Abrigo

APRIL 22, 2024

Recent dynamics of the small business lending market A deep understanding of the small business lending landscape and potential efficiencies can help banks and credit unions grow their portfolios. You might also like this guide for smarter, faster small business lending.

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Lending St. Louis Community Marketing 244

South State Correspondent

JANUARY 20, 2023

ROE Targets Moved up in 2023 As was the theme for most of 2022, the target risk-adjusted return on equity increased from 15% at the start of 2022 to 24% at the beginning of 2023. The other ultra-competitive sector was owner-occupied lending backed by real estate to medical professionals. coverage as their spread was too high.

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Lending Community Bank Community Data 195

Abrigo

DECEMBER 28, 2023

Takeaway 2 Readers in 2023 were most interested in getting information about preparing for exams, learning about stress testing, and seeing how peers manage loan review. Indeed, regulators and management alike focused on these risks more and more in 2023 following the failure of Silicon Valley Bank and repeated rate hikes.

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Resources Risk Management eBook Strategy 222

Bank Innovation

DECEMBER 30, 2019

Digital lenders will continue to pursue product diversification strategies as companies expand market share in the coming years, research from S&P Global Market Intelligence concluded. Digital Lending Market Report. Term loans and […].

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Lending Strategy Innovation Marketing 273

Gonzobanker

DECEMBER 14, 2023

Merger of Equals Deal of the Year (Credit Union) – Spire Credit Union and Hiway Credit Union put 2+2 together to make a $4 billion institution in the Minnesota market. While Huntington is down like most bank stocks, the pain hasn’t been as severe, and Huntington doubled down on local markets in 2023 by consolidating business units.

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South State Correspondent

AUGUST 15, 2023

Since our last update on 2Q credit HERE , 3Q commercial loan pricing trends start with a better economic picture as higher than-planned growth and softer inflationary data have changed part of the market’s outlook. Regarding loan growth, lending continues to be at the slowest pace since 2008. Total industry loans grew 5.1%

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Trends Community Bank Community Lending 195

Abrigo

MARCH 31, 2023

You might also like this webinar: "CECL implementation FAQs: Progress as 2023 approaches" listen Takeaway 1 The National Credit Union Administration emphasized interest rate, liquidity, and credit risk as main concerns. Takeaway 2 Credit unions may still have questions about regulatory expectations for CECL after adopting the new standard.

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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. While the current growth rate needs to be left to each bank based on their capital cost, market, and risk tolerance, the general guide is that growth should be in the 3% to 5% range for this year.

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Community Bank Capital Lending Training 195

Abrigo

JULY 25, 2022

Strong demand is a factor in the ag lending outlook ahead Ag lenders can begin taking steps to ensure they are prepared and can provide positive customer or member experiences. Takeaway 2 Ag sector receipts are expected to increase, but so are input costs, so loan demand could pick up by 2023. . Farmers expect worse in 2023.

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Lending Kansas City Kansas Resources 195

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.

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Trends Cards Capital Data 195

Jeff For Banks

JANUARY 20, 2024

In fact, the most read of 2023 was from 2013, ten years prior. Here were the top three most read articles of 2023: Loan Pricing: Must It Be So Complicated URL: Jeff For Banks: Loan Pricing: Must It Be So Complicated? But the number of clicks is directionally correct on what most interests readers. One can dream. Or It Will End You.

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New Jersey Lending Florida Strategy 96

South State Correspondent

JUNE 13, 2023

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. No one can time the market when purchasing a stock or locking in financing costs – the market is too efficient and unpredictable.

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Marketing Examples Capital Management 195

Abrigo

FEBRUARY 14, 2024

Find commercial real estate risks in the loan portfolio Sound risk management practices in commercial real estate lending help lenders manage CRE credit losses and protect the portfolio's profitability. LISTEN Takeaway 1 Effective CRE risk management involves adapting to changing market fundamentals to avoid excessive loan losses.

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Risk Management Management Lending Capital 195

FICO

FEBRUARY 27, 2023

Home Blog FICO Meet The 2023 FICO Decisions Awards Winners! In 2023, we have 15 winners across 10 award categories representing companies from every corner of the globe. There was plenty of creativity and moxy in the approaches, business models and technologies deployed by the class of 2023.

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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.

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Community Bank Community Capital Maine 195

South State Correspondent

SEPTEMBER 20, 2022

Last week, the American Banking Association (ABA) held its annual Bank Marketing Conference in Denver, receiving rave reviews. The theme was – developing your marketing superpowers. Amid the brewery networking, superhero costumes, and fun, some fantastic bank marketing lessons were had, and not just for bank marketers.

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Conference Marketing social media Data 195

Independent Banker

DECEMBER 31, 2022

Following some respite in 2022, community bankers are bracing for a tougher economic landscape ahead in 2023. One of the biggest challenges is simply navigating market uncertainty related to Federal Reserve policy and the direction of the economy. We’re cautiously optimistic about 2023. Anita Drentlaw, New Market Bank.

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Community Bank Community Tampa North Carolina 91

Gonzobanker

DECEMBER 7, 2023

It’s time for banks and credit unions to finally execute those C&I lending priority initiatives. Senior bank and credit union executives have ranked commercial and industrial (C&I) loans as a top lending priority over the past several years in Cornerstone Advisors’ annual What’s Going On in Banking research.

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Lending Analysis Strategy Management 136

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. It had $447 million of assets and $121 million of equity at September 30, 2023.

