South State Correspondent

SEPTEMBER 20, 2023

For starters, a customer may carry large balances but not generate franchise value if those balances are all in high-paying money market accounts or are highly volatile. The value driver in cash management is that it is usually some sort of operating account at the bank. What client does the bank want and can service?

Management 195

Management Survey Industry Community Bank 195

Jeff For Banks

APRIL 4, 2024

The Fed has paused for nearly a year now, and it was our experience in 2006-07 that bank cost of funds continued to increase as the market closed the delta between what someone could earn in a money market mutual fund and a bank account. But not until $1 trillion went from banking to money markets.

Banking Trends 115

Banking Trends Trends Millennials Oregon 115

Independent Banker

FEBRUARY 28, 2022

What this has to do with community bank investment management may not be readily apparent. In March of that year, while thousands were attending ICBA LIVE in Orlando, the financial markets went into a frenzy. Belly of the curve matters to community banks. More often, the two operate independently.

Community Bank 91

Community Bank Community Memphis Security 91

Independent Banker

DECEMBER 31, 2022

We recently spoke with community bank CEOs from across the country to gain insights on how they’re proactively positioning to manage risks and take advantage of growth opportunities in the coming year. Following some respite in 2022, community bankers are bracing for a tougher economic landscape ahead in 2023. James Sills.

Community Bank 91

Community Bank Community Tampa North Carolina 91

Jeff For Banks

MARCH 5, 2022

Stock and bond market volatilities are also seeing winter squalls and are sending messages about shifting investor sentiments about risk. Investors have seen this movie before and are fearful of recession in 2023 or 2024. if the markets thought inflation would be 7% or higher, yields would already be there. in January.

Marketing 78

Marketing Policies Community Bank Community 78

South State Correspondent

JANUARY 30, 2024

We recently conducted a small sample poll, and out of 21 banks, budgets were down an average of 14% for this year. Marketing and technology (IT) are two budgets that have taken the most significant hit. For perspective, 2023 and what we expect for 2024 can be characterized as keeping up with revenue.

Capital 195

Capital Operations Customer Experience Comparison 195

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. Dynamic market Small business lending by banks & credit unions Small businesses are a pillar of the U.S.

Lending 243

Lending St. Louis Community Marketing 243

South State Correspondent

MAY 9, 2022

In our previous article ( HERE ), we reviewed the banking industry’s cost of funding earning assets (COF), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle. Second, the market has priced in interest rate risk, but it has not priced liquidity risk.

Community Bank 195

Community Bank Community Industry Online 195

South State Correspondent

JUNE 27, 2023

It’s a way for banks to speak with each other, and it started to be phased in during the first quarter of this year with the goal of a complete conversion by 2025. While this is mostly the domain of large banks, there are three reasons why your community bank should consider adopting this language to increase future bank performance.

System 195

System Data Examples Payments 195

Independent Banker

NOVEMBER 30, 2021

State Bank of Texas, led by president Sushil Patel (center), has a niche working with hospitality customers like Reena and Arun Patel, who own and operate a La Quinta hotel in Dallas. Between the [Trump] administration and Congress and the regulators, they did a terrific job of allowing banks to work with their borrowers,” says Jeff W.

Community Bank 209

Community Bank Community Texas Dallas 209

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. Expect more deals to be announced in 2024.

Fintech 195

Fintech Community Regional Technology 195