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 ” Now, Powell is also raising concerns about how bank industry consolidation could negatively impact the small business community.

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Marketing Community Community Bank Industry 108

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.

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Community Bank Lending Community Regional 195

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Since the financial crisis, noninterest income has transitioned from an important portion of a bank’s revenue to a much smaller piece of the revenue stream. Community banks target growth.

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Community Bank Community FDIC Trends 195

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 87

Payments Fraud Cards Strategy 87

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.

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New York Lending Community Bank Community 78

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 What changed year to year?

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Fintech Innovation Community Bank Study 193

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.

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Oregon Ohio California Community Bank 101

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

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Florida Community Bank Community FDIC 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.

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Community Bank Community Operations Leadership 116

Gonzobanker

FEBRUARY 7, 2018

Imagine one big party of more than 1,000 larger bank acquirers, smaller bank potential sellers, salivating investment bankers, and pen-in-hand attorneys full of big grins and big plans for 2018. Sarver grew Alliance from a small $700 million community bank acquisition to a $20 billion powerhouse in less than 15 years.

Taxes 76

Taxes Video Analytics Arkansas 76

Independent Banker

FEBRUARY 28, 2022

What this has to do with community bank investment management may not be readily apparent. In March of that year, while thousands were attending ICBA LIVE in Orlando, the financial markets went into a frenzy. Belly of the curve matters to community banks. In fact, the tone is about to improve.

Community Bank 91

Community Bank Community Memphis Security 91

Jeff For Banks

FEBRUARY 12, 2024

Agreed to sell 2 branches in weak markets - 12/2020 5/25 Look how much $CFBK accomplished in just over 4 years. (2/2) Entered Indianapolis on 5/2021, a top 2 Midwest market with Columbus, another market $CFBK is in. In 2018, started its LIHTC lending line. Raised capital in late 2019. shareholder value.

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Columbus Indianapolis Capital Community Bank 112

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.

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National Community Bank Metro Lending 139

Independent Banker

JULY 31, 2022

The Social Bankers, a collective of community bank marketers, offers inspiration, information and professional development advice to community bankers focused on marketing and social media. And that means it can be a challenge to keep up with the latest trends in social media marketing. By Julie Kendrick.

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social media Trends Community Groups 224

Jeff For Banks

APRIL 22, 2018

Now, if Mother Nature would cooperate… Volatility The markets have been incredibly volatile in the first quarter of 2018. The spike in volatility was a wake-up call to every investor and market participant that thought “vols” would stay historically low forever. Welcome to 2018! This may be the understatement of the year!

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Marketing Philadelphia social media Taxes 60

South State Correspondent

APRIL 3, 2023

While there have always been problems in banks’ asset-liability models (ALM) and liquidity stress test models, the current environment exacerbates this problem. A static pool of deposits is analyzed to see how long they remain on a bank’s balance sheet over time. This reduces the duration of these non-maturity deposits.

social media 195

social media Community Bank Analysis Training 195

Jeff For Banks

APRIL 27, 2019

Never Satisfied The markets never seem to be satisfied. The Federal Reserve recently took heed of market and economic messages, ending its tightening campaign and beginning its “patience” campaign. The markets hardly seemed satisfied with these two moves as they began building in rate cuts. A Win for the Ages !

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Marketing Community Taxes Community Bank 60

Jeff For Banks

FEBRUARY 1, 2019

After a lengthy stretch of strong economic growth and stock market gains, the inevitable correction arrived with force in the fourth quarter, culminating with a December that can only be described as “tres terrible!” US stocks erased all gains in 2018 and ended the year down 4% to 6%. 19% at year-end, 2018, down from.52%

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Marketing Community Bank Community Risk Management 60

Jeff For Banks

AUGUST 24, 2022

Financial Markets & Economic Update -Third Quarter 2022 Inflation The Federal Reserve waited too long before beginning its fight against inflation. Even more egregiously, the Fed continued to purchase $100 billion of Treasury and Agency bonds in the market each month through March, 2022! in June, 2022, compared to +12.4%

Marketing 78

Marketing US Community Bank Study 78

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.

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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. bankers will likely purchase this year. Channel Integration. Talent Wars.

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Report Technology Innovation Atlanta 40

Abrigo

FEBRUARY 25, 2022

Among those with eased terms, 31% reported they had narrowed spreads of small business loan rates over the cost of funds, and 43% reported having narrowed spreads for large and middle-market loans. It is the backbone of what many community financial institutions do, and they do it well.

