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

APRIL 9, 2024

We estimate that the average contractual loan commitment for term credit at community banks has decreased from just under five years in 2022 to just under three years currently. Community banks should carefully consider the prudence of such a strategy from both a risk and revenue perspective.

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How To Community Community Bank Marketing 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. For many, commercial real estate lending may be the ticket. This reflects a larger industry trend.

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Community Bank Handbook Lending Risk Management 150

Jeff For Banks

MAY 20, 2017

And regulators are getting anxious. and New York Community Bancorp called off their planned merger. Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. Anxiety, anxiety, anxiety. The recovery from the Great Recession is eight years running.

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Lending Regulation Community Community Bank 60

South State Correspondent

APRIL 23, 2023

Analysts, regulators, legislators, and bankers have been attributing the root cause of SVB’s failure in the past month. Some blame the dilution of the Dodd-Frank provisions, others the lack of oversight by regulators, and others still blame social media for exacerbating the deposit run.

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Abrigo

MARCH 6, 2017

Following the right people or organizations on Twitter, for example, can generate a steady stream of informative articles and news alerts. Sageworks (which is also on Twitter at @Sageworks ) has identified 15 must-follow Twitter accounts for banking professionals. It often Tweets columns tied to breaking news and statistics.

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social media Lending Community Community Bank 150

Abrigo

JULY 16, 2021

Would you like others articles like this in your inbox? Takeaway 2 Regulations haven't been written, but there are steps community financial institutions can take now to prepare. While these are general today, the AMLA requires that regulations be written around each Priority, as appropriate. BSA Rules and Regulation.

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Community Regulation Training Policies 195

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. Regulators review them to assess safety and soundness.

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Report Risk Management Capital Data 195

Abrigo

OCTOBER 23, 2014

CEIS Review , a New York-based bank consulting firm, highlights the shift in a recent article. Community banks certainly want to remain conservative with risks and follow regulations. CEIS adds that instilling a strong loan review program provides the basis for “smart lending, strategy and safe market growth.”

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Risk Management Management Lending Resources 186

Abrigo

JUNE 28, 2023

They wear many hats, especially in smaller community banks and credit unions. Would you like other articles like this in your inbox? This article describes several reports that provide financial institution boards with vital information about the fraud and AML/CFT program.

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Compliance Fraud Report Trends 195

Gonzobanker

MARCH 13, 2018

As many community banks focus on growing their commercial lending businesses, many are embarking on transformation initiatives to improve their capabilities and competitiveness. making the commercial banking experience slick, intuitive and appealing—is an important step in the transformation journey.

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Lending Technology User Experience Data 60

PYMNTS

OCTOBER 9, 2018

.” “There is no doubt that the lease accounting standards will add new complexities to a broad range of business functions, including sales, lending, contracting and financial reporting,” wrote Whitney Schiffer, CPA, in an article last week for accounting and advisory firm Berkowitz Pollack Brant.

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Community Bank Community Report Lending 153

Independent Banker

SEPTEMBER 25, 2014

As a group, community banks spend substantial funds hiring outside consultants to help with various management functions, and a substantial share of dollars are spent to help oversee their risk management and compliance activities. Federal regulators say, not always. Federal regulators say, not always. When to in-source.

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Community Bank Compliance Risk Management Community 70

FICO

OCTOBER 2, 2019

I would like to examine what I think ‘small banks’ (community banks, regional banks, and credit unions) can do to capture more market share of the small business lending market. I may use the bank for my checking and deposit bank or have previous lending experience with them.

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Lending Marketing Community Bank Online 40

Jeff For Banks

DECEMBER 16, 2022

The bank consists of two segments: 1) the traditional community bank, and 2) CCBX, which is its Banking as a Service (BaaS) division started in 2018. and Puerto Rico banking laws and regulations. Jeff Note: I make no investment recommendations in this article or this blog. Well done! #3

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Puerto Rico Virgin Islands Community Community Bank 78

FICO

APRIL 21, 2020

Banking will be different from now on, as audiences demand embedded features and more electronic services. Community banks need to take these concepts and move them into reality. Digital banking technologies are becoming more automated and less visible. On a typical day, community banks may not like the idea of startups.

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Community Bank Community Lending Fraud 75

Independent Banker

JULY 28, 2016

The demands of managing regulatory compliance are uncontested, and depending on the disposition of the participants inside and outside of the bank, compliance management exists with varying degrees of problems and adversity. Just how can your community bank do all of those things? What agency is our prudential federal regulator?

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Compliance Training Community Bank Regulation 70

South State Correspondent

APRIL 1, 2023

While banking returned to some semblance of normal, many banks continued under short-selling pressure. In this article, we recap the latest data on deposits and banking in order to give you an updated picture. As an estimate, it looks like banks sold approximately $37B in securities.

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Regulation Community Bank Community Capital 221

Jeff For Banks

DECEMBER 21, 2011

But It''s a Wonderful Life is also a testament to the importance of community financial institutions (FIs). The classic scene of the run on the Bailey Building and Loan after the 1929 stock market crash depicts the basic principals of community banking, how FIs work, and how important character plays in bank lending and community development.

