Independent Banker

APRIL 28, 2016

At HNB National Bank, common-sense banking and remaining disciplined are very key to our success. A strong interest rate margin is almost always present in a high-performing bank. Our senior management team and our employees are like family. We treat the bank just like we own it, and it is ours.

Community Bank 70

Community Bank Community National US 70

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. Failing to hold the nonprofit to proper financial management and reporting standards. Accounting and consulting firm The Whitlock Co.

Analysis 150

Analysis Lending Community Bank Community 150

Independent Banker

AUGUST 9, 2016

According to the 2015 Colloquy Customer Loyalty Census, the average American household maintains memberships in 29 loyalty programs (1). Banking customers are no different. But offering a rewards program alone will not make a bank unique or successful. 2015, February 9). By Tylee Suarez. 2 – Chaudhuri, S.

Community 70

Community Millennials Community Bank America 70

CFPB Monitor

OCTOBER 9, 2018

regulatory agencies—the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the U.S. Nothing in this [Statement] alters a bank’s existing legal and regulatory requirements.” Patriot Act.)

Resources 68

Resources Compliance Community Bank Community 68

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.

Groups 60

Groups Los Angeles San Francisco Community Bank 60

Independent Banker

FEBRUARY 24, 2016

“I know that unnecessary regulation saps the strength of community banks.” Federal banking regulators are always alert to emerging safety and soundness issues. So our examiners will be vigilant in evaluating credit risk, and banks of all sizes should be as well. Curry, U.S. Comptroller of the currency.

Community Bank 70

Community Bank Community Regulation Compliance 70

Abrigo

OCTOBER 23, 2015

Behringer, McGladrey’s national leader for credit risk services. Portfolio stress tests can provide a number of benefits beyond compliance with regulatory expectations, Behringer said recently at the 2015 Risk Management Summit hosted by Sageworks. You don’t get a stress test because your doctor thinks it’s a good idea, right?”

Capital 150

Capital Analysis Examples Risk Management 150

NCR

MAY 9, 2017

Most community banks and credit unions have only one app, their banking transaction app. Hawaii National Bank’s Hawaii Score enables existing bank customers and non-customers the capability to access a TransUnion credit report and score without the need for a credit card or an existing account with Hawaii National Bank.

Fintech 75

Fintech Hawaii Community Bank San Francisco 75

PYMNTS

MAY 16, 2016

200 community banks have cut ties with Lending Club following the sudden departure of the alternative lender’s CEO and the subsequent hit to share prices, which reverberated across other alt-finance players. 30% of fleet managers will adopt a telematics solution in North America by 2020, stated Research and Markets. 65% of U.K.

Fintech 108

Fintech Lending Fraud Cards 108

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 By Howard Schneider.

North Dakota 70

North Dakota Texas Louisiana Community Bank 70

Independent Banker

JULY 30, 2015

Lindsay LaNore is responsible for ICBA’s new Community Banker University. She leads a team that works to identify, develop and offer courses that meet community banks’ educational needs. Her role is to make certain that relevant education is provided in a responsive manner to all community bank members. “I

Resources 70

Resources Tools Community Bank Conference 70

Independent Banker

DECEMBER 13, 2015

Even if you’re not required to use either version of the Cybersecurity Assessment, beta users say it can help your community bank gauge its cybersecurity risks and ultimately guard against cybercrime. At the Bank of Luxemburg, a $290 million-asset community bank in Luxemburg, Wis., Real-world testing. “I

Tools 70

Tools Community Community Bank Security 70

Independent Banker

NOVEMBER 24, 2015

Even if you’re not required to use either version of the Cybersecurity Assessment, beta users say it can help your community bank gauge its cybersecurity risks and ultimately guard against cybercrime. At the Bank of Luxemburg, a $290 million-asset community bank in Luxemburg, Wis., Real-world testing. “I

Tools 70

Tools Community Community Bank Security 70

Independent Banker

DECEMBER 13, 2015

1, 2015, and compliance with the rule is required by Oct. armed forces or servicemembers on active National Guard or Reserve duty, their spouses and their card-carrying dependents. Your community bank should review how the rule’s requirements will affect its products and services to prepare for the rule’s Oct.

Lending 70

Lending Compliance Regulation Virginia 70

Independent Banker

FEBRUARY 24, 2015

Carly Fiorina, former CEO and chair of Hewlett-Packard, is a keynote speaker at ICBA’s Community Banking LIVE conference in Orlando. A keynote speaker for ICBA’s national convention, Community Banking LIVE 2015, this month in Orlando, Fla., Photo by Timothy D. What are you going to reward?

Leadership 70

Leadership Community Bank Community Industry 70

Independent Banker

APRIL 28, 2016

What is HomeTown Bank doing in your marketplace? We had a record year in gross loan production in 2015 and are looking to top that performance in 2016. The expansion in the medical community continues to be the shining star in our state. IB: Do you have any discussions at the Dallas Fed on community bank regulatory burdens?

Dallas 131

Dallas Texas Houston Community 131

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.

Community Bank 195

Community Bank Community Los Angeles Regional 195

Independent Banker

MARCH 15, 2015

It was a prescient move for Hartings and the $450 million-asset community bank, which comfortably weathered the downturn even though residential mortgages are its biggest business line—but not everyone appreciated Hartings’ common-sense approach at the time. Executive Committee, member, from 2010-2015. ICBA service.

Ohio 70

Ohio Community Bank Community Lending 70

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.

