Independent Banker

APRIL 30, 2022

Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own path to success. In true community bank fashion, each has its own story to tell and its own path to success.

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Community Bank Community Montana Taxes 172

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. 1) The Fed May Hike More Than Expected.

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Community Community Bank Leadership Lending 195

Independent Banker

AUGUST 31, 2021

This year’s winners: Left: Central Valley Community Bank, People’s Choice Award; Middle: Kennebec Savings Bank, Exceptional Community Bank Service Award; Right: Cross River Bank, Emerging Service Program Award. Exceptional Community Bank Service Award. Kennebec Savings Bank.

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Community Bank Community National Fresno 196

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

APRIL 30, 2022

Here’s how community bankers can take advantage of various sectors—including SBA lending—over the next 12 months. Community banks that have struggled to grow their commercial loan portfolios over the past two years are optimistic that there are brighter days ahead this year and next. First Business Bank in Madison, Wis.,

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Lending Community St. Louis Community Bank 158

Independent Banker

NOVEMBER 30, 2021

We asked both leaders and staffers to tell us what makes their community banks stand out as employers. Key Community Bank: Leading by example. Key Community Bank. At the heart of Key Community Bank’s work culture is connection. Greg Dennis, Key Community Bank. “We

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Community Bank Community Texas Leadership 164

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

South State Correspondent

JANUARY 4, 2023

That said, smart banks will make growth a byproduct and ensure they have all their other processes right. In addition, they may consider focusing on these five critical areas: Improve Operating Leverage. This combination means that banks will need to focus on the quality of their earnings. Conclusion.

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Community Bank Capital Training Lending 195

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

FEBRUARY 25, 2022

Cornerstone Advisors surveys have found that the percentage of community financial institution executives who see fintech companies like Square and PayPal, which offer business loans, as significant threats has increased from 36% in 2021 to 47% in 2022. Streamlined, Quick. Win more business loans you want.

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Lending St. Louis Community Survey 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, particularly those in the technology industry, may be affected by some of these changes as well, though Davis added that it depends on the industry in which SMBs operate.

Community Bank 153

Community Bank Community Report Lending 153

Independent Banker

OCTOBER 1, 2021

For the purposes of the Q2 2021 UBPR, regulators placed a Texas-based community bank into a nationwide group of other banks with assets between $300 Million and $1 Billion (“PG5”). Looking at NIM, in Q2 2021, the UBPR indicated a value of 3.52 for the bank and an average value of 3.40

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Analysis Texas Groups Examples 91

Independent Banker

JANUARY 31, 2022

Ken Finley, president of Johnson City Bank, in downtown Johnson City with Shannon Sultemeier, executive vice president (left); and Brenda Haynes, vice president/cashier (right). Here’s how four community banks are thriving in this environment. These include family-owned businesses, community businesses and operating companies.

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Texas San Antonio Community Bank Community 182

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

South State Correspondent

JULY 5, 2022

In a stagflation environment, as interest rates rise and cash flow (earnings before interest, taxes, depreciation, and amortization (EBITDA), or net operating income (NOI)) decreases, the borrower’s capacity to service debt as measured by the debt service coverage ratio (DSCR) decreases rapidly. in December 2021).

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Management Capital US Community Bank 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. ESG will broaden the scoreboard.

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Fintech Customer Experience Conference Technology 166

Gonzobanker

DECEMBER 22, 2020

Banks and credit unions had to fundamentally change their delivery, support and relationship management models at scopes and speeds that were unheard of. And how did community banks and credit unions respond to the COVID craziness? Expect more cost-driven MOEs in 2021! Bank Deal of the Year PNC nabs BBVA USA – paying 1.3

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Idaho Community Industry Strategy 172

Jeff For Banks

MARCH 5, 2022

in real final sales, which is very weak compared to +8% to +9% in the first two quarters of 2021. 3% in January, which was the first monthly decline since the beginning of 2021. in the fourth quarter of 2021. GDP for all of 2021 was +5.7%, following a year of decline in 2020 of -3.4% The CPI started 2021 at +1.4%

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Marketing Policies Community Bank Community 78

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. percentage points to 67.52% from the end of 2019 to the end of 2021.

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Community Bank Community Industry Online 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. The bank provides crop insurance to farmers in 11 states.

Community Bank 172

Community Bank Community National Philadelphia 172

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

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. To remain competitive, some of the nations’ largest banks have introduced new products. Community banks target growth. Types of Noninterest Income. An important source of revenue.

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Community Bank Community FDIC Trends 195

Social Assurance

DECEMBER 13, 2021

The holidays are a time when communities come together to support each other and celebrate the bonds that bring us together. Through it all, community banking institutions have been there to support their neighbors. Covid-19 impacted every community across the nation and the world. It’s been a trying two years.

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Branding Community Rhode Island Iowa 15

South State Correspondent

MAY 31, 2023

What used to take $160 million in deposits to break even back in early 2021 now takes closer to $40 million. Despite that increase in profitability, banks need to be mindful of how they manage their branch and customer base to increase profitability further. Branching is expensive – banks need to use the asset wisely.

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Data Branch Strategies Strategy Mobile 195

South State Correspondent

JULY 25, 2022

In the last two months, the messaging points for banks have shifted from one of prosperity to one of cautious growth and optimism layered with some contingency planning. Providing a narrative around your “fortress balance sheet,” ever-more-efficient operations, and defensive vision is now critical. General Performance.

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Trends Lending Marketing Capital 195

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. Hats off to Thomas Shara at Lakeland and Tony Labozzetta of Provident for architecting the new $25 billion super-community bank in New Jersey.

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Community Fintech Industry Innovation 216

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 194

Abrigo

JULY 23, 2021

FinCEN released their first ever government wide priorities (“Priorities”) for anti-money laundering and countering terrorist financing on June 30, 2021. It is a concept that we have all heard of, however, the concept remains somewhat of a mystery in the community bank world.

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National Training United States Regulation 195