South State Correspondent

DECEMBER 13, 2016

In a previous blog, we described what factors community bank managers might want to consider in analyzing a loan hedging program for their specific needs. In that blog, we listed the pros and cons of using a hedge to control risk and increase profitability.

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ABA Community Banking

APRIL 23, 2020

A new article in the Washington Post yesterday spotlighted the round-the-clock efforts of community banks to make Paycheck Protection Program loans with a largely remote workforce. The post Washington Post Article Spotlights Community Banks’ PPP Efforts appeared first on ABA Banking Journal.

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Abrigo

SEPTEMBER 22, 2015

Many community banks see this as a welcomed move towards offering smaller institutions some relief from the regulatory pressures of their larger, national counterparts. An article in American Banker noted that preparing call reports have become increasingly time-consuming and complex. Sound is a $500 million institution.

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The Financial Brand

FEBRUARY 28, 2024

This article Unlocking Growth: How Consolidated Analytics Can Empower Community Banks appeared first on The Financial Brand. Former community bank CFO Kim Snyder shares how consolidated analytics can help small institutions transform fragmented data into strategic assets.

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The Financial Brand

APRIL 30, 2024

This article Why Credit Unions Are Buying Community Banks Faster Than Ever appeared first on The Financial Brand. More than a quarter of the bank acquisitions in the U.S. This article Why Credit Unions Are Buying Community Banks Faster Than Ever appeared first on The Financial Brand.

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South State Correspondent

OCTOBER 4, 2023

In an article last week ( Here ), we discussed how the higher-for-longer interest rate environment will affect the community bank sector. We argued that community banks must learn to improve performance in a low-growth environment for the foreseeable future.

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The Financial Brand

APRIL 2, 2024

This article How Three Community Bank CEOs Are Tackling Tech, Talent and Deposit Challenges appeared first on The Financial Brand. Community banks find themselves at a crossroads, grappling with the dual pressures of technological advancement and shifting depositor expectations.

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The Financial Brand

MARCH 5, 2024

This article Influencer Marketing: Is the ROI Worth it for Community Banks? Big banks have already tested the waters when it comes to advertising with influencers — but there's a few considerations community banks should make before diving in. appeared first on The Financial Brand.

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South State Correspondent

MARCH 5, 2024

Several measurable factors drive loan (and, by extension, bank) profitability, including loan size, credit quality, term, cross-sell, and upsell. In this article, we will consider how and why loan size is one of the most significant drivers of profitability for community banks and what community banks can do to improve performance.

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South State Correspondent

MARCH 5, 2024

Several measurable factors drive loan (and, by extension, bank) profitability, including loan size, credit quality, term, cross-sell, and upsell. In this article, we will consider how and why loan size is one of the most significant drivers of profitability for community banks and what community banks can do to improve performance.

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The Financial Brand

SEPTEMBER 15, 2023

This article Designer of ‘Real-Time Payments’ Tackles ‘Chuck’ for Community Banks appeared first on The Financial Brand. Payment Jedi' Peter Davey hopes to take Alloy Labs consortium members where no community bank has gone before. His mission? Launch Chuck.

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South State Correspondent

MARCH 12, 2024

In a previous article ( HERE ), we discussed several factors that drive loan and bank profitability. We covered in detail how and why community banks can increase loan size to improve return on assets (ROA) /return on equity (ROE). The first factor is that commercial loan underwriting has a high upfront cost.

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South State Correspondent

MARCH 28, 2023

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

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South State Correspondent

MARCH 26, 2024

In our previous articles ( here and here and here ) we discussed some of the drivers of commercial relationship profitability. In this article, we consider and define relationship banking and how relationship banking can increase commercial loan profitability. Identifying the right customer at inception.

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The Financial Brand

OCTOBER 18, 2023

This article Marketing Emphasis Drives Loan & Deposit Growth for Community Banks: Study appeared first on The Financial Brand. As deposit pressure mounts industrywide, a study of banks with under $2 billion of assets makes a case that bigger marketing budgets can help.

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Abrigo

MARCH 9, 2015

The latest FDIC Quarterly Banking Profile was just released and the industry continues to be led by the nation’s community banks. percent of community banks were unprofitable during the quarter. However, across all banks, fourth quarter net income fell by 7.9 Community bank loan balances also rose 2.5

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Abrigo

MARCH 9, 2015

The latest FDIC Quarterly Banking Profile was just released and the industry continues to be led by the nation’s community banks. percent of community banks were unprofitable during the quarter. However, across all banks, fourth quarter net income fell by 7.9 Community bank loan balances also rose 2.5

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South State Correspondent

AUGUST 21, 2023

However, that publication, directly and indirectly, identified three discrete risks affecting community banks. We will outline what we think community bankers should glean from this publication. Risks to the Community Banking Sector Moody’s identified three risks to the banking sector, including risks to community banks.

