Independent Banker

ICBA’s 2021 National Community Bank Service Award winners

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This year’s winners: Left: Central Valley Community Bank, People’s Choice Award; Middle: Kennebec Savings Bank, Exceptional Community Bank Service Award; Right: Cross River Bank, Emerging Service Program Award.

7 ways community banks can boost profitability

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Photo by Paper Boat Creative/Getty. A profitability strategy has a lot to factor in given today’s uncertain market. Here’s what community bankers need to know when planning their budgets for the next year. By Cheryl Winokur Munk. Quick stat.

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Rebeca Romero Rainey: Engaging with talent

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Photo by Robert Severi. The people we employ embody our banks, and the personal relationships our teams forge with our customers make us unique in the industry and keep our customers returning.

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The Importance of PCI Compliance and Data Ownership When Issuing Payment Cards

This eBook provides a practical explanation of the different PCI compliance approaches that payment card issuers can adopt, as well as the importance of both protecting user PII and gaining ownership and portability of their sensitive data.

Rebeca Romero Rainey: Lead with purpose

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Photo by Robert Severi. Our approach to service is not about checking something off the list for today. It’s about making incremental positive change over time. In today’s world, it’s more important than ever for businesses to lead with purpose.

Seven Reasons You Need Guided Product Selection Today

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New customers self-select the best products for their financial needs only 30 percent of the time.

Marketing Strategies to Drive Loan Volume

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These days, deposit growth is a boon for consumers and a burden for banks — we see it in the data over the last 18 months. Most demand deposits have a low cost of funds, but are prone to “flight,” especially as consumers reinvest.

Will Your 2022 Approach Be Consumer-Driven?

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As banks head into planning sessions for 2022, it has perhaps never been more important for financial institutions to invest time and resources into market studies and research. Most banks’ annual meetings will include key stats – growth (or reduction) in assets, new accounts, etc.

Lindsay LaNore: Lake rules for the workplace

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By Lindsay LaNore, ICBA. Summer is winding down, and the nights are drawing in. The kids are heading back to school, and those of us who are parents are settling into a new routine. It’s time for a return to structure, schedule, discipline—and rules.

Make Payment Optimization a Part of Your Core Payment Strategy

Everything you need to know about payment optimization – an easy-to-integrate, PCI-compliant solution that enables companies to take control of their PSPs, minimize processing costs, maximize approval rates, and keep control over their payments data.

How to navigate payments trends

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Photo by Jorg Greuel/Getty. The payments space can be dizzying for even the most enterprising community bank. How do you navigate the constant churn of innovations or disruptors? Experts point to a strategy built on customer input and relationship-building. By Colleen Morrison.

Robert Fisher: A legacy of good

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Photo by Heather Esposito. It’s our responsibility to help make our communities better places to live, to help pull people out of poverty and address issues they’re facing. When I consider what differentiates us as community bankers, I’m immediately drawn to the legacy of good we create.

Will D&I requirements change this year?

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Some lawmakers on Capitol Hill are increasingly interested in diversity and inclusion (D&I) compliance requirements for financial institutions. Here are the key areas of D&I policies and practices that community banks may need if these requirements change or become mandatory.

Rebeca Romero Rainey: Use your voice

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Photo by Robert Severi. There is a] need for strong voices to weigh in on how new regulation will affect our communities and the customers we serve. This month’s issue of Independent Banker focuses on regulation and compliance, which continue to be costly and important topics for our industry.

Reaching Unreachable Candidates

Speaker: Patrick Dempsey and Andrew Erpelding of ZoomInfo

What is ZoomInfo for Recruiters? Find and connect with the right talent to fill roles fast with more data, basic search, advanced search, candidate and company profiles, and export results. Watch this On-Demand Webinar today to see how ZoomInfo for Recruiters can work to get your talented candidates results.

Rebeca Romero Rainey: Building hope for 2021

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“After a very challenging 2020, I encourage you and your loved ones to end the year strong and fill up with hope for what 2021 may bring.”

Rebeca Romero Rainey: You make an impact

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“From your focus on people to the good that you do, you make a lasting impact, and that’s what makes you uniquely who you are.”. When I consider what I love about community banking, I get a clear visual: overlapping concentric circles with one common center.

Rebeca Romero Rainey: Striking the right balance

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“We are poised to lead the charge in striking the right balance of technology and connection for our customers and communities.”. Remember when video conference calls were a novelty? A year ago, I had a smattering of them. Now, not a day goes by without at least eight.

