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. Here are five commercial lending trends from some of the industry’s top commercial lenders.

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Independent Banker

MAY 2, 2016

A Team Together—CCB Community Bank’s management team(back row, from left): Michael Andrews, executive vice president of lending; William Mellown, president; and Debbie Grissett Sr., CCB Community Bank. ROAA in 2015: 1.90 ROAE in 2015: 17.681 percent. Most banks are about the same.

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PYMNTS

MAY 16, 2016

The alternative lending market is showing signs of defeat against traditional bank loans, and SMEs are strengthening their demands for more than the typical solutions currently offered by traditional FIs. In B2B payments, that means changes in how businesses access, protect and ultimately make their money. 65% of U.K. 65% of U.K.

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Independent Banker

AUGUST 31, 2022

Daniel Galindo, pictured, and Doug Schaeffer of Woodforest National Bank helped involve the community bank in providing funding for and access to affordable housing. Combating the affordable housing crisis has been a critical goal for Woodforest since 2015. “We It supports many life endeavors.”.

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Austin Texas Community National 91

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.

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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.

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Community Bank Kansas City Community Iowa 70

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. For bankers considering starting a new bank, some of the hurdles you can expect include: 1.

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Oklahoma City FDIC Handbook Oklahoma 150

Jeff For Banks

DECEMBER 19, 2015

The bank was hammered with credit problems during the financial crisis, as Michigan's economy was hit pretty hard. Between 2008-11, the bank lost over $200 million, and its equity base was cut in half. But management went to work. Selling branches, shrinking the balance sheet, raising equity, and working out bad loans.

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Independent Banker

DECEMBER 13, 2015

Troy Peters, Jonestown Bank & Trust Co. Competition and regulatory risk in car lending race off. Vehicle loan originations reached almost $120 billion during the second quarter of 2015, states the New York Fed’s Household Debt and Credit Report. Half a dozen years ago, the community bank held $13 million in auto loans.

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Independent Banker

NOVEMBER 24, 2015

Troy Peters, Jonestown Bank & Trust Co. Competition and regulatory risk in car lending race off. Vehicle loan originations reached almost $120 billion during the second quarter of 2015, states the New York Fed’s Household Debt and Credit Report. Half a dozen years ago, the community bank held $13 million in auto loans.

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Independent Banker

NOVEMBER 25, 2015

Regardless of the name, nonbank technology firms are wedging themselves between community banks and their customers by offering a slew of traditional and nontraditional banking products. See “Closing the Gap” in the November 2015 issue, online at www.independentbanker.org.). Siphoning customers.

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Abrigo

OCTOBER 2, 2014

• Leverage ratio – Includes off-balance sheet exposures and will serve as a “backstop to the risk-based capital requirement,” but could lead to reduced lending. • Liquidity Coverage Ratio – Will require banks to have “sufficient high-quality liquid assets to withstand a 30-day stressed funding scenario.”

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How To Capital Community Bank Maine 236

Jeff For Banks

JUNE 2, 2023

Outside of those two crisis periods, American banking failures have generally been uncommon, at least since the end of the Great Depression. banks failed a year. bank failures per year between 1996 and 2006, and 3.6 between 2015 and 2022. The old borrow short, lend long strategy. There was an average of 4.3

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Independent Banker

AUGUST 31, 2021

This year’s winners: Left: Central Valley Community Bank, People’s Choice Award; Middle: Kennebec Savings Bank, Exceptional Community Bank Service Award; Right: Cross River Bank, Emerging Service Program Award. Exceptional Community Bank Service Award. Kennebec Savings Bank.

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CFPB Monitor

SEPTEMBER 21, 2015

The CFPB announced the appointment of new members to its Consumer Advisory Board, Community Bank Advisory Council, and Credit Union Advisory Council. New members to the Consumer Advisory Board will serve three-year terms and new members to the Community Bank and Credit Union Advisory Councils will serve two-year terms.

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Independent Banker

FEBRUARY 25, 2015

Coping just fine, community banks in energy-producing regions manage the oil-price plunge. Yet community bankers serving the oil industry say they’ve been expecting a drop in the notoriously cyclical price of crude. Pat Hickman, chairman and CEO of Happy State Bank, a $2.6 Pat Hickman, Happy State Bank.

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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.

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Resources Tools Community Bank Community 70

Independent Banker

MAY 2, 2016

ROAA in 2015: 2.48 ROAE in 2015: 24.49 Bank VI was founded in 2005 upon these sets of values: character, integrity and trust. Our bank is a direct result of the changes going on within the banking industry toward consolidation and mergers, and emerging larger banks. Salina, Kan. Assets: $76 million.

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PYMNTS

APRIL 7, 2016

In his annual letter to shareholders, Dimon went on, at some length, to say that the “mission-critical” services that big banks can supply are the types of things “regional and community banks simply cannot do.”. “In The concept of breaking up the bank was shot down both in 2013 and 2015.

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Washington Regulation Leadership Community Bank 100

Independent Banker

DECEMBER 28, 2015

Far more than any other issue, regulatory compliance is the biggest challenge community bankers experienced in 2015, with 43 percent naming it as such in ICBA’s State of the Community Banking Industry survey. First Security, a $180 million-asset community bank in New Salem, N.D., Making adjustments.

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North Dakota Community Bank Community Compliance 70

Gonzobanker

AUGUST 29, 2017

Anyone following the banking vendor space over the past few years knows that the standalone loan origination system providers – across all lending verticals of mortgage, consumer and commercial – are clearly taking the core vendors to the cleaners. Functionality. Point systems provide better system functionality (usually).

