Independent Banker

NOVEMBER 30, 2018

” With the holidays and New Year on the horizon, it’s a time to reflect on 2018 and what it meant for us personally, professionally and, as it often is for community bankers, a mix of both. “We must all pause this holiday season and appreciate the people who make this industry what it is.” Where I’ll be this month.

Community 70

Community Community Bank Nebraska Austin 70

PYMNTS

MARCH 20, 2019

PYMNTS analyzed survey responses from more than 200 financial decision-makers at FIs across the United States, ranging in size from below $500 million to more than $25 billion in assets, and varying in type from commercial banks, community banks and credit unions.

Innovation 161

Innovation United States Innovation Strategies Cards 161

Gonzobanker

APRIL 2, 2018

Video Transcript: Daryl Jones : Cornerstone Advisors here to talk to you about the two top most important topics in lending for 2018 Daryl Jones joined here by Joel Pruis wanted to ask you Joel I guess what are some of the things that you’re seeing in lending that lenders out there should be looking forward to in 2018.

Lending 60

Lending Community Bank Community Video 60

Gonzobanker

NOVEMBER 28, 2017

In our travels, certain payments-related messages have surfaced over and over, and as we enter 2018, bankers need to pay attention to these five themes: 1 – Debit: In 2018, market forces will take 3% of banks’ current interchange income. Banks can sit and watch, or they can try to offset it.

Payments 106

Payments Fraud Cards Strategy 106

Banking Exchange

JANUARY 12, 2022

Archie Brown has been president and CEO of First Financial Bank since 2018 Community Banking Feature3 Feature Human Resources Management.

Cleveland 78

Cleveland Community Bank Resources Community 78

CFPB Monitor

OCTOBER 25, 2022

Following up on a threat it made back in 2018 , the New York State Department of Financial Services (DFS) announced on October 6, 2022 that it entered into a consent order with Rhinebeck Bank (“Rhinebeck”) to settle discrimination claims involving discretionary dealer markups on retail installment contracts with minority borrowers.

New York 78

New York Lending Community Bank Community 78

Independent Banker

FEBRUARY 28, 2023

Derek Williams, president and CEO of Century Bank & Trust in Milledgeville, Ga., wanted to be a financier before finding his way to community banking. He has also served on ICBA’s executive committee for many years, including a term as treasurer from 2016 to 2018. That love of community has defined his career.

Community 172

Community Community Bank Georgia San Antonio 172

South State Correspondent

MARCH 5, 2022

Community banks face intense competition for profitable borrowers and relationships. In this current market, swap spreads are negative, and banks that can utilize swap spreads in pricing loans gain a substantial pricing advantage. The graph below shows the ten-year swap spread over the last 30 years. Conclusion.

Community Bank 195

Community Bank Lending Community Regional 195

ABA Community Banking

JANUARY 21, 2019

The company made two major acquisitions in 2018: MainStreet Technologies (MST) and Sageworks Feature Financial Trends Retail Banking Technology Branch Technology/ATMs Tech Management Community Banking Feature3 Fintech.

ATM 40

ATM Community Bank Community Trends 40

Jeff For Banks

DECEMBER 13, 2018

is the parent company of Willamette Valley Bank, a community bank headquartered in Salem, Oregon. The Bank operates five full service offices. All of this blocking and tackling led to a five year total return to shareholders of 310% and the number 3 spot on the JFB total return list for 2018. Welcome to the list!

Oregon 101

Oregon Ohio California Community Bank 101

PYMNTS

APRIL 29, 2019

In 2018, it took longer to bring new features to market than in prior years. percent of those surveyed, it took seven to 12 months to launch innovations in 2018, compared to 33.3 In 2018, IT infrastructure was cited as the biggest barrier to innovation (37.8 Community banks (45.6 percent or commercial banks at 32.4

Fintech 193

Fintech Innovation Community Bank Study 193

Banking Exchange

APRIL 13, 2020

Bank granted ‘temporary and narrow’ relief from 2018 balance sheet restrictions to aid small business loan program Compliance Customers Compliance Management Compliance/Regulatory Feature3 Feature Community Banking.