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Lending St. Louis Community Survey 195

Jeff For Banks

OCTOBER 25, 2018

24% at September 30, 2018 compared to.84% Trade wars and tariffs dominated the market discussion in the third quarter with talk quieting down for now. US Government debt is at 104% of GDP at the end of the second quarter of 2018 and the ratio is likely higher in the third quarter. 84% at September 30, 2017. for August.

Marketing 67

Marketing US Taxes Trends 67

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. This rapid expansion is fueling predictions that the global real-time payments market will rise from a value of $6.8 billion in 2018 to $26.9 billion by 2023 — a CAGR of 30.9

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Payments System Cards Policies 183

Jeff For Banks

AUGUST 1, 2019

Financial Markets & Economic Update- Third Quarter, 2019 Summer is upon us and I cannot wait to get to the beach for vacation. Although business confidence fell from the uncertainty, stock markets were reaching new record highs on many of indices. in 2018 and +3.1% What an amazing ride it’s been this year for bonds!

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Marketing US Community Bank Community 60

Jeff For Banks

AUGUST 12, 2018

Economy and Momentum At the end of June, 2018, the current economic expansion turned nine years old. The second quarter of 2018 saw growth of 4.1% (the highest quarterly growth since 2014) and the third quarter may be close. Growth for the entire year of 2018 is expected at 2.8% for the year ending June, 2018.

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Marketing Philadelphia Omaha US 60

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.

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Data How To Community Bank California 91

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

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Lending Community Bank Regional Community 112

Independent Banker

SEPTEMBER 30, 2021

In this feature, we’ll look at a number of ways you can continue to build trust—an especially crucial task as the pandemic continues, telecommuting persists and consumer banking practices evolve. But for most community banks, building a trustworthy brand isn’t a conscious effort. billion-asset community bank.

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Community Community Bank social media Security 139

Jeff For Banks

NOVEMBER 16, 2020

The markets are taking it all in stride, rallying strongly for most of this week and they seem more grateful for the prospect of a divided Congress, i.e, The markets believe the chance of tax hikes, repeals of tax cuts, and gigantic initiatives are greatly diminished. The housing market is robust across the nation.

Marketing 78

Marketing National New York City Taxes 78

Jeff For Banks

NOVEMBER 1, 2017

Quarterly Financial Markets & Economic Update- October, 2017 I love this time of year. The markets have not given way to anything, with long term bonds still trading in a tight range and short term rates having risen from Fed action. Actually, the forecast for 2018 to 2020 is also 2%. What else is new?

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Marketing Taxes DC Community Bank 60

Long Lasting Ideas

FEBRUARY 2, 2015

While much of the advertising dollar goes to the prized 18-to-35 demographic, Bill Murtha’s recent post on mature adults gives powerful witness as to why marketing to mature adults is critical, especially for community banks and credit unions. Nearly 8,000 people turn 65 daily in the United States. Estate Planning.

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Meeting Marketing social media Community Bank 40

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.

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Cards Payments Mobile Operations 179

Independent Banker

APRIL 30, 2022

community, Plumas Bank has seen its share of wildfires, which have blighted northeastern California in recent years. First came the devastating Camp and Carr Fires in 2018; Plumas Bank donated $25,000 to two school districts and the Redding Trail Alliance, which were affected by the Carr Fire. We lost a branch.

Community 150

Community Nevada California Community Bank 150

Jeff For Banks

FEBRUARY 3, 2017

His election has already brought change to the financial markets, sending stocks rising 6%, as measured on the S&P 500 index, and sending interest rates to their highest levels in years. Clearly, the markets expect change. The markets must think that GDP growth will soar on January 21 st. and 2018 at 1.8% since 2009.

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Marketing Taxes Regulation US 60

PYMNTS

JULY 16, 2019

Ondot said its 4,000 banks and credit unions will see faster and easier upgrades while also gaining access to the latest innovations and functionality. This option allows mid-sized and smaller issuers to more quickly and easily launch these services and compete with large national banks on digital customer experience.”.

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Innovation Compliance User Experience Cards 128

Jeff For Banks

JULY 8, 2017

The markets continue to roll and bond markets continue to trade in a 25 basis point range, hitting the higher end when they think the economy is strong (why else would the Fed raise rates?) Incidentally, Chair Janet Yellen’s term at the Fed expires in February, 2018. Here we are in July already! Patience, they say!!

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Marketing Community Bank Security Data 60