South State Correspondent

JUNE 21, 2022

This decision coincided with rate hikes by the Swiss National Bank, its first since 2007, the Bank of England, and the European Central Bank announced at an emergency meeting that they would raise interest rates next month and again in September. The Fed Hike and Current DOT Plot. Conclusion.

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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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Independent Banker

MARCH 31, 2022

From credit union overreach to onerous overregulation, the 2022/23 ICBA board of directors has plenty on its to-do list. Executive committee members tell us what advocacy issues they’ll be focused on during their terms, while board members share their words of wisdom for up-and-coming community bankers: themselves. By Molly Bennett.

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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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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. Banks will need to balance these short-term challenges with longer-term strategic goals. Financial pressure will be greater, and bank margins will be higher. Yeah, that was a mistake.

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PYMNTS

OCTOBER 9, 2018

” “There is no doubt that the lease accounting standards will add new complexities to a broad range of business functions, including sales, lending, contracting and financial reporting,” wrote Whitney Schiffer, CPA, in an article last week for accounting and advisory firm Berkowitz Pollack Brant.

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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

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

Ahead of the Curve: A Banker’s Podcast Ahead of the Curve: A Banker’s Podcast has insights from banking leaders and advisors across the banking industry. It also examines how community banks are different than other types of financial institutions, along with strategies for optimal operations. Lending & Credit Risk.

Community 195

Community Lending Maine Resources 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.

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Texas San Antonio Community Bank Community 182

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.

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Marketing Examples Capital Management 195

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). Burmis, senior vice president and retail lending manager at $450 million-asset Chelsea State Bank in Chelsea, Mich.

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Community Bank Community Millennials Resources 143

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

PYMNTS

MAY 16, 2016

The alternative lending market is showing signs of defeat against traditional bank loans, and SMEs are strengthening their demands for more than the typical solutions currently offered by traditional FIs. Those services include bitcoin and peer-to-peer lending, analysts said. 65% of U.K. percent of borrower applications.

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Fintech Lending Fraud Cards 108

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. Banks had tight spreads on loans with 1.2

Lending 195

Lending Community Bank Community Data 195

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

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.

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Fintech Strategy Leadership Lending 147

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. Most banks included 75bps in rate hikes. Now, stakeholders want to know what the bank has budgeted for the rest of the year? Top Line Revenue & Lending. General Performance.

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. Financial institutions generate most of their income by lending and investment activities.

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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.

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Fintech Community Regional Technology 195

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. Bernanke Bernanke, Ben S.

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America National Denver United States 78