Article Community Security Taxes 
TrustBank
AUGUST 1, 2023
The SECURE Act 2.0 If you recall, the original SECURE Act (Setting Every Community Up for Retirement Enhancement) was passed in 2019, but it needed some changes and add-on’s. The general idea of the SECURE Acts was to get people saving more for their retirement since the days of pensions are fading in the rear-view mirror.
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. In 2020, the U.S. million in value over a three-year average life.
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South State Correspondent
MAY 1, 2024
With financial hardship, competition from dominant players, and a startup budget, Gentle Monster faced many of the same challenges as a community bank. This article highlights Gentle Monster’s five-step process that might change how you look at the future. Leveraging social media, Gentle Monster started to get traction.
South State Correspondent
OCTOBER 4, 2023
In this article, we will show you 15 proven deposit marketing campaigns that will rack up deposit-gathering wins while building a high-performing bank in the process. Having to pay near SOFR rates will give you a false sense of security, cost you more in the long run, and slowly erode franchise value.
South State Correspondent
JULY 5, 2022
In this article, we analyze why 75% LTV may not protect banks from credit risk on commercial loans and why there is only one source of loan repayment. . We concluded that obligors showing less than 1.50X DSCR would be most at risk, but the average community bank underwrites to 1.20X DSCR. Background.
South State Correspondent
OCTOBER 4, 2022
In this article, we would like to share best practices of how lenders advise borrowers on planning for the future path of interest rates and how borrowers should structure their balance sheets to better manage future cash flows. As community bankers, we are foremost trusted advisors to our customers. Bankers As Trusted Professionals.
South State Correspondent
MARCH 15, 2023
This article highlights ten not-so-evident lessons of the banking crisis that every banker must consider going forward. Now, customers and analysts will pay more attention to Loans + Securities-to deposit ratio. Instead of just looking at LTD, investors, and depositors, will now look at loan plus securities to total deposits.
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