South State Correspondent

AUGUST 21, 2022

Last week we wrote about loan-level vs. balance sheet hedging for community banks and provided our loan proposal generator ( HERE ). We compared and contrasted the two strategies and sized the market for community banks. A community bank may transact one or only a few balance sheet hedges over many years.

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South State Correspondent

MARCH 6, 2023

We argued that community banks should favor 1.40X to 1.50X DSCR credits, as that is the minimum cash flow required to withstand a standard recession. Many national and regional banks incorporate a minimum debt yield ratio as an underwriting criterion. debt yield ratio ($135k divided by $1.5mm).

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PYMNTS

JUNE 18, 2018

Biz2Credit’s latest Small Business Lending Index found that loan approval rates at alternative lenders stagnated – and at credit unions, they actually fell. Thirty percent of small business loan applications at big banks got approved in May, according to Biz2Credit’s latest Small Business Lending Index.

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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 outlined the four main reasons why prepayment provisions increase profitability for banks. The greater fool theory breaks down in a recession.

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South State Correspondent

SEPTEMBER 20, 2023

For example, if you are a bank in California, Florida, New York, or Pennsylvania, going after private schools, colleges, or insurance companies should be considered due to not only the large number of target institutions but also the size of those institutions, which lends itself to having multiple banks.

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Abrigo

MARCH 20, 2015

Much media attention centers around which banks are most likely to fail, but what does a healthy bank look like? Based on an analysis of data from more than 6,500 banks across the country, Sageworks recently identified America’s healthiest banks by their Texas Ratios. with the lowest Texas Ratios.

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PYMNTS

MAY 3, 2018

Large banks in the U.S. are facing increasing competitive risks that threaten their position with small business (SMB) customers, according to new analysis from FIS. FIS surveyed small business bank customers in the U.S. FIS surveyed small business bank customers in the U.S. The survey found small businesses in the U.S.

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PYMNTS

JANUARY 31, 2019

is set to see its first new community bank in decades, as the Federal Deposit Insurance Corporation (FDIC) lent its approval for MOXY Bank to launch in Washington, D.C. With clearance to move forward with its plans, the community banking landscape will see its first new industry player in years.

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Independent Banker

JULY 1, 2015

Jamey Smith Citizens Bank in Kilgore, Texas. Jamey Smith forges complete partnerships for successful commercial lending. Jamey works hard to be a true partner to his customers, becoming an integral part of their team of professionals,” says Sammy York, Citizens Bank’s president and CEO. “He By Judith Sears.

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South State Correspondent

APRIL 10, 2023

CRE Risk Background While ten years ago, community and regional banks use to make up some 55% of the CRE market, in 2023, these banks now compose approximately 72% (below). The risk here is that community banks continue to take on an above-average amount of CRE credit exposure.

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Gonzobanker

APRIL 14, 2015

Looking around online, the closest competing offers I found were $300 from a couple of regional banks, but none from community banks or credit unions. I also noticed online that OnDeck was alongside Wells Fargo and Bank of America in the Top 5 search rankings for business loans.

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American Banker

AUGUST 8, 2016

Under pressure from regulators to beef up risk management in commercial real estate lending, banks are using new software tools to improve analysis.

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Big Data Risk Management Data Analysis 28

American Banker

MAY 26, 2016

Large enough to meet the needs of most customers yet small enough to escape some of the Dodd-Frank Act's most onerous compliance expenses, banks with assets of $2 billion to $10 billion are more profitable, as a group, than their smaller and larger counterparts, according to an analysis by Capital Performance Group.

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American Banker

DECEMBER 23, 2016

From the election's policy implications for banking to deep analysis of the Wells Fargo scandal, here are some of our favorite stories of the year. Stay tuned for Part II.

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CB Insights

MAY 15, 2019

Its also expanding its regional focus too, with a recent announcement that the labs will invest more into R&D in India. Notable projects: A blockchain mortgage lending application looks to harness the power of blockchain technology and apply it to the mortgage industry. Notable projects: Mastercard Labs partnered with Fit Pay, Inc.

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PYMNTS

AUGUST 14, 2017

That determination comes from analysis from The Wall Street Journal. The effects have been felt keenly by community banks and regional banks, said the attorney, and expenses have been onerous, even though those smaller outfits did not engage in the same risky lending and trading activities that larger firms embraced.

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Independent Banker

FEBRUARY 16, 2015

Sherrod Brown (D-Ohio), two lawmakers tapped to lead the Senate Banking Committee for their respective parties, are both independent-minded senators who hold positive views on several priority community banking issues. Richard Shelby (R-Ala.) So I would say he’s open to things we are concerned about.”.

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