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The Financial Brand

OCTOBER 4, 2023

This article Community Banks & Credit Unions Revive Personal Lending with Fintech Help appeared first on The Financial Brand. Offering unsecured personal loans and point-of-sale financing is uncommon for community banks and credit unions, but a fintech partnership is making it possible for a growing number of them.

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South State Correspondent

JANUARY 25, 2024

This strategy is used for various reasons discussed further in this article. Recently, larger lenders, including Bank of America, JPMorgan, Goldman Sachs, and Wells Fargo, have announced that they are seeing an elevated appetite for forward rate locks on loans for future anticipated commercial borrowings.

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South State Correspondent

SEPTEMBER 4, 2023

We analyzed the loan performance (return on equity, loan yield, fee income, and loan size) of hedged borrowings in a large group of community banks and compared this to the community bank industry averages. In this article, we provide a quantitative analysis to support this conclusion.

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South State Correspondent

JULY 10, 2023

One possible solution to this dichotomy is for banks to offer interest rate swaps to hedge individual loans. This article will review domestic banks’ adoption of interest rate swaps. Next week’s article will consider the challenges and possible solutions for community banks to adopt loan hedging programs.

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Abrigo

OCTOBER 8, 2014

This article is the first in a two-part series on top concerns and growth strategies of community banks. These are all phrases that resonate with community bankers. Data from Bank Director’s 2014 Growth Strategy Survey in August confirms that these are bankers’ greatest concerns. Blog Bank'

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Abrigo

OCTOBER 1, 2014

Today’s youth and others across all age groups are placing a significant importance on consuming local food, developing local relationships and improving local communities. This is great news for community banks. A recent American Banker article discussed why the local food movement is good for community banking.

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The Financial Brand

SEPTEMBER 14, 2023

This article Community Banks Are Missing Out on the Value of Social Media appeared first on The Financial Brand. Nearly 9 in 10 community and regional banks are active on social media, but they lag on using it for sales. Meanwhile, examiners are keeping tabs.

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The Financial Brand

OCTOBER 2, 2023

This article A Generative AI Decision-Making Guide for Community Banks and Credit Unions appeared first on The Financial Brand. This article A Generative AI Decision-Making Guide for Community Banks and Credit Unions appeared first on The Financial Brand.

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The Financial Brand

JANUARY 9, 2024

This article How Community Banks Can Entice and Recruit Software Engineers appeared first on The Financial Brand. This article How Community Banks Can Entice and Recruit Software Engineers appeared first on The Financial Brand.

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South State Correspondent

JANUARY 16, 2024

There will likely be other banks that adopted BSBY that will take similar charges. We published various articles comparing community bank alternatives to LIBOR (such as SOFR, Ameribor, Fed Funds, and Prime). Historically, community banks have hesitated to adopt derivatives for several reasons.

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The Financial Brand

JANUARY 25, 2024

This article Why It’s a Good Time for Community Banks to Hire New Talent appeared first on The Financial Brand. With thousands of employees on the hunt for new roles, layoffs can present an opportunity for smaller banks to recruit talent.

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Community Bank Community Branding 25

Abrigo

OCTOBER 9, 2014

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? Part I focused on bankers’ greatest concerns, while this section will focus on growth strategies.

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South State Correspondent

FEBRUARY 20, 2023

Community bankers need to understand their competitive landscape. Who the competition is, what the lending competition is offering, their delivery channels, and service levels can help community banks differentiate their services and enhance their competitive advantage.

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The Financial Brand

FEBRUARY 20, 2024

This article Community Banks Need a Social Media Reality Check appeared first on The Financial Brand. Smaller banks rely on social media to promote their brands — yet most of their strategies leave something to be desired.

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social media Community Bank Community Branding 18

Finer Points

JANUARY 5, 2015

I am humbled and grateful for the opportunity to kick off another year representing the nation’s community banks, an industry that has made its mark through honest dealing, community involvement and personalized customer service. Over the holidays, I read an article that reminded me just how good all of us have it who […].

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South State Correspondent

JUNE 21, 2022

This regime is now changing, and community banks need to position their lending and deposit portfolios for a period of monetary tightening. Banks that have avoided, or can reduce, their holdings of riskier assets as much as possible will outperform. Conclusion.

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South State Correspondent

MAY 18, 2022

In two recent articles, we reviewed the banking industry’s deposit behavior with regard to cost of funding earning assets (COF) ( HERE ), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle ( HERE ).

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The Financial Brand

NOVEMBER 21, 2022

This article Community Bank BaaS Provider Creates Private ‘Metaverse’ for Fintechs appeared first on The Financial Brand. Building its own interactive 3D ecosystem gives a tech-savvy community bank potential entrée to over 5 million potential customers.

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South State Correspondent

OCTOBER 9, 2023

In two articles in the past few weeks ( here and here ), we discussed how the “higher-for-longer” interest rate environment will affect the community bank sector – continued increase in the cost of funds (COF), steady yields on loans, and a decrease in net interest margin (NIM) will put severe pressure on ROE for new loan originations.

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