Independent Banker

APRIL 30, 2022

Loan providers share an infectious enthusiasm and growing optimism for one vertical’s prospects in 2022: commercial lending. Here’s how community bankers can take advantage of various sectors—including SBA lending—over the next 12 months. First Business Bank in Madison, Wis., billion asset community bank.

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Lending Community St. Louis Community Bank 158

Abrigo

FEBRUARY 25, 2022

Personalized Touch with Efficient Service Can Boost Lending Banks and credit unions can boost business lending by combining a relationship focus with transaction-oriented processing. . Takeaway 1 Many banks and credit unions want to win more business loans but will face higher rates and more competitors.

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Independent Banker

JUNE 30, 2022

But there are ways community banks can help mortgage-seekers get on the property ladder. year-over-year increase in the first quarter of 2022, according to the National Association of Realtors (NAR). in early May­—up nearly 250 basis points from lows around 3% seen in 2021. So how can community banks help?

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Community Bank Community Millennials Resources 143

South State Correspondent

SEPTEMBER 18, 2023

The banking industry’s average efficiency ratio worsened for the first time since 2021. This development is very important to community banks, as their efficiency ratio also increased, but to 61.63%. The graph below shows the efficiency ratio for community and non-community banks (over $10B in assets).

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Management How To Community Bank Community 195

Independent Banker

DECEMBER 31, 2021

If 2020 was the year no one expected, 2021 was a year of resetting expectations. Between a smoldering pandemic, the divisive political landscape and strong, albeit uneven, growth, there was a lot to account for in 2021, and some uncertainty remains. Janet Silveria, Community Bank of Santa Maria. Click to enlarge.

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Community Bank Community Lending Louisiana 144

PYMNTS

DECEMBER 8, 2020

In today’s top news, economists expect the economy to recover back to pre-pandemic levels by the end of 2021, and China’s banking watchdog warns of further Big Tech regulations. Plus, online lending startup SoFi is looking to go public through a SPAC. Economists: Stimulus, Vaccine Key To Full Recovery By Year-End 2021.

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San Francisco Community Bank Video Capital 130

Gonzobanker

DECEMBER 17, 2021

Gonzo readers, 2021 was just plain schizophrenic. 2021 fintech investments, merger activities, and overall focus were off the charts. Two, read and enjoy the 2021 GonzoBanker awards, our annual take on the best things we saw during the year. Bank Deal of the Year. Bank Merger of the Year. Doug Larson.

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Fintech Strategy Leadership Lending 147

South State Correspondent

JANUARY 16, 2024

Some bankers will soon hear about another example of banks using derivatives that, unfortunately, will lead to losses. introduced a LIBOR alternative in March of 2021 (called BSBY). We published various articles comparing community bank alternatives to LIBOR (such as SOFR, Ameribor, Fed Funds, and Prime).

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Community Bank Community Compliance CA 195

Independent Banker

JUNE 30, 2022

The Peoples Bank helped the Jones family of Legacy Dairy in Hiseville, Ky., From left, Ally Jones; bank chairman, president and CEO Terry L. Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. Ag lending in the South: Relationships matter. By Ed Avis.

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Community Bank Community National Philadelphia 172

South State Correspondent

JULY 10, 2023

One possible solution to this dichotomy is for banks to offer interest rate swaps to hedge individual loans. This article will review domestic banks’ adoption of interest rate swaps. Next week’s article will consider the challenges and possible solutions for community banks to adopt loan hedging programs.

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Community Bank Community Tools Management 195

South State Correspondent

APRIL 12, 2022

Recently, JP Morgan Chase released its 64-page 2021 shareholder letter and 340-page annual report. As usual, it was full of insight that every community banker should consider. Our focus is on information that pertains to the community banking industry. JPM is using local branches to meet the needs of the community.

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Community Community Bank Leadership Lending 195

Independent Banker

JANUARY 31, 2022

Southern Bancorp partners with other community banks to increase loan accessibility and financial literacy to low-income customers. As CEO of Southern Bancorp, Darrin Williams wants to promote relationships between community banks and CDFIs to create more prosperous communities. Photo by Dero Sanford.

