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. This M&A activity, however, is by no means a recent trend.

Trends 230

Trends Capital Community Industry 230

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. alternative small business finance market in an effort to explore borrower protections.

Lending 102

Lending Community Bank Taxes Community 102

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

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

Long Lasting Ideas

JANUARY 5, 2015

Believe it or not, this is a slice of the market that in some cases has never opened the doors of a bricks-and-mortar branch bank or learned how to write a check. And at a micro level, how do community banks reach a generation overwhelmed with debt that inhibits wealth? My son did the same with no plans to return.

Marketing 40

Marketing Millennials Community Bank social media 40

Independent Banker

NOVEMBER 13, 2014

Once upon a time, community banks were more than happy to leave the chore of choosing technical devices and running networks to their chief technology officers. One increasingly prominent way for community bank chief information officers to help formulate strategy is to collaborate more closely with marketing heads and with others.

Study 70

Study Community Bank Community Survey 70

Jeff For Banks

AUGUST 12, 2018

The second quarter of 2018 saw growth of 4.1% (the highest quarterly growth since 2014) and the third quarter may be close. There are some signs of slowing in the housing markets; both existing and new home sales in June fell amidst rising mortgage rates and fewer gains in home prices. The economy has grown 2.2% and 2019 at 2.4%

Marketing 60

Marketing Philadelphia Omaha US 60

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

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

AUGUST 9, 2016

But offering a rewards program alone will not make a bank unique or successful. Community banks should evaluate solutions that align with their service-oriented traditions and bring value to customers throughout their communities. All successful rewards programs require marketing support. 2014, August 8).

Community 70

Community Millennials Community Bank America 70

Independent Banker

FEBRUARY 24, 2016

Just about every community bank makes commercial real estate loans. A whopping 95 percent of ICBA members are active commercial real estate (CRE) lenders, according to the latest ICBA Community Bank Lending Survey. Seventy to 75 percent of the $871 million community bank’s portfolio involves CRE loans. “We

Community Bank 70

Community Bank Lending Community Regulation 70

Independent Banker

FEBRUARY 24, 2016

You recognize one of today’s most prominent technology dilemmas for community banks: It’s the great mobile divide. It’s where older, profitable customers have been slower to adopt new banking technologies that not-yet-profitable millennials pick up quickly and easily. billion in payments throughout 2014. By Paul Schaus.

Mobile 70

Mobile Millennials Community Bank Community 70

Abrigo

OCTOBER 2, 2014

The three pillars include maintaining minimum capital requirements, a supervisory review process and market discipline. It is also important to note that disclosure starts January 1, 2015, which is also considered the compliance deadline for community banks. Blog Bank Credit Union'

How To 236

How To Capital Community Bank Maine 236

Independent Banker

FEBRUARY 24, 2016

As in past years, community bankers will continue to contend with a dynamic, highly competitive lending environment in 2016. Several trends have arisen that are likely to continue shaping the commercial lending market. This ups the ante for banks courting certain business owners, particularly those managing startup companies.

Trends 79

Trends Community Bank Lending Community 79

Jeff For Banks

JULY 5, 2022

Banks were permitted to branch wherever they wanted. The money market mutual fund became a formidable competitor to the bank account. First Internet Bank in Indiana was founded in 1998. In Pennsylvania, Rocket has number 1 market share. But they must be in ample supply in your markets to support growth.

Millennials 78

Millennials Community Pennsylvania Community Bank 78

Jeff For Banks

NOVEMBER 9, 2018

And yesterday the Wall Street Journal reported that the OCC notified Wells that "the bank also has failed or isn't expected to meet deadlines on around two dozen technology-focused OCC regulatory warnings. that have been issued since 2014 or earlier." I recently addressed a bank client's all officer meeting to discuss industry trends.

New Jersey 60

New Jersey Compliance Community Meeting 60

Independent Banker

JULY 1, 2015

The combination has helped make him the star lender at Farmers & Merchants Bank, a $120 million-asset community bank in Miamisburg, Ohio. million of the bank’s $17.4 million in total new loans in 2014. The bank’s portfolio grew 8.84 percent in 2014 and 16.66 He booked $6.9 percent in 2013.

Ohio 70

Ohio Community Bank Maryland Community 70

Independent Banker

OCTOBER 14, 2014

When Community Bank of Bergen County unveiled its online mortgage hub this summer, the bank put “ease of use” at the top of its goals for the site, says President and CEO Peter Michelotti. “I Sam Vallandingham, president and CEO of The First State Bank in Barboursville, W.Va., Evans between July 2013 and July 2014.

Community Bank 70

Community Bank Lending Community Oklahoma City 70

Independent Banker

OCTOBER 29, 2014

Big-brand megabanks, the Visa and MasterCard networks, and big-box merchants had signed up to become partners with Apple’s universal retail smartphone app that uses Near Field Communication and tokenization technologies. So where do ballyhooed mobile banking and payments developments among the biggest players leave community banks?

Mobile 105

Mobile Community Bank Community Technology 105

Independent Banker

SEPTEMBER 25, 2014

This is particularly true for community banks preparing to undergo their next regulatory safety and soundness or compliance examination. Regulators and industry consultants agree that community banks are generally doing a great job handling their regulatory oversight and requirements. David Baris, regulatory consultant.

Compliance 101

Compliance Regulation Community Bank Community 101

Independent Banker

MARCH 15, 2015

Increasingly, more digitally connected consumers are saying yes to that question with their community bank. Some even assume their bank will interact with them however and whenever they want. For many community banks, telephone calls still generate the highest volumes of customer service interactions.

