South State Correspondent

DECEMBER 13, 2023

The current QT contrasts with the 2016 QT when the Fed started draining its balance sheet two years after its first rate hike. The graph below shows COF for the same three groups of banks. Community banks’ COF increased 18bps in Q3/23 sequentially, while the Fed has been on pause since July.

Community Bank 195

Community Bank Community Policies Tools 195

Abrigo

JULY 13, 2017

The 2017 Risk Management Summit presented by Sageworks is set for September 25-27th in Denver, CO. The Summit is the industry’s leading life-of-loan conference, spanning loan origination through portfolio risk management in a CECL - current expected credit loss - world. Here are the 2016 Summit Takeaways.

Risk Management 170

Risk Management Management Denver Conference 170

Abrigo

MARCH 22, 2017

The 2017 Risk Management Summit presented by Sageworks is set for September 25-27th in Denver, CO. The Summit is the industry’s leading life-of-loan conference, spanning business development through portfolio risk management in a CECL - current expected credit loss - world. Here are the 2016 Summit Takeaways.

Risk Management 186

Risk Management Management Denver Conference 186

South State Correspondent

MAY 18, 2022

In two recent articles, we reviewed the banking industry’s deposit behavior with regard to cost of funding earning assets (COF) ( HERE ), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle ( HERE ). A graph for SouthState Bank appears below.

Community Bank 195

Community Bank Community Analysis Industry 195

South State Correspondent

MAY 9, 2022

In our previous article ( HERE ), we reviewed the banking industry’s cost of funding earning assets (COF), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle. The beta for all banks, and various sized banks over the entire cycle is listed below.

Community Bank 195

Community Bank Community Industry Online 195

Jeff For Banks

JANUARY 12, 2019

I will say there seems to be more PE, Investment Banker, Investment Management types on the Bottom 5 boards than on the Top 5. This might be explained by the capital formation process, where a low performing bank gets equity injections and those folks go on the board. Frequently asked. Seldom answered.

Community Bank 60

Community Bank Community FDIC Dallas 60

Jeff For Banks

JANUARY 12, 2019

I will say there seems to be more PE, Investment Banker, Investment Management types on the Bottom 5 boards than on the Top 5. This might be explained by the capital formation process, where a low performing bank gets equity injections and those folks go on the board. Frequently asked. Seldom answered.

Community Bank 60

Community Bank Community FDIC Dallas 60

PYMNTS

JANUARY 23, 2020

The Office of the Comptroller of the Currency (OCC) said that there will also be a number of other individuals selected for punishment involving the fake accounts scandal, including other executives at the bank. Another Wells Fargo exec, Carrie Tolstedt, from the Community Bank unit, is still fighting her allegations, the OCC said.

Community Bank 185

Community Bank Regulation Community Meeting 185

Independent Banker

SEPTEMBER 1, 2016

Congratulations to the Top 2016 IB Social Media Leaders. Independent Banker ® magazine recognizes three community banks who have conducted creative, engaging and impactful social media campaigns. Bank of Ann Arbor. Busey Bank. Campaign: Community Promise Month. listed in alphabetical order).

social media 96

social media Community Community Bank Michigan 96

Independent Banker

JULY 31, 2022

Observing the gap in pandemic relief in south Florida due to a lack of local community banks, a trio of banking veterans teamed up to form a digital-first community bank—and were granted a charter in record time to support local businesses. Name: Locality Bank. Keith Costello, Locality Bank. “We

Florida 91

Florida Community Bank Community FDIC 91

Abrigo

NOVEMBER 18, 2016

In a survey of community banks and credit unions at the 2016 Sageworks Risk Management Summit, 42 percent of respondents said Commercial Real Estate, or CRE, lending was their primary focus for loan portfolio growth. Learn more about the Sageworks Credit Risk Management Solution.

Community Bank 150

Community Bank Handbook Lending Risk Management 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. February 2016.

