Remove Analytics Remove Community Bank Remove Lending Remove Regional
article thumbnail

If You Are Tired of Being Transactional, You Need A Hedge Program

South State Correspondent

An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks do this profitably by turning transactional accounts into relationships.

article thumbnail

If You Are Tired of Being Transactional, You Need A Hedge Program

South State Correspondent

An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks do this profitably by turning transactional accounts into relationships.

Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

article thumbnail

FinTechs Take A Regional Approach To SMB COVID-19 Relief

PYMNTS

Below, PYMNTS rounds up the latest solutions that FinTechs and lenders are developing to ease the PPP lending process for SMBs and FIs alike, with many initiatives focused on enabling regional and community banks to maintain a competitive edge against the biggest banks. Fresno First Bank. LendingTree.

Fresno 142
article thumbnail

Small banks: Big challenges and big opportunities

Abrigo

Meanwhile, leaders at small banks recognize that their institutions play a vital role in helping community businesses and individuals not only weather uncertainty but also thrive. How can community financial institution leaders manage their challenges and seize their opportunities at the same time?

article thumbnail

1Q 2023 Loan Pricing Update

South State Correspondent

2022 will go down as one of the worst years for community bank loan mispricing when viewed on a spread basis. Rapidly rising rates crushed performance as many banks held a fixed rate constant and/or booked a fixed rate loan at a misguided level. Banks had tight spreads on loans with 1.2 Multifamily is the other call-out.

Lending 195
article thumbnail

FTP – Another Bank Failure and Another Learning Opportunity

South State Correspondent

Fundamentally, FTP divides a bank’s overall NIM into two major sub-margins (one for deposits and one for asset origination). Banks can then measure the economic value obtained from each action taken separately. FTP can be extended to provide other analytical tools, as shown in the graph below.

Lending 195
article thumbnail

FTP – Another Bank Failure and Another Learning Opportunity

South State Correspondent

Fundamentally, FTP divides a bank’s overall NIM into two major sub-margins (one for deposits and one for asset origination). Banks can then measure the economic value obtained from each action taken separately. FTP can be extended to provide other analytical tools, as shown in the graph below.

Lending 195