South State Correspondent

FEBRUARY 18, 2024

We recently reviewed a loan term sheet from a national bank for a $13mm commercial real estate (CRE) loan. The bank offered a 25-year amortizing loan with a ten-year term and required the borrower to hedge its interest rate risk. The borrower was provided options on the type of hedge and when to execute.

Management 195

Management National Guidelines Capital 195

South State Correspondent

MAY 18, 2022

In two recent articles, we reviewed the banking industry’s deposit behavior with regard to cost of funding earning assets (COF) ( HERE ), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle ( HERE ).

Community Bank 195

Community Bank Community Analysis Industry 195

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.

How To 195

How To Community Bank Community FDIC 195

Jeff For Banks

MARCH 21, 2024

Our lives changed forever from this whole experience of the government’s declaration of a national emergency, leading to forced shutdowns of businesses and schools, mandated mask wearing, forcing 6-foot distances between people, travel restrictions, fear mongering with case and death counts, and forced vaccines/boosters. Here's a rant.

Marketing 146

Marketing Policies Report Atlanta 146

Gonzobanker

FEBRUARY 22, 2024

The right talent and tools can equip bankers to take advantage of opportunities in the small business market. As bankers continue to fight the deposit wars, they must move past the polite talk and build a true go-to-market plan to capture the lucrative U.S. No two markets are created equal.

Lending 78

Lending Community Bank Community Strategy 78

South State Correspondent

MARCH 21, 2023

The need for a known, reliable brand creates an excellent opportunity for community banks to help small business customers while building deposit balances. Community banks can now white label this same product to onboard and process employee retention tax credits for the bank’s small business customers AND prospects.

Taxes 195

Taxes Community Bank Community Operations 195

Abrigo

FEBRUARY 25, 2022

Among those with eased terms, 31% reported they had narrowed spreads of small business loan rates over the cost of funds, and 43% reported having narrowed spreads for large and middle-market loans. One option: marry the best of traditional and the best of new lending and commercial credit analysis approaches. PPP Proved Technology.

Lending 195

Lending St. Louis Community Survey 195

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

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).

Community Bank 195

Community Bank Community Lending Regional 195

CFPB Monitor

OCTOBER 25, 2022

Rhinebeck is a New York chartered bank with fifteen branches serving consumer and commercial customers in New York’s Hudson Valley. As a participant in the indirect auto finance market, Rhinebeck provides auto financing through auto dealers and has no direct interaction with consumers during the financing application process.

New York 78

New York Lending Community Bank Community 78

Jeff For Banks

NOVEMBER 3, 2023

Financial Markets & Economic Update - Fourth Quarter 2023 Summer Update On this warm October day, I am staring at my Bloomberg screen, still heartbroken over the Phillies Phailure. Mortgage rates are now close to 8.00%; affordability is at its lowest point since 1989, according to the National Association of Realtors. for the FHFA.

Marketing 85

Marketing Community Bank Policies Community 85

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. This cost to the bank is shown in the graph below.

Community Bank 195

Community Bank Community Capital Maine 195

PYMNTS

JUNE 18, 2018

Interestingly, while the report found that big traditional banks continue to increase their SMB lending activity, separate analysis suggests that these FIs are losing ground to their smaller competitors in the small business finance race. percent decline in shares at large banks , coinciding with a 7.8

Lending 112

Lending Community Bank Regional Community 112

PYMNTS

SEPTEMBER 26, 2019

Take the legal hemp and marijuana market, for example. According to the publication, the passage of SAFE won’t necessarily mean big banks will suddenly step in to service these small businesses; rather, reports said, it’s likely to result in “more community banks and credit unions deciding to serve marijuana businesses.

Lending 108

Lending Community Bank Community Fintech 108

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. The federal stimulus also drove our national debt levels to over $30 trillion, or 123.4% 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

Jeff For Banks

AUGUST 12, 2018

There are some signs of slowing in the housing markets; both existing and new home sales in June fell amidst rising mortgage rates and fewer gains in home prices. Housing has done well, despite median sales price growth which is less than national averages and lower inventories of properties for sale, which may be propping up prices.

Marketing 60

Marketing Philadelphia Omaha US 60

PYMNTS

MARCH 20, 2018

But recently, lawmakers from opposite sides of the aisle came together on an initiative aimed at helping the credit union market. The bill is expected to pass, thanks in large part to support from the Credit Union National Association and from both sides of the political aisle. Around the Credit Union World .

Millennials 110

Millennials Report Community National 110

PYMNTS

OCTOBER 1, 2018

63 percent of SMBs sought a loan for working capital needs last year , including payroll, inventory and supplies, according to new data from S&B Global Market Intelligence. It may also relate to a sluggish small business lending market for Mexico: According to Moody’s data, small businesses accounted for just 9.1

Lending 115

Lending Survey Data National 115

Independent Banker

FEBRUARY 24, 2016

Greg Steverson (left) successfully manages a $100 million institutional investment portfolio for Ledyard National Bank in Norwich, Vt. Mikella Newsom (middle) successfully manages a $325 million institutional investment portfolio for City Bank in Lubbock, Texas. Investment principles of top bank portfolio managers.

Community Bank 70

Community Bank Community Texas Management 70

Abrigo

AUGUST 5, 2020

is officially in a recession, according to the National Bureau of Economic Research. Now, banks and credit unions must determine how to safely and effectively manage risk in the portfolio while also driving growth at their institution. The first area Wear recommends bolstering is credit memo content and analysis.

