South State Correspondent
AUGUST 16, 2023
Even if your bank has limited consumer exposure, given that the consumer composes approximately 66% of the US economy, and, according to the yield curve and market pundits, we are all staring into a recession, paying close attention to consumer trends is critical. Volume is not expected to pick up in the second half of 2023.
South State Correspondent
MARCH 30, 2023
Almost every trade association needs a checking and savings account, a money market account, debit/credit cards (and processing), remote deposit capture, RTP/ACH/wire services, bill pay, health savings, and 401k services. Banks can combine niche marketing with our three rules around getting your deposit promotions right HERE.
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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. 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.
South State Correspondent
JUNE 13, 2023
When interest rates rise, lenders struggle to manage revenue and economic capital; when rates fall, borrowers can commonly refinance the debt at lower rates. We see borrowers trying to out-predict the market by guessing what the Fed might do, analyzing economic trends, studying graphs, or talking to friends at cocktail parties.
South State Correspondent
JANUARY 22, 2023
In a previous article ( here ), we discussed why commercial loan prepayment protection would be a critical return on asset (ROA) driver for community banks in 2023. We believe any prepayment provision is better than none, but we acknowledge that banks are challenged in the market to obtain borrower acceptance of some of these provisions.
FICO
MARCH 21, 2023
Like in years past, we also surveyed SFVegas 2023 attendees on the overall economic climate and how they use credit scores to support securitization risk management. Like in years past, we also surveyed SFVegas 2023 attendees on the overall economic climate and how they use credit scores to support securitization risk management.
Jeff For Banks
DECEMBER 10, 2023
I chose five years because banks that focus on year over year returns tend to cut strategic investments come budget time, which hurts their market position, earnings power, and future relevance more than those that make those investments. Total return includes two components: capital appreciation and dividends. The Bancorp, Inc.
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