Article Community Bank Regional Taxes 
South State Correspondent
APRIL 18, 2023
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.
South State Correspondent
JUNE 30, 2023
Many banks pride themselves on superior customer service, and approximately 90% of all community banks believe that they provide an above-average level of customer service (the math cannot work that way). In the big picture, providing superior service across the entire bank customer base is counterproductive.
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South State Correspondent
NOVEMBER 29, 2023
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.” There is a reason for this.
South State Correspondent
MARCH 16, 2022
In this article, we focus on prepayment provisions and look at how a past gold medal winner does it. One element that many commercial banks attempt to differentiate with borrowers is the prepayment provision (or sometimes the lack of one). Prepayment Provisions Not Penalties. Step 1: There is No Prepayment Penalty on the Loan.
Jeff For Banks
JUNE 11, 2018
Won by the national banks. It is a very similar point I made in an article to soon appear in a trade publication. With all of our hubris about how great community banking is compared to national banks, we are not winning market share from them. Such as having a real estate taxes savings account.
Jeff For Banks
MARCH 21, 2024
According to a Wall Street Journal article on March 3 rd , this time has come. Trillions of dollars of subsidies on “green” BS projects, electric vehicles no one wants, tax credits, debt forgiveness, and free money all fuel demand and contribute to inflation. ISMs and regional Fed surveys have been mostly negative for months on end.
South State Correspondent
MAY 31, 2023
The concept that we allow the customer to choose how they want to bank often enables the bank to be passive in its position and give up agency. In this article, we look at cell phone tracking data for about 1,000 branches across the industry to derive insights to help banks increase branch engagement and boost branch profitability.
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