Community Bank 70

Community Bank Community Operations Retail 70

Abrigo

APRIL 28, 2016

The SBA offers the “three Cs” to help aspiring entrepreneurs start up and scale up by making counseling available, providing more choices and chances to secure capital, and by helping them seize market opportunities to commercialize their ideas.

National 150

National San Jose Los Angeles United States 150

Jeff For Banks

DECEMBER 16, 2022

My method was to search for the best banks based on total return to shareholders over the past five years. I chose five years because banks that focus on year over year returns tend to cut strategic investments come budget time, which hurts their market position, earnings power, and future relevance than those that make those investments.

Puerto Rico 78

Puerto Rico Virgin Islands Community Community Bank 78

Abrigo

JANUARY 19, 2015

The BASEL Committee, in a January 2014 article , acknowledged four components of a capital planning process: 1. The Dodd Frank scenarios, while they do not necessarily apply to community banks with less than $10B in assets, can provide some guidance. closer monitoring of market information, 2. Forward-looking review 4.

Capital 150

Capital Analysis Policies Examples 150

Independent Banker

FEBRUARY 24, 2015

As a consequence, supply-siders, like your bank’s brokers, tend to avoid using them during a sales pitch. It’s ironic, therefore, that one of those terms should actually be embraced by community bank investment managers, and should be used to begin the discussion of what’s suitable for their bank’s portfolio. They are 1.)

Management 70

Management Community Bank Community Comparison 70

Gonzobanker

DECEMBER 22, 2020

Banks and credit unions had to fundamentally change their delivery, support and relationship management models at scopes and speeds that were unheard of. And how did community banks and credit unions respond to the COVID craziness? Bank Deal of the Year PNC nabs BBVA USA – paying 1.3 Market cap in January: $19B.

Idaho 172

Idaho Community Industry Strategy 172

Independent Banker

FEBRUARY 16, 2015

In 2014, mobile deposit capture technology became a staple for more than 3,000 banks and 33 million Americans. With the rapid adoption and ongoing acceptance of banking with a smartphone and smartphone camera, the banking industry is poised for even more growth in mobile banking in the coming year.

San Diego 70

San Diego Mobile ATM Trends 70

Independent Banker

MAY 24, 2016

Direct payments made to farmers disappeared with the 2014 farm bill. million farms and the community banks that lend to them each growing season, Scanlan points out. Community banks also are likely to see increased regulatory scrutiny of agricultural loans this year. Congress targets crop insurance budget.

Community Bank 70

Community Bank Kansas City Community Iowa 70

Jeff For Banks

JUNE 2, 2023

Between 1980 and 1995, more than 2,900 banks and thrifts with collective assets of more than $2.2 More recently and by comparison, the mortgage meltdown and subsequent global financial crisis took down more than 500 banks between 2007 and 2014, with total assets of nearly $959 billion. trillion failed. What caused it?

FDIC 78

FDIC Community Bank Regulation Lending 78

Jeff For Banks

DECEMBER 1, 2015

To experience the future of banking today, simply step across the threshold.” So went the 2012 press release announcing the opening of the next generation of the bank branch. At June 30, 2014, that branch had $23 million in total deposits, down $1 million from one year ago. Let’s compare to other market area profits.

Pennsylvania 60

Pennsylvania Community Bank Community Taxes 60

Abrigo

JANUARY 18, 2017

Indeed, almost half of owners of small and medium businesses surveyed in 2014 said they wanted a CPA who is proactive in helping them plan and implement technology changes, but almost 80 percent said their current CPA isn’t helping in this regard. Ecommerce sites : Even if the business already has a website, can sales be generated through it?

Technology 150

Technology Cards Software Payments 150

Jeff For Banks

DECEMBER 13, 2018

My method was to search for the best banks based on total return to shareholders over the past five years. I chose five years because banks that focus on year over year returns tend to cut strategic investments come budget time, which hurts their market position, earnings power, and future relevance than those that make those investments.

Oregon 101

Oregon Ohio California Community Bank 101

Independent Banker

DECEMBER 28, 2015

Robert Clark, executive vice president at Adirondack Bank in Utica, N.Y., remembers relaxing at home watching local resident Erin Hamlin on TV race down the luge track at the 2014 Winter Olympics in Sochi, Russia. “I You’ve got to do something to set yourself apart from regional banks,” he offers. “It

Nevada 70

Nevada Regional New York Marketing Strategies 70

Independent Banker

APRIL 28, 2016

However, what makes it even more remarkable is that in 2014 we suddenly and unexpectedly lost our longtime president, Justin Harper. As a community bank, Citizens Bank of Las Cruces has roots in our community, in our history and in our culture. Our journey to becoming a high-performance bank began many years ago.

Leadership 70

Leadership Community Community Bank US 70

Gonzobanker

MAY 8, 2015

As the sessions progressed a theme began to manifest that the traditional banking model has failed our customers and these digital lending platforms intend to reshape the industry, one process at a time. The lending attack on community banks and credit unions has been waged. THE PLAYERS. Consumer Lending.

Conference 60

Conference Lending Community Bank Community 60

Jeff For Banks

DECEMBER 29, 2020

My method was to search for the best banks based on total return to shareholders over the past five years. I chose five years because banks that focus on year over year returns tend to cut strategic investments come budget time, which hurts their market position, earnings power, and future relevance than those that make those investments.

North Carolina 147

North Carolina Capital Community Bank Wisconsin 147