Independent Banker

FEBRUARY 28, 2023

Working hand in hand with digital transformation, data provides a powerful tool for community banks. Its accessibility, readability and applicability in today’s digital-first environment has enhanced community banks’ ability to serve their customers, creating a heightened experience.

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Data How To Community Bank Community 133

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

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

Independent Banker

APRIL 30, 2022

But with so much emphasis placed on customer-facing products and technologies, innovating back-office operations can fall to the bottom of the priority list. We believe operations is the “engine” that drives every aspect of banking and, ultimately, the bottom line. Unbundle your end-to-end operations and conduct a SWOT analysis.

Innovation 91

Innovation Community Bank New York City Community 91

South State Correspondent

JANUARY 3, 2023

The graph below shows the 5-year average relationship between NIM and ROA for all banks in the country. The graph and the analysis demonstrate that no relationship exists between a bank’s NIM and performance as measured by return on assets (ROA). Market segments – A bank is a compilation of its customers.

Community Bank 221

Community Bank Community Data Marketing 221

South State Correspondent

FEBRUARY 18, 2024

The loan leverage ratio is 10.83 (total debt divided by net operating income (NOI)). While the loan underwriting is squarely in most banks’ policy guidelines, the loan is highly leveraged, and any increase in expenses or decrease in revenue will create credit stress for the lender and default risk for the borrower.

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Management National Guidelines Capital 195

Gonzobanker

APRIL 25, 2024

Once upon a time, First Southern Farmers, Merchants & Community Bank & Trust (or FSFMCBT, for short), a community bank in Anytown, USA, was renowned for its neighborly charm. When Calvin DoRight founded the bank in 1948, delivering exceptional customer service was his dream.

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System Training Community Bank Management 148

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?

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Management Survey Industry Community Bank 195

NCR

DECEMBER 18, 2017

Community banks are an integral part of the US banking system. In the US, a community bank is typically defined as one with assets of less than $1 billion – and for many people a local credit union or community bank is often the first choice when opting for a financial services provider.

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Community Bank Community Innovation ATM 79

South State Correspondent

NOVEMBER 14, 2022

The market is now forecasting an additional 1.25% in hikes by early next year. Lenders must recognize that banks are in the business of keeping loans and not making loans. It costs the average community bank $6k to $14k to book a new commercial loan but only about $2k to $4k to modify or amend an existing commercial loan.

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Analysis Guidelines Marketing Community Bank 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.

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Lending St. Louis Community Survey 195

Abrigo

NOVEMBER 18, 2016

In a survey of community banks and credit unions at the 2016 Sageworks Risk Management Summit, 42 percent of respondents said Commercial Real Estate, or CRE, lending was their primary focus for loan portfolio growth. This reflects a larger industry trend. For many, commercial real estate lending may be the ticket.

Community Bank 150

Community Bank Handbook Lending Risk Management 150

South State Correspondent

MARCH 6, 2023

Credits will deteriorate much faster if an economic downturn stresses net operating income (NOI). 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. debt yield ratio ($135k divided by $1.5mm).

Community Bank 195

Community Bank Community Lending Regional 195

Independent Banker

AUGUST 26, 2015

Forming new business lines—if carefully planned and considered—can be a potentially significant way for a community bank to boost revenues and profits. But just as their upsides are significant, the downsides of new propositions for community banks can create more problems than opportunities.

Operations 70

Operations Community Bank Community Management 70

Independent Banker

JUNE 30, 2022

Effects of the pandemic and other factors creating unpredictability have changed how community banks approach their credit and lending operations. These experts share nine tips and credit risk best practices to offer stability in an ever-changing market. Illustration by erhui1979/iStock. By Judith Sears.

Management 103

Management Community Bank Community Regulation 103

PYMNTS

APRIL 17, 2020

Firms will look to reassess not only how many branches they operate, but also how activities within the physical setting can be streamlined and made relevant to tech-savvy consumers. A digital-first mentality will become critical for FIs, a strategic imperative that offers smaller banks a chance to shine. Digital-First.

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Analytics Community Bank Analysis Operations 285

Jeff For Banks

FEBRUARY 12, 2024

Agreed to sell 2 branches in weak markets - 12/2020 5/25 Look how much $CFBK accomplished in just over 4 years. (2/2) Entered Indianapolis on 5/2021, a top 2 Midwest market with Columbus, another market $CFBK is in. Launched its equipment finance group - 11/2020 3. shareholder value.

Columbus 108

Columbus Indianapolis Capital Community Bank 108

Abrigo

MAY 30, 2017

One of the biggest obstacles for many community banks and credit unions with aggressive growth goals is staffing. However, growing the staff can be a real challenges for many banks and credit unions. Moreover, many community banks and credit unions are located in more rural areas.

Technology 150

Technology Community Bank Lending Community 150

PYMNTS

SEPTEMBER 26, 2019

Advanced technology is raising the stakes of how CUs should operate, with members now demanding the instant payments and slick mobile interfaces that large banks and FinTechs have made standard,” the Tracker stated. Take the legal hemp and marijuana market, for example. But it can also be in the broader small business community.

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Lending Community Bank Community Fintech 108

PYMNTS

NOVEMBER 18, 2020

But even though these FinTechs operate separate payment technologies that could compete with Visa, he said, what has become increasingly apparent from its deal list over the last several years is that globally, the perspective is shifting. “We Creating The Digital Community Bank. Building A Faster Fast Track .

