South State Correspondent

JUNE 5, 2023

Community bank cost of funds is jumping up. As shown in the graph below, the net interest margin (NIM) for community banks declined 22bps in Q1’23. The question is – what will happen to community bank’s cost of funds from here?

Community Bank 195

Community Bank Community Industry Strategy 195

South State Correspondent

DECEMBER 13, 2023

Most market participants are focused on just one monetary policy tool available to the Fed – short-term, federal funds rates. The graph below shows the Fed’s balance sheet and projections for the middle of 2025. The graph below shows COF for the same three groups of banks. Increase product engagement and duration.

Community Bank 195

Community Bank Community Policies Tools 195

Abrigo

FEBRUARY 3, 2017

By Eric Baxley, Chief Marketing Officer, Sageworks Since my last post , I’ve continued to meet with our banks and credit union clients across the country, and some common themes surfaced in the conversations. Understand and meet the desires of millennial borrowers, who will constitute 75 percent of the workforce by 2025.

Lending 150

Lending Community Bank Meeting Community 150

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. This article explains what ISO 20022 for banks is, how it is different, and what it can do for your bank.

System 195

System Data Examples Payments 195

Abrigo

MARCH 17, 2022

Takeaway 1 The 2022 stress test scenarios released by banking regulators for DFAST institutions can help smaller banks and credit unions analyze the potential impact of adverse outcomes. Prudent stress testing as a risk management tool helps the enterprise see where the potential pitfalls are in their plans.

Capital 195

Capital Regulation Risk Management Community 195

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