Compliance 78

Compliance Community Bank Community Management 78

American Banker

AUGUST 22, 2023

Credit unions held more than 66% of all assets in the community development financial institution ecosystem, according to research from the Federal Reserve Bank of New York.

New York 69

New York Community Community Bank 69

PYMNTS

MAY 28, 2020

In the May Digital-First Banking Tracker® , PYMNTS explores the latest in the world of digital-first banking, including the challenges facing deployment of APIs amid the COVID-19 pandemic, new online initiatives from nationwide FI chains and community banks and the security challenges that are plaguing digital banking programs.

Community Bank 176

Community Bank Community Security Digital Banking 176

PYMNTS

MARCH 15, 2019

Community bank Patriot National has hit a regulatory roadblock in its plans to launch a Small Business Administrative platform, but reports in American Banker on Thursday (March 13) said the financial institution remains undeterred by the challenge. million in SBA 7(a) loans in fiscal year 2018.

National 139

National Community Bank Metro Lending 139

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

PYMNTS

JUNE 4, 2019

China’s community banks are raising new fears over the health of the industry after auditor Ernst & Young resigned from its work with regional bank Bank of Jinzhou. Reports said the decision for EY to quit is the latest event to raise concerns over China’s community banking sector.

Regional 100

Regional Community Bank Community Policies 100

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

Independent Banker

FEBRUARY 28, 2022

What this has to do with community bank investment management may not be readily apparent. Belly of the curve matters to community banks. First, the average duration of a community bank bond portfolio is more than four years right now. In fact, the tone is about to improve. There are really two reasons.

Community Bank 91

Community Bank Community Memphis Security 91

PYMNTS

OCTOBER 22, 2019

This developing world of payments and the fierce competition offered by non-traditional providers of financial services presents big challenges to smaller and community banks – those financial institutions (FIs) with less than $10 billion in assets. That brings [smaller] banks an immediate string of deposits,” Good said.

Community Bank 116

Community Bank Community Operations Leadership 116

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 141

Lending Community Bank Community Data 141

Independent Banker

MAY 31, 2022

Blue Ridge Bank uses one of its new branch locations as an innovative, hands-on classroom for local high school students. are getting a behind-the-scenes look at the world of community banking thanks to an innovative partnership between Blue Ridge Bank and Trust Co. Introduction to community banking.

Community Bank 91

Community Bank Community Kansas City Course 91

Abrigo

AUGUST 26, 2019

The community bank model is built around customer service, but for many bank and credit union customers, the definition of “good service” has been changing over the last couple of decades. The 2018 J.D. customers than traditional retail banks earned in the firm’s study of retail banking satisfaction.

Conference 150

Conference Lending Oklahoma Alabama 150

William Mills

JANUARY 25, 2018

William Mills Agency, the largest independent public relations and content marketing firm specializing in the financial industry, released its 15th annual financial services industry report, Bankers As Buyers 2018 today. Community Banks. The report includes industry research about what technology, solutions and services U.S.

Report 40

Report Technology Innovation Atlanta 40

Jeff For Banks

FEBRUARY 12, 2024

In 2018, started its LIHTC lending line. Instead of doing what was "easy" and raising capital, $QCRH decided to sell its least profitable charter, Rockford Bank and Trust, to bring in the capital to support its robust growth. This management team clearly continues to question how things were/are and are relentlessly trying to improve.

Columbus 112

Columbus Indianapolis Capital Community Bank 112

Abrigo

FEBRUARY 25, 2022

The traditional relationship lending approach for business loans – personal attention and local connections – offered by community banks and credit unions provides a competitive advantage in winning small business loans. It is the backbone of what many community financial institutions do, and they do it well.

