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. Net income was up almost 28% over the fourth quarter of 2013 led by higher net operating revenue and lower loan loss provisions. percent of community banks were unprofitable during the quarter.

Community Bank 150

Community Bank Community FDIC Industry 150

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. Net income was up almost 28% over the fourth quarter of 2013 led by higher net operating revenue and lower loan loss provisions. percent of community banks were unprofitable during the quarter.

Community Bank 150

Community Bank Community FDIC Industry 150

TheGuardian

DECEMBER 12, 2023

Leaders from the voluntary sector on the challenges that small organisations are increasingly facing with banking services Your recent article on the problems that charities experience with banking is timely ( Charities and churches left in financial disarray after Barclays shuts accounts, 4 December ).

Maine 89

Maine Community Operations Online 89

South State Correspondent

JANUARY 11, 2023

In a previous article ( HERE ), we analyzed industry performance and demonstrated that the average five-year net interest margin (NIM) and return on assets (ROA) are unrelated. We looked at 12 other variables for community banks (asset size $100mm to $10Bn) and measured the correlation between those variables and ROA over the past five years.

Community Bank 195

Community Bank Community Analysis Industry 195

South State Correspondent

MARCH 19, 2023

While every bank will take some level of credit, interest rate, liquidity, and operational risk, the question is this: Are banks in the business of taking risk to earn higher revenue, or are banks managing relationships and should avoid risk (and the higher return) when possible? The markets (i.e.,

Analysis 195

Analysis Community Bank Operations Community 195

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.

National 195

National Lending How To Community Bank 195

South State Correspondent

OCTOBER 18, 2023

Community banks can maximize profit and increase loan balances using innovative grid-based pricing for their commercial clients. Therefore, attracting long-term, stable, and lower COF deposits is paramount for community banks. The annual value of the total relationship is shown in the bottom box.

Community Bank 195

Community Bank Community Industry Operations 195

Abrigo

OCTOBER 9, 2014

This article is the second in a two-part series on top concerns and growth strategies of community banks. With a C&I loan, a bank could have, in one borrowing entity, several different operating companies and owners, each of which comes with its own financial story and potentially overlapping commitments.

Community Bank 236

Community Bank Strategy Community Survey 236

South State Correspondent

JULY 26, 2023

The bigger risk to community banks’ business model is not a moderate recession induced by aggressive interest rate increases by the Federal Reserve. This article will discuss community banks’ strategies and tactics to mitigate a prolonged and profoundly inverted yield curve. Yield pickup.

Community Bank 195

Community Bank Community Strategy Atlanta 195

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.

How To 195

How To Community Bank Community FDIC 195

Independent Banker

AUGUST 31, 2022

Our senior leadership team took that to heart, and it stuck with us, creating an environment in which compliance plays a significant role in everything from our strategic direction to our daily operations. Managing compliance is a role that community bankers take more seriously than any other segment of the financial services industry.

Compliance 177

Compliance Community Leadership Industry 177

Independent Banker

JULY 31, 2022

The Social Bankers, a collective of community bank marketers, offers inspiration, information and professional development advice to community bankers focused on marketing and social media. Membership is open to non-competing community bankers throughout the United States. Illustration by miakievy/iStock. By Julie Kendrick.

social media 224

social media Trends Community Groups 224

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). Banks can then calculate SVA by subtracting their cost of capital from net operating profit after tax for each client.

Resources 195

Resources Community Bank Capital Community 195

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).

Community Bank 195

Community Bank Community Lending Regional 195

Ublocal

MAY 4, 2022

Union Bank has always prioritized giving back to the communities we serve. From food shelfs and Meals on Wheels , to community health care providers and cancer research, to low & moderate-income housing projects, to performing arts and youth sports, trail organizations and more. Union Bank is a recurring supporter of NVRH.

Vermont 52

Vermont Regional Community New Hampshire 52

Independent Banker

APRIL 30, 2022

During the pandemic, many community banks needed to change how they operated. For this and other reasons, now is a good time to review and refresh articles, bylaws and committee charters to ensure resilience and bolster risk management. Photo by Alita/Stocksy. By Susan Springer. Exploring the “what ifs”.

Oregon 91

Oregon Community Bank Community Meeting 91

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. ” This article explores the recency trap and discusses how to prevent it. .”

Marketing 195

Marketing Regional National Nashville 195

PYMNTS

FEBRUARY 2, 2017

MPs overwhelmingly voted to invoke Article 50 of the Lisbon Treaty. After a two-day-long debate, Parliament voted to trigger Article 50 by a majority of 384. Business-wise, it’s a smaller community. It’s happened. The wheels for Brexit are officially in motion as U.K. s FinTech pains. On Wednesday (Feb.

Fintech 100

Fintech Comparison New York Report 100

Abrigo

SEPTEMBER 1, 2021

Would you like others articles like this in your inbox? Danielle Austin-Rios , CAMS also contributed to this article From drug cartels to street gangs, the illegal drug market has been a consistent moneymaker for drug trafficking organizations (DTOs), and there is no end or slowdown in sight. Trade-Based Money Laundering.

Training 195

Training Regulation Community Austin 195

South State Correspondent

FEBRUARY 12, 2023

In a previous article , we discussed the three generic shapes of the yield curve: normal, inverted, and flat. The average community bank’s cost of funding is highly correlated to Fed Funds and SOFR (for the industry, the correlation has been 94% with a six-month lag over the last 20 years).

