South State Correspondent

MAY 2, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management.

Lending 195

Lending Capital Management Tools 195

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.

Community Bank 195

Community Bank Capital Training Lending 195

PYMNTS

OCTOBER 22, 2019

This developing world of payments and the fierce competition offered by non-traditional providers of financial services presents big challenges to smaller and community banks – those financial institutions (FIs) with less than $10 billion in assets. Those operations manage and own 50 percent of [U.S. Deposit Trends.

Community Bank 116

Community Bank Community Operations Leadership 116

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

Independent Banker

JANUARY 31, 2022

Here’s how four community banks are thriving in this environment. This region has the kind of energy that draws people to a place and helps them and their businesses thrive. We spoke with four community banks in the southern half of Texas to learn how they are serving this buzzing region. By Mindy Charski.

Texas 182

Texas San Antonio Community Bank Community 182

Cisco

JANUARY 10, 2023

As a change agent serving the financial services industry for over 20 years, it is a great privilege to collaborate with Bank, Insurance, and Wealth Management institutions to devise and execute digital transformation strategy, solve complex business problems, and leverage technology to strengthen business results.

Digital Strategies 174

Digital Strategies Strategy America Innovation 174

Jeff For Banks

MARCH 21, 2024

The Fed and Inflation The Fed raised rates by 5.25% between March of 2022 and July of 2023 to try to crush inflation. M2 year-over-year growth continues its unprecedented decline that began in December, 2022. trillion, following 2022’s deficit of -$1.4 ISMs and regional Fed surveys have been mostly negative for months on end.

Marketing 146

Marketing Policies Report Atlanta 146

Independent Banker

JULY 31, 2022

Following their stints as interns, Malvern Bank retained the talents of (L to R) Cody Sorenson, Keegan Wederquist and Adam Konfrst, hiring them as full-time, mid-level team members. These community banks share how they have (or haven’t) altered their hiring strategies. Total employment quit rates by region: Northeast.

Community Bank 91

Community Bank Community Iowa Louisville 91

Alex Jimenez

APRIL 7, 2024

In late 2022, as the US unemployment rate hit a nine-year high, bank executives met to discuss changes in their strategy. These banks should beware that even an organization that has innovation in their DNA, like Nike, is now having a hard time going back to their old ways. Readers should check it out.

Innovation 87

Innovation Management Strategy America 87

Independent Banker

JUNE 30, 2022

If community banks put in the effort to foster a sense of belonging, the result is a stronger workplace culture, greater employee loyalty and, ultimately, a better experience for customers. So, how can community banks build truly inclusive cultures, where everyone feels like they belong? Misti Stanton, Mercantile Bank.

Community Bank 91

Community Bank Community Leadership Millennials 91

Independent Banker

JULY 31, 2022

Fallout from recent global events presents an obstacle to generating revenue for community banks. Since COVID-19, profitability planning for community banks has mainly hinged on how the government was coping with the pandemic and the key role financial institutions played in keeping the economy afloat. By Elizabeth Judd.

Strategy 135

Strategy Community Bank Louisville Community 135

Gonzobanker

DECEMBER 17, 2021

Then right back to the impossible in 2022. Bank Deal of the Year. The merger of equals activity in 2021 was sky high, primarily because banks with pinched margins from low rates worked to grabbed scale. From nowhere, sizable regional players are being created. Bank Merger of the Year. THE BANKER AWARDS.

Fintech 147

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

Independent Banker

MARCH 31, 2022

We asked community banks how they’re dealing with the resulting shifts in their employment models. Before remote work was an emergency measure to keep employees safe from a devastating virus, it was a perk some community banks offered to retain and attract talent. One bank that is not turning back. WesBanco, Inc.

Missouri 142

Missouri Community Bank Community Management 142

Abrigo

FEBRUARY 6, 2024

Takeaway 2 Community banks may face challenges seeking reimbursement for breach of warranty claims filed with other FIs. Takeaway 3 Banks and credit unions should leverage new tools to improve check fraud prevention that can ease the burden on their staff and safeguard customers.

Fraud 221

Fraud Training Trends Regional 221

South State Correspondent

APRIL 6, 2022

For the average community bank, the cost of capital is currently hovering around 11.83%, which means banks need to produce above that amount in risk-adjusted return on capital (RAROC) to stay in business. Finally, others use this data from their state or region and get the statistics below.

Capital 195

Capital Training Management Atlanta 195

Independent Banker

NOVEMBER 30, 2021

Many hotels and other hospitality businesses haven’t fully bounced back from COVID-19 travel and safety restrictions, but community banks have been by their side through the challenges. MainStreet Bank has a sizable hotel loan portfolio with roughly $100 million in loans on 15 properties. Sushil Patel, State Bank of Texas.

Community Bank 209

Community Bank Community Texas Dallas 209

Gonzobanker

DECEMBER 14, 2023

Meanwhile, technology changes continued at a breakneck pace, with generative AI the biggest topic around management tables. Merger of Equals Deal of the Year (Bank) – Burke & Herbert Financial Services Corp. billion bank in the Mid-Atlantic region. That’s enough to send normal people into the fetal position.

Fintech 195

Fintech Community Regional Technology 195