Community Bank 60

Community Bank Apple Community Technology 60

Independent Banker

SEPTEMBER 22, 2015

Both of these laws pointedly changed the National Flood Insurance Program requirements over which of the banking agencies have jurisdiction. There is an exception that will be key for many community banks to understand. Biggert-Waters) the bank was not required under federal or state law to escrow taxes or insurance.

Regulation 70

Regulation Policies Community Bank Taxes 70

Gonzobanker

SEPTEMBER 15, 2014

As Cornerstone Managing Director and payments guru Bob Roth predicts, “Expect the merchants to now work on their MCX payment option all that much harder.” Apple will now work to squeeze out giant PayPal online and take its own innovative self-checkout processes to many national chains. 3: Determine Your Bank’s Tokenization Road Map.

Apple 103

Apple Cards Mobile Community Bank 103

Fintech Labs Insights

JULY 14, 2016

million investment , Austin, Texas-based Buzz Points is unveiling its new online management portal, Buzz Insight for its rewards and marketing platform. ” Buzz Insight is geared toward community financial institutions (CFIs) like credit unions and smaller banks, giving them visibility into customers and local business data. .”

Online 12

Online Austin Texas Community 12

Fintech Labs Insights

JULY 16, 2015

.” Previous investors in the company include Live Oak Banking Company and Wellington Management, which led the company’s last funding round, a $6.5 Malauzai specializes in developing innovative banking apps for community banks and credit unions. million fundraising, in May 2014.

San Jose 12

San Jose Austin Iowa Software 12

Tech and Finance

JULY 13, 2016

Regional and mid-tier banks face an uphill battle on the digital front, but have advantages they can capitalize on with some focus and determination. Alarm bells are sounding in boardrooms of regional and mid-tier banks across the U.S. Mobile Banking Functionality Benchmark. The big banks’ advantage in technology is not new.

Regional 28

Regional Mobile Millennials Study 28

Independent Banker

SEPTEMBER 21, 2015

Supreme Court, it is, and the high court’s recent ruling to that effect is likely to affect community banks, their regulatory examinations and their potential exposure to fair lending lawsuits. Furthermore, community banks still have the defense of “showing a business reason to justify their policies.”.

Lending 70

Lending Community Bank Policies Community 70

Jeff For Banks

DECEMBER 12, 2016

Before we begin and for comparison purposes, here are last year's top five , as measured in December 2015: #1. Independent Bank Corporation (Nasdaq: IBCP) #2. Carolina Bank Holdings, Inc. A summary of the banks, their stories, and links to their website are below. #1. Fentura Financial, Inc. OTCQX: FETM) #3. BNCCORP, Inc.

North Dakota 60

North Dakota Minnesota West Virginia Arizona 60

Gonzobanker

DECEMBER 22, 2014

Bank Acquisition of the Year - BB&T Corp. Nice community bank culture fit between the two as well. Bank Merger of the Year – California United Bank and 1 st Enterprise Bank in Los Angeles. But, nobody had this on the 2015 list until … Apple announced Apple Pay. Bring out your dead!

Los Angeles 101

Los Angeles Apple Risk Management California 101

Gonzobanker

DECEMBER 19, 2022

Hats off to Thomas Shara at Lakeland and Tony Labozzetta of Provident for architecting the new $25 billion super-community bank in New Jersey. GonzoBanker of the Year: Bank. David Brager, Citizens Business Bank (Ontario, Calif.). Steven Schnall, CEO of Quontic Bank. Provident Financial Services, Inc.

Community 216

Community Fintech Industry Innovation 216

Jeff For Banks

APRIL 14, 2022

The Courage to Act: A Memoir of a Crisis and Its Aftermath 2015 Peter L. A Primer on Money, Banking, and Gold 2008 Cordelia Frances Biddle Biddle, Cordelia Frances Biddle, Jackson, and a Nation in Turmoil: The Infamous Bank War 2021 Alan S. Guardians of Prosperity: Why America Needs Big Banks 2013 John F.

America 78

America National Denver United States 78

Fintech Labs Insights

JULY 22, 2015

Advisor Software will provide an overview of its wealth management cloud platform – an end-to-end suite of APIs, apps and widgets that power digital investment advice and financial planning applications. Why it’s a must-see: It has nearly 120 APIs that will power the next generation of digital wealth management applications.

San Francisco 12

San Francisco Video Fintech Data 12

Jeff For Banks

APRIL 22, 2018

25% for the sixth time since December, 2015. National housing indices continue to rise by +6% on a year-over-year basis and are projected to rise at least +5% during 2018, provided that long term mortgage rates do not spike and cut off demand. Dorothy has been with Penn Community Bank and its predecessor since November, 2004.

Marketing 60

Marketing Philadelphia social media Taxes 60

Jeff For Banks

NOVEMBER 16, 2020

Did you manage a vacation over the summer? Moody’s estimates that there is $70 billion in back rent across the nation. By the way, our economy has done better than all other nations; for example, Europe is 4.3% The national unemployment rate peaked at 14.7% The housing market is robust across the nation.

Marketing 78

Marketing National New York City Taxes 78

Abrigo

JULY 23, 2021

It is a concept that we have all heard of, however, the concept remains somewhat of a mystery in the community bank world. The North Korean government has been also found to have used chemical weapons against its own nationals. In early 2019 Syria used chlorine gas against its own nationals. In addition, the U.S.

National 195

National Training United States Regulation 195