Management 195

Management Risk Management Trends Industry 195

Abrigo

DECEMBER 16, 2019

Ours, who is Senior Vice President and Director of Credit Administration of Summit and its 32-location bank subsidiary, Summit Community Bank Inc., The bank has already made changes in its methodology, its loan segments, and in other areas related to CECL. Transition to CECL with confidence. Get started.

West Virginia 195

West Virginia Virginia Data Community 195

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.

Community Bank 122

Community Bank Community FDIC Marketing 122

Jeff For Banks

MAY 20, 2017

They need a marketing person to title their reports. To summarize, banking institutions exceeding the concentration levels should have in place enhanced credit risk controls, including stress testing of CRE, and may be subject to further supervisory analysis. We perform this service for dozens of community banks.

Lending 60

Lending Regulation Community Community Bank 60

NCR

MAY 9, 2017

Most community banks and credit unions have only one app, their banking transaction app. Hawaii National Bank’s Hawaii Score enables existing bank customers and non-customers the capability to access a TransUnion credit report and score without the need for a credit card or an existing account with Hawaii National Bank.

Fintech 75

Fintech Hawaii Community Bank San Francisco 75

Independent Banker

FEBRUARY 24, 2016

“I know that unnecessary regulation saps the strength of community banks.” Federal banking regulators are always alert to emerging safety and soundness issues. So our examiners will be vigilant in evaluating credit risk, and banks of all sizes should be as well. Curry, U.S. Comptroller of the currency.

Community Bank 70

Community Bank Community Regulation Compliance 70

South State Correspondent

APRIL 10, 2023

The current banking crisis has put a magnifying lens on all non-Too-Big-Too-Fail banks. While the market focuses on deposits and liquidity, media pundits and analysts are waiting for credit problems to appear. Of all the credit risks within banks, one of the largest is in commercial real estate exposure.

Community Bank 195

Community Bank Community Los Angeles Regional 195

Jeff For Banks

MARCH 27, 2015

The Credit Union National Association (CUNA), the credit union equivalent to the American Bankers'' Association (ABA), states that credit unions exist to serve members, returning earnings to members in the form of lower loan rates, higher interest on deposits, and lower fees. Clearly this remains an emotional issue. Yes, you read profits.

Analysis 60

Analysis Strategy Groups Community 60

NCR

APRIL 28, 2017

With the landscape shifting rapidly for the financial services industry – thanks to the rise of digital and changing consumer expectations – being able to provide a strong customer experience (CX) can be a key differentiator that helps banks stand out in a crowded and increasingly competitive market.

Customer Experience 91

Customer Experience Analytics Community User Experience 91

Jack Henry

JUNE 4, 2014

While it is the home of iPay Solutions, and only miles away from the National Gold Repository, we are still considered “small town USA”. How many FIs have done the same analysis of their small businesses? He whipped out an iPad and asked me if wanted my bill electronic. Did I fail to mention I live in Elizabethtown, KY?

Mobile 92

Mobile Community Bank Cards Community 92

South State Correspondent

MAY 9, 2023

Last week ( HERE ), we looked at how deposit account tiering is used, some of the objectives that banks might employ, and the effectiveness of tiering in total. As discussed last week, many banks tier without objective, without data, and without supportive marketing, thus rendering the methodology worthless and possibly hurtful.

Data 195

Data Training National System 195

Jeff For Banks

JULY 24, 2015

60% of them voted “no” in a national referendum on July 5 th and thus rejected a deal with creditors and the likely chance to stay in the Euro. Greece may have to go bankrupt, impacting the many financial institutions who own the sovereign debt of Greece and impacting the many consumers who will lose part of their deposits as banks fail.

Puerto Rico 60

Puerto Rico Community Bank Community Risk Management 60

CFPB Monitor

JUNE 29, 2016

The Independent Community Bankers of America and the Credit Union National Association have sent a letter to Director Cordray “to express serious concerns” about the CFPB’s proposed rule covering single-payment payday and auto title loans, deposit advance products, and certain high-rate installment and open-end loans.

Community Bank 68

Community Bank Community Groups Lending 68

Fintech Labs Insights

JULY 14, 2016

million investment , Austin, Texas-based Buzz Points is unveiling its new online management portal, Buzz Insight for its rewards and marketing platform. ” Buzz Insight is geared toward community financial institutions (CFIs) like credit unions and smaller banks, giving them visibility into customers and local business data.

Online 12

Online Austin Texas Community 12

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. The 2022 stress test scenarios provide a blueprint for community banks and credit unions to get started on their own stress tests.

Capital 195

Capital Regulation Risk Management Community 195

CFPB Monitor

OCTOBER 25, 2019

The panel will be moderated by Grady Hedgespeth, Assistant Director in the Bureau’s Office of Small Business Lending Markets. The panel members are: Claire Kramer-Mills, Assistant Vice President and Director of Community Development Analysis, Federal Reserve Bank of New York.

Tampa 60

Tampa Lending California Community 60

Gonzobanker

DECEMBER 22, 2015

Community bank marketing resources. Two very strong and focused community banks unite to combine big bank reach with community bank style and make the bet that it can scale to $15 billion and beyond. BTW, it’s amazing how much an impending industry funding issue can get us focused again. ‘C’mon

Community Bank 60

Community Bank Apple Community Technology 60

South State Correspondent

APRIL 15, 2024

As usual, it was full of insight that every community banker should consider. Our focus is on information that pertains to the community banking industry. This may lead to stickier inflation and higher interest rates versus market expectations. Lesson 3: Stay Community Focused Despite JPM’s enormous size (currently $4.1T

Community 195

Community Community Bank Leadership America 195