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Fresno North Carolina Raleigh FDIC 101

Independent Banker

APRIL 30, 2022

Loan providers share an infectious enthusiasm and growing optimism for one vertical’s prospects in 2022: commercial lending. Here’s how community bankers can take advantage of various sectors—including SBA lending—over the next 12 months. anticipates a low double-digit increase in its commercial lending in 2022. Quick Stat.

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South State Correspondent

FEBRUARY 27, 2022

ARC enables community banks to take advantage of a flat yield curve, differentiate the bank from market competitors, provide a higher level of service to better customers, and instill more relationship business – all of this leads to more loans and more profitable customers. Current Risk in Term Lending. Current ARC Pricing.

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Lending Community Bank Community Meeting 195

FICO

JANUARY 19, 2023

While UK support will continue through 2023, and possibly into 2024, we can expect to see it provided on a more targeted basis as governments face rising debt burdens as a proportion of GDP. Here are my three predictions for risk management and customer treatment in 2023. The challenge will be further exacerbated as an estimated 1.4

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Lending Strategy Analytics Data 52

CFPB Monitor

NOVEMBER 28, 2022

On November 17, 2022, the Consumer Financial Protection Bureau (“CFPB”) announced in a blog post that it is in seeking to build a new data set that “will allow for a more robust understanding of market trends” in the auto market. trillion nationally) are on pace to surpass student loans as the second-largest debt category in 2023.

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Data Marketing Lending Trends 147

Gonzobanker

AUGUST 24, 2023

High interest rates have forced many banks to pay more to retain deposits (often via brokered deposits), while many institutions have seen deposits flee to higher-yielding money market funds. Holding these assets can impact profitability because banks can’t lend those funds out or invest them at higher rates. Bond losses.

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Innovation United States Industry Technology 146

CFPB Monitor

FEBRUARY 19, 2024

In February 2023, the CFPB announced that it had issued market monitoring orders to nine large auto lenders requesting information about their auto lending portfolios. . Continue Reading

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Data Lending Management Marketing 103

CFPB Monitor

FEBRUARY 27, 2023

On February 23, 2023, the CFPB announced in a blog post that it had issued orders to nine large auto lenders requesting information about their auto lending portfolios. Continue Reading

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Lending Trends Marketing Data 148

FICO

SEPTEMBER 30, 2022

Meet Our 2023 FICO Decisions Awards Judges. FICO has announced its panel of independent judges for the 2023 FICO® Decisions Awards , which honor businesses achieving outstanding results using analytics and decision management technology to grow their business, manage risk and reduce costs. Saxon Shirley. Thu, 05/12/2022 - 10:29.

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Meeting Analytics Management Strategy 52

TheGuardian

OCTOBER 12, 2022

The number of inquiries from potential homebuyers fell for a fifth month in a row in September, while sales fell to the lowest level since May 2020 when the housing market all but ground to a halt during the early stages of the coronavirus pandemic, it said. Continue reading.

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Marketing Report Lending 93

Perficient

NOVEMBER 21, 2023

With nearly three decades of experience directing commercial lending, corporate finance, and insurance for leading brands, Perficient’s Insurance Principal, Brian Bell, stands at the forefront of our financial services practice.

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Industry Meeting Conference Maine 221

South State Correspondent

JANUARY 2, 2024

First, we believe the market to be a poor predictor of future economic states. A recent 2023 paper from the Federal Reserve Bank of St. Therefore, we can expect no more clarity in 2024 than in 2023. Bankers must be able to present the current (spot) and forward interest rate lending curve to clients.

How To 195

How To St. Louis Lending Marketing 195

Abrigo

MAY 24, 2023

Download now Takeaway 1 Under current federal law, banks and credit unions face federal prosecution and penalties if they provide services to legal marijuana-related businesses. Takeaway 2 Considering the urgent need for a legislative solution, the SAFE Banking Act of 2023 could bridge the gap between state and federal marijuana laws.

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Lending Fraud Operations Ohio 195

South State Correspondent

MAY 9, 2024

As the risk of a recession gets pushed out by the market, so does the risk of credit. Three essential credit metrics – probabilities of default (POD), POD rate of change, and POD volatility- materially increased from 2023. This data is critical for pricing, capital allocation, and marketing.

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Data Trends North Dakota Capital 195

Abrigo

DECEMBER 18, 2023

Takeaway 2 Advisors recommend that financial institutions look behind some of the headlines and examine their own markets before ruling out CRE altogether. Critical capital Should CRE lending be off the table? But understanding trends in their own portfolios and local markets can allow lenders to identify risk-appropriate CRE credits.

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Risk Management Management Lending Capital 222

South State Correspondent

APRIL 15, 2024

Last week, JPM released its 84-page 2023 shareholder letter and 364-page annual report. This may lead to stickier inflation and higher interest rates versus market expectations. World-wide remilitarization, reduced globalization, the transition to green economy may also act to keep inflation higher than the market expects.

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Community Community Bank Leadership America 195

Abrigo

DECEMBER 22, 2023

The most-read portfolio risk blogs in 2023 Probability of default, CECL model validation, and stress testing were among Abrigo's top blogs on ALM, CECL, and portfolio risk this year. Here are Abrigo’s 10 top ALM, CECL, and portfolio risk blogs in 2023. Click the header next to each number to visit the corresponding top blog post.

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Risk Management Regulation Management Lending 222

Gonzobanker

JANUARY 4, 2023

But the business goals and the measurements of success lie with the retail banking, business banking, and lending groups. That topic is one on which the CIO will lead the planning, but virtually every back-office team – operations, fraud, risk, HR, and marketing – has pieces of the overall risk plan. digital banking). Christian Lange.

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