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.

Austin 91

Austin Texas Community National 91

South State Correspondent

JULY 5, 2022

As a reference, the market expects short-term rates to increase by another 1.77% for the rest of 2022. We concluded that obligors showing less than 1.50X DSCR would be most at risk, but the average community bank underwrites to 1.20X DSCR. The most simple form of this calculation is the direct capitalization method.

Management 195

Management Capital US Community Bank 195

Gonzobanker

FEBRUARY 8, 2022

While AOBA 2022 had its share of execs wanting to “fake it until they make it” with future innovation, credit is due to the bankers who are pouring real financial investment into new fintech experiments. COVID may have accelerated things, but talk of booster shots and workplace policies wasn’t the most striking contrast at AOBA 2022.

Fintech 167

Fintech Customer Experience Conference Technology 167

South State Correspondent

JUNE 13, 2023

On our loan hedging desk, we work with hundreds of banks ranging in size from just over $100mm in assets to some national banks with over $1T in assets. Loan portfolio pipelines (below) are at about 35% from what they were in 4Q of 2022. This means that banks must be choosy on credit and how loans are structured.

Marketing 195

Marketing Examples Capital Management 195

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. Photo by Dennis Burnett. By Mindy Charski.

Texas 182

Texas San Antonio Community Bank Community 182

Abrigo

MAY 5, 2022

It also examines how community banks are different than other types of financial institutions, along with strategies for optimal operations. Listen to the podcast episode, " How To Sleep Easier at Night About Capital and Risk Levels.". Ahead of the Curve: A Banker’s Podcast Bonus Episode – ThinkBIG 2022.

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Community Lending Maine Resources 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.

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Community Bank Community National Philadelphia 172

Abrigo

MARCH 17, 2022

The Stress Test Scenarios for Big Banks Are Useful for Smaller Institutions' Own Tests Banking regulators recently released the 2022 scenarios for upcoming stress tests by the biggest banks. But small banks and credit unions can benefit from the stress test scenarios, too. What's in the 2022 stress test scenarios.

Capital 195

Capital Regulation Risk Management Community 195

Jeff For Banks

MARCH 5, 2022

Interest rates have risen dramatically since the beginning of 2022, with the 2 year Treasury up.76% The end of 2022 could be very interesting from all angles, including the federal mid-term elections, and may still be full of winter squalls. The federal stimulus also drove our national debt levels to over $30 trillion, or 123.4%

Marketing 78

Marketing Policies Community Bank Community 78

South State Correspondent

JANUARY 20, 2023

2022 will go down as one of the worst years for community bank loan mispricing when viewed on a spread basis. Rapidly rising rates crushed performance as many banks held a fixed rate constant and/or booked a fixed rate loan at a misguided level. The result is a credit-skewed portfolio to the negative.

Lending 195

Lending Community Bank Community Data 195

Gonzobanker

DECEMBER 19, 2022

Who saw 2022 coming and accurately predicted the headlines? A few modest examples of the 2022 roller coaster ride: The Fed rate hikes in 2022 totaled 425 basis points. In 2022, there was… wait for it… exactly one. Goes to 2022. Goes to all the hot tech and defi players that bought pricey ads at the 2022 Super Bowl.

Community 216

Community Fintech Industry Innovation 216

Gonzobanker

DECEMBER 17, 2021

Then right back to the impossible in 2022. Bank Deal of the Year. Bank Merger of the Year. Some interesting finalists would be: M&T and People’s United Old National and First Midwest Webster and Sterling Columbia Bank and Umpqua. Congrats on a brave move and national recognition Jim! THE BANKER AWARDS.

Fintech 147

Fintech Strategy Leadership Lending 147

South State Correspondent

JULY 25, 2022

Rate Hikes: Overall, most banks underestimated the number of rate hikes and the rate of net interest margin expansion in 2022. Most banks included 75bps in rate hikes. Now, stakeholders want to know what the bank has budgeted for the rest of the year? How is the bank adjusting its volume targets for the year?

Trends 195

Trends Lending Marketing Capital 195

Abrigo

NOVEMBER 29, 2021

You might also like this webinar: "Is inflation the big gift to your 2022 earnings?". 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 Bank 195

Community Bank Community FDIC Trends 195

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.

Fintech 195

Fintech Community Regional Technology 195

Jeff For Banks

APRIL 14, 2022

2019 Mehrsa Baradaran Baradaran, Mehrsa The Color of Money: Black Banks and the Racial Wealth Gap 2019 Neil Barofsky Barofsky, Neil Bailout: An Inside Account of How Washington Abandoned Main Street While Rescuing Wall Street 2012 Patricia Beard Beard, Patricia Blue Blood and Mutiny: The Fight for the Soul of Morgan Stanley 2007 Ben S.

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America National Denver United States 78