community Banking

NOVEMBER 14, 2014

Banner puts deal on deal with AmericanWest Management Financial Trends CSuite Community Banking. 1Management'

Community Bank 40

Community Bank Community Trends Management 40

Abrigo

NOVEMBER 10, 2014

According to CB Insight , community bankers felt Q3 was a light one in terms of regulatory compliance. However, the Q3 2014 Banking Compliance Index (BCI), shows otherwise. As a result, banks are having to spend more time and resources on complying with regulations instead of profitable activities such as booking new loans.

Risk Management 170

Risk Management Community Bank Compliance Community 170

Bank Innovation

APRIL 7, 2017

The company, acquired by Bankrate in 2014, rolled out its FI-facing app […]. But while major FIs have the resources and tools in place for helping customers manage and monitor credit, smaller players often lack that crucial infrastructure. In comes Wallaby Financial.

Resources 207

Resources Tools Management Company 207

Celent Banking

DECEMBER 2, 2014

Celent recently released two reports looking at the state of banks and credit unions: And Then There Were None: The Disappearance of Community Banks and Catch CU: The Ongoing Evolution of the Credit Union Market. For banks, the point at which institutions see rapid decline is around $300 million in assets and below.

Industry 169

Industry ATM Community Bank Analysis 169

PYMNTS

SEPTEMBER 12, 2018

Regional and community banks also saw their small business loan approval rates increase, with small banks approving 49.8 According to Biz2Credit, this is the highest approval rate for small banks since November 2014. percent of applications, up one-tenth of a percent from July. percent.

Lending 102

Lending Community Bank Taxes Community 102

American Banker

NOVEMBER 14, 2016

has plucked its new chief financial officer from a much larger bank: Kevin Thompson, who joins Midland from Zions Bancorp., where he had been senior vice president of corporate finance since 2014. Midland States Bancorp in Effingham, Ill.,

Community Bank 28

Community Bank Community 28

Independent Banker

NOVEMBER 24, 2014

ICBA inaugurated its Community Banker of the Year award program this year to recognize the exceptional work of the individual employees of ICBA member community banks. The association accepted nominations online throughout the month of September, allowing anyone to recommend a community banker for consideration.

Community 116

Community Oakland Wyoming Regional 116

Abrigo

MARCH 17, 2015

According to the latest FDIC Quarterly Banking Profile, community banks continue to thrive and lead the industry. As more banks turn profitable – 90.3 Unfortunately, competing on price alone is not likely to get you far in today’s environment.

How To 150

How To Community Bank Community FDIC 150

Abrigo

OCTOBER 7, 2014

In a recent survey conducted in partnership by the Federal Reserve and the Conference of State Bank Supervisors ( CSBS ), over 1,000 community bankers weighed in on a range of hot button issues facing their organizations in 2014. One example is the impending transition to an expected loss model as proposed by FASB.

Trends 230

Trends Capital Community Industry 230

American Banker

MAY 18, 2020

The order's removal allows the Delaware company to pursue more opportunities in its payments business.

Delaware 35

Delaware Compliance Payments Company 35

Independent Banker

OCTOBER 1, 2021

A cluster of community activists and business leaders pooled their resources to form Ponce de León Federal Savings and Loan Association, which opened its first branch on March 31, 1960. They named the community bank after the Spanish explorer and governor of Puerto Rico, Juan Ponce de León, to honor its founders’ roots. “If

Puerto Rico 113

Puerto Rico New York City Community New York 113

Independent Banker

MAY 2, 2016

We ignite prosperity in all the communities we serve through community reinvestment, lending to local businesses, and providing educational opportunities for the community and our employees. We are more than a community bank; we are a community prosperity engine.

North Dakota 70

North Dakota Community Bank Community Risk Management 70

ABA Community Banking

DECEMBER 2, 2015

Community banking institutions spending average of $100,000 over 2014 to comply Management Duties Compliance Compliance Management.

Community Bank 40

Community Bank Compliance Community Management 40