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Independent Banker

APRIL 28, 2016

Goodfield State Bank, chartered in 1920, has decided that sticking to the basics and focusing on niche markets will provide steady asset growth and a reasonable return to our shareholders. There is no secret sauce to our community bank’s recent strong performance. Goodfield State Bank. ROAA in 2015: 2.27

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Independent Banker

NOVEMBER 25, 2015

Kaarin Long stops by a local manufacturer while getting to know customers as Investors Community Bank’s cash management relationship manager. Cash Management Relationship Manager. Investors Community Bank in Manitowoc, Wis. IB: What is Investors Community Bank like? Kaarin Long.

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Community Community Bank Milwaukee Wisconsin 70

Independent Banker

JULY 28, 2016

Establishing a comprehensive Compliance Management System. The demands of managing regulatory compliance are uncontested, and depending on the disposition of the participants inside and outside of the bank, compliance management exists with varying degrees of problems and adversity. By Mary Thorson Wright.

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Compliance Training Community Bank Regulation 70

PYMNTS

APRIL 30, 2018

According to Bank of America head of small business Sharon Miller, this marks the highest level of optimism among SMBs since 2015. Sixty percent of SMBs say revenue will increase this year , Bank of America found, again highlighting the increase in this stat compared to past years.

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Taxes America National Community 144

Independent Banker

APRIL 28, 2016

Leadership Team—Citizens Bank of Las Cruces’ executive management team, from left: Jed Fanning, Tim Hargrove, Ruth Christopher and George Ruth. Citizens Bank of Las Cruces. ROAA in 2015: 2.07 ROAE in 2015: 21.77 We are as deeply committed to our community as a tree commits its roots to the soil.

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Leadership Community Community Bank US 70

Independent Banker

MARCH 15, 2015

Thoughtful lending and an open mind keep profits strong for incoming ICBA chairman Jack Hartings. The Peoples Bank Co. While out-of-town lenders gave money to customers requiring no down payments to buy overpriced homes that they couldn’t afford, Hartings, the president and CEO of The Peoples Bank Co. By Kelly Pike.

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Ohio Community Bank Community Lending 70

Jeff For Banks

DECEMBER 29, 2020

I also filtered for anomalies such as recent merger announcements, turnaround situations (losses suffered from 2015 forward), mutual-to-stock conversions, stock dividends/splits without price adjustments, and penny stocks. As a point of reference, the S&P US BMI Bank Total Return Index for the five years ended December 23, 2020 was 46.3%.

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Independent Banker

APRIL 28, 2016

We had a record year in gross loan production in 2015 and are looking to top that performance in 2016. Our lending strongly supports our tourist economy. IB: Do you have any discussions at the Dallas Fed on community bank regulatory burdens? Rasmussen: I talk about community bank regulatory burden at every meeting.

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Gonzobanker

JUNE 3, 2015

Gonzonians, one of the realities of banking in 2015 is that there’s just a lot more to know than there used to be. Conferences, vendors, research groups and snotty consultants are all good sources of information, but it is the bank that is accountable for translating that into a response. ” — Oscar Wilde. It should be.

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South State Correspondent

APRIL 10, 2023

More concerning is that while the CRE growth has slowed from double digits to just over 1%, regional and community banks are at a pace of greater than 12% of year-over-year volume growth. The risk here is that community banks continue to take on an above-average amount of CRE credit exposure.

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Independent Banker

JANUARY 28, 2016

Scott Badley says his informal work attire matches his casual management style. CSB Bank in Capac, Mich. Badley: We have a cool blend of communities. Some are heavily farming communities. Badley: I would create completely separate processes for determining regulatory controls for large banks and community banks.

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Community Compliance Community Bank Leadership 70

Independent Banker

SEPTEMBER 22, 2015

Avoiding potential lending hazards from regulatory flood-insurance requirements. At first blush, this new general rule might provide for considerable fear among compliance and lending personnel. However, calm can be restored for some banks as the final rule implements several exceptions to the general rule. By Lindsay LaNore.

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Regulation Policies Community Bank Taxes 70

Fintech Labs Insights

AUGUST 12, 2015

Its lending and credit management tools offer multiple services to track commercial debt. 3E’s Teslar toolbox integrates with all of a banks’ systems to present commercial loan officers with portfolio and performance data. Banks can configure dashboards at the branch level and even the user level by using filters.

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Software Management San Jose Arkansas 12

Gonzobanker

DECEMBER 22, 2015

Well, what do we say about 2015? And, give or take a stumble or two, we snuck through it and did a reasonable job on 2015 objectives, in our humble opinion. So, it seems we’re good with only one outstanding item—digest the 2015 GonzoBanker Awards! 2015 Executive Call-out. Community bank marketing resources.

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Community Bank Apple Community Technology 60

Jeff For Banks

FEBRUARY 1, 2019

Indeed, banks generally pull back on lending if longer-term loan rates are less than their cost of funds, which are generally based on shorter-term rates. Dorothy has been with Penn Community Bank and its predecessor since November, 2004. Since 1960, all six recessions have been preceded by inverted yield curves.

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Marketing Community Bank Community Risk Management 60

William Mills

MAY 11, 2016

CreditHQ helps businesses manage cashflow. Managing cash flow – targeted at small business in partnership with banks. ^KT. Here’s another solution for document management and origination. ^SR. It’s all done through the smartphone, with bank-level security. David Carr (Innovation Manager).

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