Community Bank 91

Community Bank Community Software New York City 91

PYMNTS

JANUARY 23, 2020

The Office of the Comptroller of the Currency (OCC) said that there will also be a number of other individuals selected for punishment involving the fake accounts scandal, including other executives at the bank. Another Wells Fargo exec, Carrie Tolstedt, from the Community Bank unit, is still fighting her allegations, the OCC said.

Community Bank 136

Community Bank Regulation Community Meeting 136

NCR

DECEMBER 1, 2017

It’s an interesting time to be a community financial institution (FI) right now. For smaller community banks and credit unions in the US, it might seem like a difficult time to do business, with so much change, intensifying competition and regulatory compliance to contend with. “They get better service.

Community 56

Community Community Bank Michigan Lending 56

Independent Banker

OCTOBER 31, 2021

Community bankers tell us why. First State Bank & Trust in Williston, N.D., started developing its digital lending platform about three years ago—and the bank is really glad it did. “I’m Chris Jundt, First State Bank & Trust. Community banks have really propelled themselves into this journey in a fantastic way.

Lending 91

Lending Community Bank Community North Dakota 91

Long Lasting Ideas

JULY 7, 2016

Joe Wheeler has spent more than two decades in the financial services industry, much of that time helping community banks to craft strategic plans, while at the same time incorporating risk management and regulatory considerations into the strategic equation. at Bank Marketing Strategy + Ideas.

Marketing Strategies 40

Marketing Strategies Risk Management Community Bank Community 40

Abrigo

NOVEMBER 12, 2016

Many community banks and credit unions are turning to small business loans as a source of loan growth. In their Spring 2016 Semiannual Risk Perspective , regulators have publicly acknowledged increasing risk in commercial real estate lending, so small business lending seems like it may be an alternative path.

Lending 186

Lending Community Bank Community Analysis 186

Jeff For Banks

JULY 13, 2023

But can it be for the community banks that would covet the customers that make up the $1.9 Wells Fargo was slapped with a similar CO back in 2016, while they were third in the nation in deposit market share. Representment issues and the disclosures were recently a regulatory hot-button issue in bank exams. I hope so.

Cards 78

Cards Community America Community Bank 78

PYMNTS

JANUARY 18, 2019

Mastercard ‘s commercial card spend management solution In Control has been integrated into the accounts payable (AP) automation platform of MineralTree , the companies said in a press release on Thursday (Jan. Their tie-up, launched in 2016, saw Visa’s Payables solution integrated into MineralTree’s AP automation tool.

Cards 138

Cards Community Bank Tools Regional 138

ABA Community Banking

NOVEMBER 21, 2015

SNL Report: As FASB's new loan-loss rule approaches, small bank outcry intensifies Bank Performance Management Financial Trends Risk Management Performance Credit Risk Community Banking.

Risk Management 40

Risk Management Community Bank Community Trends 40

PYMNTS

JANUARY 23, 2020

People facing charges include former community bank manager Carrie Tolstedt, former chief administrative officer Hope Hardison and former chief auditor David Julian, the sources told Bloomberg. The scandal cost the bank billions and led to the firing of two CEOs. . Aside from the OCC’s probe, the U.S.

Regulation 131

Regulation Community Bank Community Security 131

PYMNTS

APRIL 30, 2018

and finance experts are celebrating with new data on the state of the entrepreneurial community. But analysts from Bank of America, Square, Navcom and the National Association for the Self-Employed warn that challenges for some SMBs have reached new heights, too. National Small Business Week is this week in the U.S.,

Taxes 144

Taxes America National Community 144

Jeff For Banks

DECEMBER 16, 2022

Communities First Financial Corporation (OTCQX: CFST) Communities First Financial Corporation is the bank holding company for Fresno First Bank , which opened in December 2005 dedicated to meeting the banking needs of businesses, professionals, and successful individuals in Central California. Nasdaq: TBK) #4.

Puerto Rico 78

Puerto Rico Virgin Islands Community Community Bank 78

Gonzobanker

MAY 31, 2019

article , former Small Business Administration administrator Karen Mills said community banks with strong small business customer bases that don’t find new ways to serve them digitally are going to face a “reckoning.” billion to small businesses in 2018, up nearly 36% over 2017 and double that of 2016. Source: DeBanked ).

