Remove Article Remove Community Bank Remove Lending Remove Taxes
article thumbnail

Top concerns and growth strategies of community banks: Part II

Abrigo

This article is the second in a two-part series on top concerns and growth strategies of community banks. Everyone in the banking industry seems to be asking the same question these days: How can we facilitate growth? banks are moving back into commercial real estate (CRE) lending as the economy continues to improve.

article thumbnail

The Risk of Interest Rate Movement in Relationship Banking

South State Correspondent

In recent articles ( here and here ), we discussed why banks that take the interest rate movement risk demonstrate lower performance as measured by return on assets (ROA). Empirical evidence, historical bank failures, and common sense teach us that many risks do not translate to higher yields.

Insiders

Sign Up for our Newsletter

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

article thumbnail

The Concentric Relationship Strategy in Banking

South State Correspondent

In recent articles ( here and here and here ), we discussed why banks that take risks to earn higher revenue demonstrate lower performance as measured by return on assets (ROA). Empirical evidence, historical bank failures, and common sense teach us that many risks do not translate to higher yields. uses at our bank.

Strategy 195
article thumbnail

Is Small Business Lending Facing a ‘Moment of Reckoning?’

Gonzobanker

Financial institutions that want to play in the small business lending sandbox need to bring their digital toys. article , former Small Business Administration administrator Karen Mills said community banks with strong small business customer bases that don’t find new ways to serve them digitally are going to face a “reckoning.”

Lending 136
article thumbnail

The Recency Trap and Building Deposit Balances

South State Correspondent

One of the lessons that was driven home at the recent American Banker Small Business Banking Conference in Nashville was the difference in marketing between large national banks and community banks, particularly deposit marketing. Many banks fall into the “recency trap.” Bank engagement is a habit.

Marketing 195
article thumbnail

The math behind small business lending: Problems & possibilities for banks & credit unions

Abrigo

Recent dynamics of the small business lending market A deep understanding of the small business lending landscape and potential efficiencies can help banks and credit unions grow their portfolios. You might also like this guide for smarter, faster small business lending.

Lending 243
article thumbnail

What's With Regulator Agita Over Bank Commercial Real Estate Lending?

Jeff For Banks

Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. We perform this service for dozens of community banks.

Lending 60