Community Bank 195

Community Bank Community Case Study Strategy 195

South State Correspondent

MARCH 21, 2023

The need for a known, reliable brand creates an excellent opportunity for community banks to help small business customers while building deposit balances. This article breaks down how you can use the ERC Assist product to generate deposits in an innovative way. This will raise public and regulatory questions about ERC operations.

Taxes 195

Taxes Community Bank Community Operations 195

South State Correspondent

AUGUST 8, 2022

With 100+ public banks reporting, we have more than a representative sample to see 2Q 2022 bank earnings trends and derive some operational insights on bank performance. In this article, we put some data behind the trends and provide optimal targets to help you run your bank more successfully. Insights Based on 2Q Bank Earnings.

Trends 195

Trends Community Bank Community Retail 195

South State Correspondent

MARCH 30, 2023

While desiring to bank everyone in your community is noble, it can be a poor use of resources. Not to say you want to ignore parts of your community, but why not focus more of your resources on those industries that will make your bank more profitable?

Industry 195

Industry Resources Community Case Study 195

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. The value driver in cash management is that it is usually some sort of operating account at the bank. As such, operating accounts have low-interest rate sensitivity.

Management 195

Management Survey Industry Community Bank 195

South State Correspondent

NOVEMBER 7, 2022

In this article, we explore what signals marking your loans to market might send. Banks had enough liquidity so it didn’t really matter in terms of day-to-day operations. However, community banks hold approximately 23.5% Further, of all loans at community banks, approximately 71% are fixed-rate loans.

Marketing 195

Marketing Community Bank Community Security 195

The Financial Brand

OCTOBER 4, 2023

This article Flagstar Bank’s New Logo Is Just One Step in ‘Lifestyle Brand’ Makeover appeared first on The Financial Brand. It’s not quite 'Extreme Makeover: Bank Edition,' but Flagstar has big dreams for the rebranding that’ll unite its operations with that of New York Community and Signature.

Branding 34

Branding New York Community Operations 34

South State Correspondent

APRIL 19, 2023

In this article, we will look at deposit performance data related to high balances and show how banks can dramatically increase value by restructuring relationship-based products and better-allocating marketing/sales dollars more efficiently. This is one of the great mysteries of community banking. To register or learn more, go HERE.

How To 195

How To Examples Resources Community Bank 195

Perficient

JANUARY 28, 2021

This article was co-written by Iman Watson, senior solutions architect, and Kailey Hughes, lead development representative. You can get involved at home, at work, and in your community. See open jobs or join our talent community for career tips, job openings, company updates, and more!

Data 535

Data Security Software Community 535

Perficient

AUGUST 25, 2020

For a good primer of containers and containerization, you can see this article from Docker. The wonderful Sitecore community had invested in creating container images for previous versions of Sitecore as an open-source project. This is exciting for both developers and operations alike. What does this mean?

Technology 332

Technology Community System Security 332

Abrigo

APRIL 12, 2016

Directors overseeing a bank’s operations are important partners in supervisory efforts, the FDIC noted in the article (“A Community Bank Director’s Guide to Corporate Governance: 21st Century Reflections on the FDIC Pocket Guide for Directors.”). Poor operating results 10.

Management 150

Management FDIC Risk Management Community Bank 150

South State Correspondent

JUNE 15, 2023

However, it is doubtful you utilize a complete operating system. This article discusses using EOS in banking – the Entrepreneurial Operating Model. EOS in banking consists of the above six principles that we will summarize today and then a set of tools that we will cover in a forthcoming article. Some banks do.

Operations 195

Operations System Tools Management 195

Abrigo

JULY 27, 2023

Would you like other articles on fraud and AML/CFT compliance in your inbox? Using regtech in banking With new federal regulatory and compliance challenges like the CFPB rule on the horizon, more and more community financial institutions are exploring regtech in banking and finance. What is regtech?

Technology 195

Technology Fraud Compliance Regulation 195

Abrigo

JULY 27, 2023

Would you like other articles on fraud and AML/CFT compliance in your inbox? Using regtech in banking With new federal regulatory and compliance challenges like the CFPB rule on the horizon, more and more community financial institutions are exploring regtech for banks to enhance their processes. What is regtech?

Technology 195

Technology Fraud Compliance Regulation 195

Abrigo

MAY 5, 2022

Would you like other articles like this in your inbox? Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S. Main Street Banking: A Podcast for Community Bankers 8. And all release a new episode at least monthly. Takeaway 2 With 2.8 BankTalk 3.

Community 195

Community Lending Maine Resources 195

Abrigo

JANUARY 14, 2021

Would you like others articles like this in your inbox? Takeaway 1 This round of PPP funding focuses on new borrowers in low- and moderate-income communities. . These funds are intended for new and smaller borrowers and for borrowers in low- and moderate-income communities. PPP Fraud Spikes. Fraudsters target PPP loans.

Fraud 195

Fraud Compliance Community Trends 195

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. Many banks were looking to install more automation to lower operating costs. However, banks differed in how to get there.

Conference 195

Conference Retail Community Bank Technology 195

South State Correspondent

APRIL 23, 2023

The economic world operates in fair value measurements, and fair value measure allows managers to make more informed decisions. That will be a discussion for a future article. Consider the following in the banking industry: Banks lend on fair value today, not on the historical cost of the collateral.

Management 195

Management Security Risk Management social media 195