Lending 136

Lending Community Bank Community Data 136

PYMNTS

NOVEMBER 6, 2018

According to Sky News , Britain’s biggest High Street lender is also cutting around 6,000 existing jobs in a broad range of areas, including its group transformation division, corporate banking, retail and community banking activities. billion from Bank of America.

Groups 122

Groups Community Bank America Security 122

Gonzobanker

JANUARY 14, 2016

Hey, community bank and credit union marketers: Imagine that you’re sitting in your office, and your CEO comes in and says, “Got a minute? In many community-based FIs, however, Marketing isn’t good at doing that. ” You’ve got a minute. What do you say? ”]. ”]. .”

Community 60

Community Marketing Mobile US 60

Independent Banker

JANUARY 28, 2016

Anticipating safety and soundness exam issues in 2016. As in past years, community bankers will have a dynamic regulatory environment to contend with in 2016. Safety and soundness concerns will remain a prominent driver of that supervisory dynamic for community banks. What should community banks anticipate here?

Community Bank 70

Community Bank Community Regulation Lending 70

Abrigo

AUGUST 3, 2017

The FDIC paper The Entry, Performance, and Risk Profile of De Novo Banks published in April 2016 reports that the number of de novo bank failures and acquisitions annually has drastically declined since 2010, primarily due to the fact that new bank formations have become nearly inexistent.

Oklahoma City 150

Oklahoma City FDIC Handbook Oklahoma 150

ABA Community Banking

APRIL 4, 2017

Fed's 2016 rate hike brought big jump in some CD rates Bank Performance Management Financial Trends Community Banking.

Community Bank 40

Community Bank Community Trends Management 40

Independent Banker

FEBRUARY 24, 2016

As in past years, community bankers will continue to contend with a dynamic, highly competitive lending environment in 2016. Mark Vis, a real estate and commercial loan officer with First State Bank Southwest, a $250 million-asset community bank in Worthington, Minn., Morton, Farmers & Merchants Bank.

Trends 79

Trends Community Bank Lending Community 79

Independent Banker

JULY 30, 2015

An interview with Lindsay LaNore, executive vice president, Community Banker University®. 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. Community Banker University.

Resources 70

Resources Tools Community Bank Conference 70

Independent Banker

DECEMBER 13, 2015

Certain mobile functions and features are essential to the success of a community bank’s mobile banking offerings. Newfangled mobile capabilities could help community banks stand apart from their competitors. Funds transfer (within same bank). Personal financial management (account aggregation).

Community Bank 70

Community Bank Boston Community Iowa 70

Independent Banker

NOVEMBER 24, 2015

Certain mobile functions and features are essential to the success of a community bank’s mobile banking offerings. Newfangled mobile capabilities could help community banks stand apart from their competitors. Funds transfer (within same bank). Personal financial management (account aggregation).

Community Bank 70

Community Bank Boston Community Iowa 70

Independent Banker

AUGUST 25, 2016

Wisconsin bank uses LEAD FWD Summit as a development resource. You can feel the energy boost at Park Bank from its leadership development program. Young employees at the community bank in Madison, Wis., In 2015, the bank paid for 10 employees to attend the conference. By Tim Cook. are excited. Sunday, Sept.

Conference 104

Conference Leadership Community Bank Community 104

Independent Banker

JULY 29, 2016

The demand for professional development opportunities for community bankers has never been greater. Last year Community Banker University’s eight certification programs provided more than 4,000 community bankers with highly tailored training.

Minneapolis 70

Minneapolis Community Bank Community San Antonio 70

CFPB Monitor

AUGUST 22, 2016

The CFPB has announced the appointment of new members to its Consumer Advisory Board, Community Bank Advisory Council, Credit Union Advisory Council, and Academic Research Council. In January 2016, the CFPB published a notice in the Federal Register soliciting applications from individuals interested in becoming members.

San Antonio 60

San Antonio Kansas City Groups CA 60

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. He adds that regulators and bank management need to act to prevent those risks from becoming reality. “We

Community Bank 70

Community Bank Lending Community Regulation 70