South State Correspondent

JANUARY 10, 2024

Community banks’ use of swaps (banks’ primary tool to hedge interest rate risk on loans) has increased substantially over the last ten years. The market expects the current inverted yield curve to remain through much of 2024 (based on long-term interest rates and the expected rate cuts in 2024).

Community Bank 195

Community Bank Community National Regional 195

Jeff For Banks

MARCH 21, 2024

2024 could exceed -$2.0 DLJ 03/15/24 Dorothy Jaworski has worked at large and small banks for over 30 years; much of that time has been spent in investment portfolio management, risk management, and financial analysis. Dorothy recently retired from Penn Community Bank where she worked since 2004.

Marketing 148

Marketing Policies Report Atlanta 148

Independent Banker

DECEMBER 31, 2022

While the pace of bank regulatory changes has diminished from a few years ago, several issues will either become effective or likely develop in 2023. Community banks must continue to stay focused on regulatory discussions and remain nimble to respond to proposals and address requirements quickly and accurately. Evolving risks.

Compliance 100

Compliance FDIC Community Bank Community 100

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. In this article, we partner with Gartner to look at 2024 key IT metrics and provide strategic insight into how much your bank should be spending on IT. Usually, a bank spends about 8% of its revenue on IT.

Capital 195

Capital Operations Customer Experience Comparison 195

Jeff For Banks

NOVEMBER 3, 2023

And looking ahead to the 2024 Presidential Election, they clearly would want to be on the sidelines. Risks to the Economy We were growing real GDP 2.1% Dorothy has been with Penn Community Bank and its predecessor since November, 2004. Fed Chairman Powell stated “You know restrictive only when you see it.”

Marketing 87

Marketing Community Bank Policies Community 87

Abrigo

APRIL 22, 2024

The Fed’s latest Small Business Credit Survey , conducted in 2023 and released in 2024, found that nearly 60% of employer firms had sought financing in the previous 12 months. As a share of their total assets, community banks have more business loans below $1 million than larger banks, according to the St.

Lending 195

Lending St. Louis Community Marketing 195

Jeff For Banks

MARCH 5, 2022

Investors have seen this movie before and are fearful of recession in 2023 or 2024. DJ 02/19/22 Dorothy Jaworski has worked at large and small banks for over 30 years; much of that time has been spent in investment portfolio management, risk management, and financial analysis. Credit spreads have begun to widen.

Marketing 78

Marketing Policies Community Bank Community 78