South State Correspondent

JANUARY 4, 2023

A potential economic slowdown, slower rate rises, an inverted yield curve, and deposit stress likely make 2023 a trying year compared to 2022. Because many banks are now producing below their cost of capital, growth further exacerbates their issues and drives them out of business (likely through a sale) faster.

Community Bank 195

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. By Aileen McDonough.

Austin 91

Austin Texas Community National 91

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

Abrigo

MAY 5, 2022

Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S. Main Street Banking: A Podcast for Community Bankers 8. It also examines how community banks are different than other types of financial institutions, along with strategies for optimal operations.

Community 195

Community Lending Maine Resources 195

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

Abrigo

NOVEMBER 17, 2023

While some of the recent trending fraud schemes are not new, they have been transformed to prey on communities already dealing with unprecedented times. billion to fraud in 2022, a 44% increase over the prior year and a trend that has continued into 2023. The downturn in the economy has undoubtedly affected fraud statistics as well.

Fraud 195

Fraud Training Trends Compliance 195

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

Here’s how four community banks are thriving in this environment. Clearly, community banks in the region have plenty of opportunities to do what they do best: forge deep and lasting relationships with their customers and communities. These include family-owned businesses, community businesses and operating companies.

Texas 182

Texas San Antonio Community Bank Community 182

Bobsguide

OCTOBER 4, 2022

London, UK – October 3, 2022 – Finastra today revealed a sneak peek at its annual State of the Nation Financial Services research. Open communities: Creating more equitable access to banking. Sustainable environmental and social value creation in financial services has never been more important.

Leadership 68

Leadership Innovation Industry Capital 68

Independent Banker

JUNE 30, 2022

Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. But as they always do, they came through for individuals and businesses in their communities with a combination of personalized service and prudent risk management practices. American Bank, National Association.

Community Bank 172

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. The 2022 stress test scenarios provide a blueprint for community banks and credit unions to get started on their own stress tests.

Capital 195

Capital Regulation Risk Management Community 195

Gonzobanker

DECEMBER 17, 2021

Then right back to the impossible in 2022. 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! Goes to Eric Sprink, Coastal Community Bank , Everett, Wash. THE BANKER AWARDS.

Fintech 147

Fintech Strategy Leadership Lending 147

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. Even though many loans were booked at below-par value (more information HERE), increasing margins helped drive significant revenue resulting in one of the best years for an initial risk-adjusted return on capital.

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

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. Loan Pricing: Loan pricing has increased in the capital markets, yet bank loan pricing has continued to compress. General Performance. Most banks included 75bps in rate hikes. Asset Quality. and beyond.

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. Flush with deposits?

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. We are in awe. Seriously in awe.

Fintech 195

Fintech Community Regional Technology 195

CB Insights

JUNE 14, 2018

These companies are advancing a variety of construction methods to build ambitious development projects that reimagine everything from the wood used in homes to the ways we think about private vs. communal space. Housing supply is dire nationally, with the US reportedly staring down a housing shortage of 7.3M Table of contents.

Seattle 56

Seattle Capital Industry New York 56

CB Insights

APRIL 24, 2018

Discount and budget retailers are capitalizing on this, targeting their stores toward consumers that are looking for a bargain. We look into how stores are being transformed into showrooms, community gathering spots, and even event spaces as retailers leverage the physical store as tool for brand marketing. Short answer — yes, and no.

Retail 59

Retail Trends Technology Branding 59

Jeff For Banks

APRIL 14, 2022

21st Century Monetary Policy: The Federal Reserve from the Great Inflation to COVID-19 2022 Ben S. 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. Bernanke Bernanke, Ben S. Essays on the Great Depression 2004 Ben S.

America 78

America National Denver United States 78