Lending 195

Lending St. Louis Community Survey 195

Independent Banker

OCTOBER 1, 2022

But as the prevalence of security breaches grows, so do the opportunities for community banks to position themselves as guardians of their customers’ personal data through compliance, technology and relationship building. Shielding sensitive customer information from prying eyes remains a chronic industry challenge. Bob Hickok.

Data 91

Data How To Community Bank California 91

ABA Community Banking

FEBRUARY 7, 2018

Will under $200 million banks disappear? Management CSuite Community Banking M&A.

Community Bank 40

Community Bank Community Management 40

PYMNTS

FEBRUARY 19, 2019

Earlier this month, the Federal Reserve released new data that found the average merger review time for deals in the banking sector declined to 3.8 months in the first half of 2018, from 5.6 He pointed to the Community Reinvestment Act, which encourages banks to loan to small businesses. months in the first half of 2017.

Marketing 108

Marketing Community Community Bank Industry 108

PYMNTS

DECEMBER 9, 2019

AvidXchange processed more than $120 billion of invoices and payments across its network of more than 500,000 suppliers in 2018, transforming the way 5,500 customers in North America pay their bills, according to its website. Nashville community bank Studio Bank was the first FI to adopt the AvidPay solution.

North Carolina 130

North Carolina Nashville Charlotte Boston 130

PYMNTS

JUNE 18, 2018

Its latest index for May 2018 found that small business optimism was the highest it’s been since July 1983, and the second-highest in 45 years. percent decline in shares at large banks , coinciding with a 7.8 percent increase in shares at mid-cap regional banks and a 12.1 Big banks’ loan portfolios increased by 3.1

Lending 112

Lending Community Bank Regional Community 112

PYMNTS

FEBRUARY 4, 2019

Twenty-five of them were operational worldwide in 2017, and that number had swelled to 40 by September 2018, with 16 more expected to debut by 2020. billion in 2018 to $26.9 billion in 2018 to $26.9 That share rose to 62 percent in 2018, according to the Mercator Advisory Group’s “U.S. billion by 2023 — a CAGR of 30.9

Payments 183

Payments System Cards Policies 183

PYMNTS

FEBRUARY 1, 2019

The fourth quarter of 2018 was kind to Venmo and Zelle , the two big peer-to-peer (P2P) services that are battling for consumer loyalty and market supremacy — a fight that pits PayPal , the owner of Venmo, against the banks that operate Zelle. 31, 2018, with a year-end goal of 300 million.) P2P Numbers.

Cards 179

Cards Payments Mobile Operations 179

ABA Community Banking

OCTOBER 25, 2018

Wells Fargo, Chase, Bank of America and PNC received 6 million visits per month in the third quarter of 2018 Bank Performance Human Resources Feature Management Performance Customers Community Banking Feature3 Branch Technology/ATMs.

ATM 49

ATM Community Bank Resources America 49

Independent Banker

DECEMBER 13, 2015

Community banks face yet another set of regulatory requirements with the recently revised Regulation C reporting rule implementing the Home Mortgage Disclosure Act. The final rule greatly expands data-collection and reporting requirements, compounding existing regulatory and paperwork burdens that restrict lending by community banks.

Community Bank 70

Community Bank Community Resources Regulation 70

PYMNTS

MAY 3, 2018

Large banks in the U.S. The company’s 2018 PACE (Performance Against Customer Expectations) Report, published on Wednesday (May 2), found large financial institutions (FIs) are vulnerable to losing their small business customers, which tend to experience greater satisfaction levels at regional and community banks.

US 100

US Community Bank Community Survey 100

Jeff For Banks

APRIL 30, 2022

Me: Commercial Real Estate loans are the most profitable product in a community bank's arsenal and have been through various interest rate environments. Bank Senior Lender: Not when you consider the whole relationship. Take a more normal rate scenario at the end of 2018, when FF stood at 2.50%. CRE still wins.

Lending 78

Lending Massachusetts Taxes Community Bank 78