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Community Bank Community Leadership Arkansas 172

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

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 served as president and CEO of $365 million-asset Century Bank & Trust in Milledgeville, Ga., now part of Bank of America, before moving to Griffin, Ga.,

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Community Community Bank Georgia San Antonio 172

South State Correspondent

JANUARY 4, 2023

Building out the ever-important treasury management suite, targeting deposit-rich customer segments, and creating new savings products are all examples of how banks can build deposit balances at low cost, low-rate sensitivity, and high deposit convexity. Lending Focus – Interest Rate Sensitivity and Credit Accuracy. Conclusion.

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Community Bank Capital Training Lending 195

PYMNTS

OCTOBER 9, 2018

Experts say the move will not go unnoticed when the accounting standards begin to take effect for public companies in 2021. ” Small Businesses, Banks Affected. According to Cherry Bekaert LLP , Bank of America has allocated a 50-person team to prepare for adjusted credit loss standards.

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Community Bank Community Report Lending 153

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. Name: Woodforest National Bank. Doug Schaeffer, Woodforest National Bank. Doug Schaeffer, Woodforest National Bank.

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Austin Texas Community National 91

Abrigo

JULY 16, 2021

FinCEN Releases 8 AML/CFT Priorities These priorities were published June 30, 2021, highlighting several areas of heightened risk for the U.S. These priorities were published June 30, 2021, highlighting several areas of heightened risk for the U.S. financial system and national security. Lending & Credit Risk.

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Community Regulation Training Policies 195

Gonzobanker

FEBRUARY 8, 2022

Maybe instead of Acquire or Be Acquired, this conference should be called Evolve or Be Acquired,” observed Eric Sprink, CEO of Coastal Community Bank in Everett, Wash., and a trailblazer in the world of banking as a service (BaaS). The difference could be seen in what alpha bankers bragged about.

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Fintech Customer Experience Conference Technology 167

Gonzobanker

DECEMBER 19, 2022

In 2021, there were more than 120 fintech IPOs in the U.S., 2022 was the year the fintech industry and venture capital firms figured out that banking is harder than everybody thought. SoFI gets a commercial bank that brings deposits, compliance, AND business lending. Now that’s what you call a change of momentum.

Community 216

Community Fintech Industry Innovation 216

Gonzobanker

DECEMBER 22, 2020

And how did community banks and credit unions respond to the COVID craziness? Financial institutions went from having no PPP lending program at all to funding their first loan in 90 days – and this with literally last-minute regulatory guidance. Expect more cost-driven MOEs in 2021! Let us break it down for you.

Idaho 181

Idaho Community Industry Strategy 181

Gonzobanker

MAY 17, 2022

For regional and community banks there has never been a more frustrating time to be a buyer versus a builder of financial technology. The suboptimal structure of the bank tech world today has several root causes: Bank functional requirements go wide and deep. In 2021, the Standish Group reported that 83% of I.T.

Technology 145

Technology Regional Community Bank Community 145

Gonzobanker

DECEMBER 14, 2023

Not the financial industry’s “Troublemakers ” – those regional and community banks, credit unions and supporting fintech entrepreneurs who continue to engage customers and communities and find niches that keep the grassroots of our country’s financial system alive and kicking. billion bank in the Mid-Atlantic region.

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Fintech Community Regional Technology 195

South State Correspondent

JULY 25, 2022

Top Line Revenue & Lending. Quality Growth: Banks should start to emphasize core quality growth over absolute growth. If growth is predicted to be relatively strong for the rest of the year, stakeholders want to hear how the bank is “buying” that growth other than expanding credit. Real Estate Lending. and beyond.

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Trends Lending Marketing Capital 195

Jeff For Banks

APRIL 14, 2022

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. Blinder Blinder, Alan S. Bonadio Bonadio, Felice A. Bove Bove, Richard X.

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America National Denver United States 78

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Financial institutions generate most of their income by lending and investment activities. To remain competitive, some of the nations’ largest banks have introduced new products.

Community Bank 195

Community Bank Community FDIC Trends 195

Abrigo

MARCH 17, 2022

The 2022 stress test scenarios provide a blueprint for community banks and credit unions to get started on their own stress tests. Banks and credit unions can tailor them to their own instances rather than building them from the ground up – editing the regulator-developed scenarios as opposed to creating them from scratch. "a

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Capital Regulation Risk Management Community 195