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Fintech Community Community Bank Meeting 184

Jeff For Banks

FEBRUARY 17, 2021

She said: "Technological developments and financial market evolution are quickly escalating competition in the banking industry, and our approach to analyzing the competitive effects of mergers and acquisitions needs to keep pace. savings banks and savings and loan institutions) receive 50 percent weight in computing market shares.

St. Louis 78

St. Louis Analysis Community Bank Community 78

Gonzobanker

NOVEMBER 9, 2022

Investment and trust servicing work is complex and labor intensive, and many banks struggle with talent recruitment in this business, especially outside of major metropolitan areas. In addition, banks are struggling with achieving enough scale and leverage from legacy technology platforms to create adequate efficiencies.

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Management Community Bank Strategy Technology 158

Abrigo

MAY 11, 2017

If situations turn and the project is not sustainable banks need to be able to look at alternative sources of repayment to complete the project. Retail Retail is typically one of the larger segments within the commercial real estate portfolio for the average community bank.

Nashville 150

Nashville Retail Analysis United States 150

Independent Banker

DECEMBER 31, 2022

The skills needed to succeed in the workplace are changing, with companies placing greater value on soft skills like communication and leadership. In response, community banks have an opportunity to revisit hiring policies and training programs. Being a community bank, our customers are our neighbors.

Training 98

Training Community Bank Community Knowledge Base 98

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. Now we will see if the Fed can keep it from becoming “sustained,” with wage inflation from tight labor markets filtering into the prices of all goods and services. in January. 76%, the 5 year is up.40%

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Marketing Policies Community Bank Community 78

Abrigo

APRIL 7, 2022

Community banks with small asset sizes might merge with other small institutions whose branches complement one another, and larger banks may acquire smaller ones whose services fit their offerings. If your institutions are a good match, the financial analysis of an acquisition is usually straightforward.

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Compliance Policies Fraud Analysis 195

Celent Banking

JUNE 22, 2017

A more surgical analysis considering market-specific shopping trends tells a different story – and justifies the build. In retail banking, everyone knows branch footfall has been in decline along with teller transaction volumes – and everyone knows why. Source: FDIC, Celent analysis.

Study 125

Study Community Bank Trends Analysis 125

Abrigo

APRIL 15, 2022

ALM & Measuring Liquidity Risk at Banks and Credit Unions Regulatory agencies expect financial institutions to manage liquidity risk using processes and systems commensurate with the complexity, risk profile, and scope of operations. What events could jeopardize our operational liquidity? Defining Liquidity.

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Management Meeting Risk Management Operations 195

Jeff For Banks

JUNE 10, 2022

He is a regular contributor to CNBC and other respected news outlets on bank stock investing. Prior to starting Mendon he worked for Tucker Anthony Capital Markets working in the banking sector, and before that worked in Structured Derivates at Chase Manhattan. Anton formed and has led Mendon Capital for over 25 years.

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Conference Taxes Strategy Community Bank 78

Jeff For Banks

JULY 8, 2017

The markets continue to roll and bond markets continue to trade in a 25 basis point range, hitting the higher end when they think the economy is strong (why else would the Fed raise rates?) Presidential Agenda I am very surprised that the markets are not having fits over the lack of progress on the presidential agenda.

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Marketing Community Bank Security Data 60

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

Abrigo

JUNE 5, 2023

In addition, even before the recent banking troubles, regulators have emphasized the financial institution’s responsibility to provide leaders with information on key areas of planning, operations, and risk management. the Community Bank Leverage Ratio (CBLR) and the minimum Tier 1 leverage ratio).

Report 195

Report Risk Management Capital Data 195

Independent Banker

FEBRUARY 24, 2016

Investment principles of top bank portfolio managers. Community bank institutional investment portfolio managers have been put through their paces the past several years. It could arguably be deemed a feat of investing prowess and market prescience to not only manage well in this market, but thrive in it.

Community Bank 70

Community Bank Community Texas Management 70

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., During the webinar, Felicity Ours, CPA, CRC, of Summit Financial Group (NASDAQ: SMMF), a $2.2 Transition to CECL with confidence. Get started. Start on CECL early.

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West Virginia Virginia Data Community 195

Gonzobanker

JULY 29, 2021

Unfortunately, mid-size and community banks are margin-dependent machines, where noninterest income only comprises 25% of operating revenue. Management teams have three major places to look for expense reductions that can offset new investments: vendor contracts, branches, and operational spending.

Resources 158

Resources Strategy Management Community Bank 158

Independent Banker

AUGUST 26, 2015

At some community banks, budgeting for technology has become a more important focus over the past several years. If the project is something that can make a bank more profitable in the short term or long term, the bank should make the purchase, whether it was budgeted for or not. State Bank and Trust Co.

Community Bank 70

Community Bank Community Management Maryland 70

Jeff For Banks

JUNE 4, 2016

Community banks are struggling to build a training curriculum to develop branch bankers of the future. Aside from moving from a transaction to an advice, sales, and service culture, they also struggle with operational training. I never claimed to be an operational wizard. Some banks still do this. Community banks.

Training 60

Training Community Bank Community Operations 60