Community 75

Community Community Bank Lending Regulation 75

Gonzobanker

DECEMBER 19, 2017

One word can summarize this action-packed banking year, GonzoBankers – tiring. Heavy-handed regulators. THE BANKING AWARDS. Rainbolt has quietly built a community bank in the past 20 years that is closing in on $2 billion of market cap. GonzoBanker of the Year – Large Banks. At a banking conference.

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Conference Industry Community Bank Community 101

Abrigo

MAY 8, 2024

GenAI is seeing varied use cases in banking. Takeaway 3 Regulators are closely watching expanded uses of AI and generative artificial intelligence. Harnessing benefits Generative AI use cases are increasing The excitement kicked up by generative AI, or genAI, has some banks exploring its uses.

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Examples Fraud Resources Risk Management 195

South State Correspondent

OCTOBER 28, 2022

Almost every bank and brand we spoke with will increase their investment in these two areas for 2023. This was followed by a focus on banking-as-a-service, embedded finance, open banking, Web 3.0, cyber, infrastructure, and regulation. Small Idea – Policy and Regulations are Lagging But Are Going in Banking’s Favor.

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Conference Technology Las Vegas Trends 195

American Banker

DECEMBER 1, 2016

American Banker readers share their views on the most pressing banking topics of the week. Comments are excerpted from reader response sections of AmericanBanker.com articles and our social media platforms.

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social media Community Bank Regional National 28

American Banker

MARCH 18, 2016

American Banker readers share their views on the most pressing banking topics of the week. Comments are excerpted from reader response sections of AmericanBanker.com articles and our social media platforms.

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social media Community Bank Regional National 28

Abrigo

APRIL 7, 2022

Would you like other articles like this in your inbox? Takeaway 2 Topics ranged from best practices for methodology selection to bank-specific queries about peer data. At recent Abrigo CECL Kickstart webinars, consultants demonstrated CECL implementation practices with an emphasis on the needs of community banks and credit unions.

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Policies Data Examples Lending 195

South State Correspondent

JUNE 27, 2023

It’s a way for banks to speak with each other, and it started to be phased in during the first quarter of this year with the goal of a complete conversion by 2025. While this is mostly the domain of large banks, there are three reasons why your community bank should consider adopting this language to increase future bank performance.

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System Data Examples Payments 195

Gonzobanker

MARCH 21, 2017

New regulations sidetracked us.”. Think about how far we’ve come: tired banks now just accept this BS like it’s part of doing business. The buyer might be an established core player, or it might be a lending competitor of D+H that wants a core anchor. “Offshore development challenges … yada yada yada.”. Rebuilding Trust?

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Phoenix Lending System US 60

Gonzobanker

MARCH 21, 2017

New regulations sidetracked us.”. Think about how far we’ve come: tired banks now just accept this BS like it’s part of doing business. The buyer might be an established core player, or it might be a lending competitor of D+H that wants a core anchor. “Offshore development challenges … yada yada yada.”. Rebuilding Trust?

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Phoenix Lending System US 60

Gonzobanker

DECEMBER 20, 2019

. ————————————————————————— The ‘En Vogue’ Trend of the Year – Credit unions buying community banks. Accounts that maintain an average balance of at least $10,000 get paid higher rates.

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Idaho Conference Data Marketing 148

Gonzobanker

DECEMBER 22, 2015

It’s been almost 20 years since the IPO but this team keeps delivering growth and outstanding financial performance while keeping the values of the hometown bank that started it all. Community bank marketing resources. Regulator Award. Deluxe for its article titled, “Checks Are Dead, Does This Still Count As News?”

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Community Bank Apple Community Technology 60

Gonzobanker

NOVEMBER 18, 2014

Vaynerchuk delivered our second favorite Gonzo quote of the event (keep reading for the first favorite), “The adage ‘We’re regulated’ is a scapegoat from doing cool s**t.” So, isn’t retail delivery about consumer lending? Big thanks to Terence Roche and Jim Burson for their contributions to this article.

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Chicago Retail Branch Design Training 98

William Mills

SEPTEMBER 12, 2017

Digital banking solutions for community banks and credit unions. A turnkey solution incorporating CRM, invoicing and payments into a simple solution for the business delivered through the bank’s digital banking solution. An industry leader in lending and benchmarking solutions for financial institutions.

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Samsung Mobile User Experience Google 69

South State Correspondent

JUNE 13, 2022

In this age of social media, global interconnectedness, and market volatility, banks can be one tweet torrent away from a lightning-fast onset of risk. In this article, we explore why and how banks are starting to incorporate the “velocity of risk” into their risk management practices. Optimizing Risk.

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Risk Management Examples social media Management 195

Gonzobanker

DECEMBER 20, 2018

Despite some controversy about the deal bidding structure, the point is that MB got close to $5 billion for the franchise and locked in an exchange rate before the bank equity market softened. Bank Purchase of the Year. CVB Financial acquires Community Bank. Write articles about helping people with taxes or something.”

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Fintech Conference Innovation Community 105

Gonzobanker

DECEMBER 19, 2016

The “Slo Mo” Merger Award – Goes to New York Community Bancorp for its glacial wait for approval of its proposed acquisition of Astoria Financial Corp. Maybe a regulator was out sick or on maternity leave, but this is one crawling bureaucratic nightmare. It’s funny, tongue-in-cheek and just plain different. Check it out on YouTube.

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Utah System Community Marketing 60