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

MARCH 6, 2023

In an article last week ( HERE ), we discussed why real estate loans underwritten at common debt service coverage ratio (DSCR) and loan-to-value (LTV) levels may quickly become substandard credits if capitalization (cap) rates normalize, as expected because interest rates are rising. debt yield ratio ($135k divided by $1.5mm).

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South State Correspondent

JANUARY 18, 2023

In this article, while we have discussed how to sell prepayment penalties in the past, we now look at their current importance. The first is a step-down, and it is by far the most common prepayment provision used by community banks. Why Use Prepayment Penalties? For example, on a 5-year loan, the bank may charge a 5,4,3,2,1 prepayment.

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Abrigo

AUGUST 31, 2023

Naming conventions One benefit of customer-centric KYC is that it differentiates community financial institutions from larger, more impersonal banks by allowing clients to retain their individuality and build personal relationships. Members of Amish or sovereign citizen communities often have fewer government-issued IDs.

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South State Correspondent

JANUARY 22, 2023

In a previous article ( here ), we discussed why commercial loan prepayment protection would be a critical return on asset (ROA) driver for community banks in 2023. In this article, we will quantify the value of a prepayment provision and compare the value of a step-down to a symmetrical break-even provision.

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South State Correspondent

SEPTEMBER 20, 2023

In this article, we discuss cash management profitability and rank the most profitable industries for banks to go after. National and regional banks control 70% of the cash management market, yet most cash management customers choose their bank because of service.

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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. Many community banks will market their fixed rate loans based on the simplicity of the prepayment provision, and this starts by understanding the value that each provision creates. Prepayment Provisions Not Penalties.

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South State Correspondent

DECEMBER 8, 2023

The need to reduce cost, the move to instant payments, and the need to deliver more unique products and services are all driving this effort at credit unions, community banks, and mid-sized banks. Healthcare and professional firms are the most common customer segments for small businesses.

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Abrigo

SEPTEMBER 10, 2021

Would you like other articles like this in your inbox? See Part I: Implications for Community Financial Institutions. October 26 is now nationally recognized as BSA/AML Day.) September 11, 2001 will stay with Americans forever. This day was a pivotal point for all Americans, especially BSA officers and FinCrime professionals.

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Abrigo

MAY 20, 2015

A recent American Banker article, “ Beyond Apple Watch: Banks Explore Apps for Other 'Things' ,” provided some additional insight to the ways in which banks, credit unions and their vendors are preparing for the day when everything is “smart” and connected online. For community banks and credit unions, this may be more of a challenge.

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South State Correspondent

JANUARY 25, 2024

This strategy is used for various reasons discussed further in this article. Forward Rate Lock Tools National lenders have been using locks for decades, and these instruments can take many forms. But this application also prevents competition from national banks after the construction and stabilization.

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Jeff For Banks

OCTOBER 4, 2014

So said John Authers in a recent Financial Times article. How long before those corporate accounting system providers strike a deal with some regional or national bank to provide seamless views to corporate customers? Banks remain centers of communities and the number one source for capital for small business.

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Jeff For Banks

MARCH 21, 2024

Our lives changed forever from this whole experience of the government’s declaration of a national emergency, leading to forced shutdowns of businesses and schools, mandated mask wearing, forcing 6-foot distances between people, travel restrictions, fear mongering with case and death counts, and forced vaccines/boosters.

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South State Correspondent

APRIL 10, 2023

This article explores the risk and what to do about it. CRE Risk Background While ten years ago, community and regional banks use to make up some 55% of the CRE market, in 2023, these banks now compose approximately 72% (below). While this article is a plea for defense, a good offense is part of that.

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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. At an 80% retention rate, Charlie Sheen would call that #winning.

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Jeff For Banks

JULY 8, 2019

Which is becoming more challenging for the community financial institution due to heavy competition from money center and super-regional banks, credit unions, and fintech firms. I don't think community financial institutions can fund themselves solely from their commercial customers. My focus today is on consumer banking.

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South State Correspondent

MAY 9, 2022

In our previous article ( HERE ), we reviewed the banking industry’s cost of funding earning assets (COF), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle. Community banks with larger percentages of DDA balances will fare better.

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Tomorrow's Transactions

NOVEMBER 16, 2014

Let’s return to Ben’s comments in a moment but first look at the concept of supra-national money — money that is not connected with national borders — through a conservative lens. I noted in an article about corruption in Afghanistan that. Remember my new tattoo, “cuius regio, emus pecunia” or “whose region, his money”?

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South State Correspondent

AUGUST 22, 2023

In this article, we detail the five steps to building a treasury management strategy, provide some tools to execute those steps, and then provide a complimentary survey to assess your strengths and weaknesses. For $6, a community bank can garner a lead that has an average of 9% probability of converting with over $33k per year in value.

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South State Correspondent

JANUARY 20, 2023

2022 will go down as one of the worst years for community bank loan mispricing when viewed on a spread basis. In this article, we provide a loan pricing update and highlight some critical areas where banks can improve. This asymmetric pricing explains why many community banks go terminal during a downturn.

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MyBankTracker

FEBRUARY 2, 2021

However: There are many exclusions, caveats, and restrictions you should be aware of on these policies as you seek to insure a property in a hurricane-prone region. Wind damage can also affect power lines and knock out power grids in an affected region for days, weeks, or even months. Related Articles. Connecticut.

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Alex Jimenez

APRIL 7, 2024

Pausing Innovation This was on my mind when reading this article about Nike’s innovation woes. In the article Matt Powell , advisor at Spurwink River and senior advisor at BCE Consulting , is quoted, “What happened with Nike, and lots of brands during the pandemic, was they made a decision to play it very safe.”

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American Banker

DECEMBER 1, 2016

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

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American Banker

NOVEMBER 18, 2016

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

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American Banker

OCTOBER 21, 2016

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

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American Banker

SEPTEMBER 2, 2016

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

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South State Correspondent

MAY 31, 2023

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. Take the time and effort to explain the backgrounds of the bankers, both personal and professional, and invite the community to establish a relationship.

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American Banker

JULY 8, 2016

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

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South State Correspondent

FEBRUARY 8, 2023

This article provides an overview of the equation and highlights our lessons learned. While national banks are getting more sophisticated, many regional banks still think of just price, giving community banks a considerable advantage. As we will soon show, price is often the least important input.

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American Banker

MAY 27, 2016

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

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American Banker

APRIL 15, 2016

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

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American Banker

APRIL 8, 2016

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

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American Banker

APRIL 1, 2016

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

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American Banker

MARCH 24, 2016

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

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American Banker

MARCH 18, 2016

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

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MyBankTracker

DECEMBER 23, 2020

And unfortunately, some policies issued in the state exclude hurricane protection for certain coastal regions. Some Texas homeowners live in flood-prone communities. You can get coverage through the National Flood Insurance Program (NFIP). Related Articles. This is especially important if you live in Texas.

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South State Correspondent

OCTOBER 28, 2022

During the two weeks, there were over a hundred significant cyberattacks by nation-states on national and regional banks that you could watch unfold in near real-time (bel0w) at Gartner and Money 20/20. Any community bank that believes it can keep up and thwart millions of attacks per second is fooling itself.

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