Rebeca Romero Rainey: Leadership is about teamwork

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“Well-executed leadership is less about marching to your own beat and more about creating a well-choreographed team play.”. Remember that childhood game follow-the-leader where one person directed, and the others walked in line?

Going to Market Smarter in the New Economy

In 2021, as companies continue to move more functions online, employees will take a more virtual -- and flexible -- mindset and lifestyle in parallel to the digitization of businesses. To succeed, you must change the way you conceive and build new products as a digital business. Download the report today to discover more!

Rebeca Romero Rainey: Address customers’ hurdles

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“Just as we responded to the PPP loan curveball, so, too, have we been there to address the additional hurdles our customers face.”. When we flip our wall calendars to October, we’re regaled by images of pumpkins, ghosts and black cats. Halloween—the ultimate holiday.

Rebeca Romero Rainey: Let’s bring people together

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“With a heart led by compassion, let’s ask ourselves a question: Who do we want to be when we grow up?”. At times in our country, true independence has arisen from points of crisis—critical moments in time that require us to listen and reflect.

Rebeca Romero Rainey: Cornerstones of the community

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“As the cornerstones of the community, community bankers offer a light in the darkness of hard times.”. September traditionally acts as “back to school” month, where, after the slower-paced dog days of summer, we settle back into our normal routines.

Rebeca Romero Rainey: A sense of connection

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“There’s an undeniable sense of connection among us, and I’ve seen how community banks have responded.”. What a different August this will be than in previous years.

The Forrester Wave™: B2B Marketing Data Providers, Q2 2021

In our 24-criterion evaluation of B2B marketing data providers, we identified the 11 most significant vendors — Data Axle, Dun & Bradstreet, Enlyft, Global Database, InsideView, Leadspace, Oracle, SMARTe, Spiceworks Ziff Davis, TechTarget, and ZoomInfo Technologies — and researched, analyzed, and scored them. This report shows how each provider measures up and helps B2B marketing professionals select the right one for their needs.

Rebeca Romero Rainey: Starting a new chapter

Independent Banker

Photo by Robert Severi. While we can’t predict what the future holds, we can continue to shape the narrative with our customers and potential customers. Recently at the dinner table, my family had a fascinating conversation about the merits of short stories versus novels.

Rebeca Romero Rainey: A world of opportunity

Independent Banker

“Today’s technology environment opens the door to a world of opportunity for community bankers.”. Welcome to Independent Banker’s ICBA LIVE 2020 issue! It’s amazing that we’re already celebrating our first convention of a new decade. As a child, the concept of the year 2020 seemed so far-fetched.

Rebeca Romero Rainey: Do today for tomorrow

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“As community bankers, making the next right choice today will ensure we have a strong, flourishing future.”. We have entered a challenging environment, to say the least.

Rebeca Romero Rainey: Focusing on our communities

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Photo by Robert Severi. Unlike our credit union counterparts, we pay taxes, and those tax dollars are spent at home to ensure our communities grow. The more things change, the more they remain the same.

4 AI Hacks to Make Sales Teams More Efficient

Over the last two years, there’s been a 76 percent increase in AI adoption across sales organizations. For sales teams, AI opens up a world of new possibilities, including automating outreach, identifying best-fit buyers, and keeping CRMs flush with fresh data. Read on to learn the four AI hacks sales teams need to improve their performance. Download the eBook today!

Rebeca Romero Rainey: We make every day better

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“Community banks work hard to ensure that every day is just a little bit better than the last.”. As community bankers, we strive for excellence.

Rebeca Romero Rainey: We resolve to support you

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“Our resolution is to continue to bring you the very best support for your prosperity, growth and success in the new year.”. As we enter a new year, we’re filled with a sense of anticipation for everything that will unfold in the coming 12 months.

Rebeca Romero Rainey: The power of our stories

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Our marketing efforts as community banks often center on the stories we tell, and they resonate because they unveil the beauty of our joint community experience. The art of storytelling began as a way to solidify cultural history and preserve details for future generations.

Rebeca Romero Rainey: Building hope for 2021

Independent Banker

“After a very challenging 2020, I encourage you and your loved ones to end the year strong and fill up with hope for what 2021 may bring.”

How to Overcome the Pain Points of Your CRM

CRM software is a powerful tool when used correctly, yet another obstacle to a sales team’s efficiency when it’s not. Leveraging research and commentary from industry analysts, this eBook explores how your sales team can get back valuable time by overcoming some pain points with your CRM, such as low adoption rates, integrations, and data quality.