CFPB Monitor

AUGUST 13, 2020

The article begins with a discussion of a 1972 report issued by the National Commission on Consumer Finance (NCCF). The NCCF was established by the Consumer Credit Protection Act of 1968) to study consumer credit markets and recommend improvements in consumer credit regulations. A $594 loan required a 103.54

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Study Survey National Analysis 148

Abrigo

JULY 20, 2021

From leveraging PPP technology to building relationships, reasons for boosting SBA lending are numerous. . Would you like others articles like this in your inbox? Takeaway 1 SBA lending can expand your product offerings to help win deals with prospects and existing business customers or members. Why SBA Lending?

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Lending FDIC Capital Risk Management 195

South State Correspondent

FEBRUARY 27, 2022

In our article last week ( HERE ), we discussed how the yield curve is currently flat between the three and 20-year points. Current Risk in Term Lending. The market expects the FOMC to raise short-term rates over six times in the next 12 months and the Fed Funds rate to reach over 1.60% by February of 2023. Current ARC Pricing.

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Lending Community Bank Community Meeting 195

PYMNTS

MARCH 26, 2019

In 2015, news outlets ran articles about the “ gold mine ” of venture capital investments in the alternative finance sector. But there is evidence that investors’ appetite for alternative lending startups is on the wane, even as overall FinTech funding continues to climb — and as the success of the alternative lending market grows, too.

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Lending Capital Fintech Security 190

South State Correspondent

JULY 17, 2022

The swap rate is determined by the markets’ expectation of where short-term rates will be over the swap’s life. A similar concept applies in the Treasury market – the yield on the 10-year Treasury is the markets’ average expectation of the yield on the next 40 consecutive three-month Treasury Bill yields.

Lending 195

Lending Marketing Examples Policies 195

Abrigo

JULY 2, 2019

The following article is based on the whitepaper, The Ag Lender’s Survival Guide by Rob Newberry, SVP of Credit Risk Services at Abrigo. Assigning credit risk is tricky with ag lending since both environment and economic factors carry significant weight. The post How to Mitigate Ag Lending Risks appeared first on Abrigo.

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Lending How To Strategy Trends 150

South State Correspondent

JANUARY 17, 2024

In our last article ( HERE ), we highlighted the methodology around why banks should calculate and drive value through customer profitability and product profitability. In this article, we wanted a different approach to arrive at the same conclusion but in a slightly different context. The answer is – most likely.

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Study Maine Analytics Capital 195

Abrigo

MAY 15, 2020

Furthermore, the FAQ clarifies that the loans were not intended for companies with access to equity in the market. Stay up-to-date on the latest updates to PPP loans and guidance by visiting Abrigo's PPP Lending Resource page. Kylee Wooten, content and media relations manager, contributed to this article. . SBA Lending.

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Lending Rhode Island Fraud Los Angeles 195

Abrigo

OCTOBER 17, 2023

This article describes recent comments by financial regulators about managing change. Change management equips these institutions with the tools to adapt swiftly and effectively to these changes, ensuring they stay ahead in the competitive market.

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Management Lending Risk Management Strategy 195

South State Correspondent

NOVEMBER 18, 2019

NEW PRODUCT DEVELOPMENT In past articles, we have talked at length about using agile methodology for application development, for technical product innovation, and for your risk processes.

Lending 170

Lending Innovation Marketing 170

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.

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Marketing Regional National Nashville 195

Abrigo

APRIL 22, 2024

Recent dynamics of the small business lending market A deep understanding of the small business lending landscape and potential efficiencies can help banks and credit unions grow their portfolios. You might also like this guide for smarter, faster small business lending.

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Lending St. Louis Community Marketing 243

Gonzobanker

MARCH 23, 2022

Over time, the market for metaverse real estate could evolve in a similar way as the real estate market in the analog world. In time, the virtual real estate market could start seeing services much like in the physical world, including credit, mortgages, and rental agreements.” Enabling the Gaming Ecosystem.

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Lending Fintech blockchain Video 103

South State Correspondent

APRIL 9, 2024

Changes in Market Expectations: Markets can move rapidly and market participants do not always clearly appreciate the impact of forward projections. For example, at the start of 2024 the market expected six interest rate cuts, while at the time of writing this article the market expects only 2.6

How To 195

How To Community Community Bank Marketing 195

South State Correspondent

JULY 10, 2023

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. A recent paper analyzed domestic banks’ use of interest rate swaps, and we will summarize their findings in this article.

Community Bank 195

Community Bank Community Tools Management 195

South State Correspondent

NOVEMBER 13, 2023

Our article last week ( HERE ) discussed the “power of three” marketing rule and how to use it for loan proposals. In this article, we provide our loan proposal generator that will help steer borrowers into optimal financing decisions. The presentation includes the bank’s desired logo.

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Tools Online Marketing Community 195

PYMNTS

JULY 28, 2017

the embattled bank, is reportedly overhauling its auto lending unit in an effort to control risk. The lending staff in the offices will be relocated to central offices in Chandler, Arizona, and Irving, Texas, noted the report. The credit underwriting staffers and salespeople will stay in the local markets with new management.

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Lending Arizona Regional Texas 100

CFPB Monitor

JANUARY 29, 2020

Unfortunately, this is an area where there is very little regulatory guidance or commentary, leaving financial institutions with the task of making guesses and judgment calls about how to use ad targeting effectively, and in a way that minimizes fair lending risks.

Lending 130

Lending social media Compliance Regulation 130

South State Correspondent

APRIL 3, 2023

In recent articles ( here and here ), we discussed why banks that take the interest rate movement risk demonstrate lower performance as measured by return on assets (ROA). The second article compared and contrasted community banks’ pay-for-risk and relationship business models.

Community Bank 195

Community Bank Community Lending Marketing 195

South State Correspondent

MARCH 5, 2024

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. These larger companies have already withstood the test of time and have survived business downturns, and the market has validated their business models.

Community Bank 195

Community Bank Community National Lending 195

South State Correspondent

MARCH 5, 2024

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. These larger companies have already withstood the test of time and have survived business downturns, and the market has validated their business models.

Community Bank 195

Community Bank Community National Lending 195

Perficient

JANUARY 24, 2023

In this online article, we defined embedded banking, rather narrowly, as when a non-financial firm offers a branded checking account to hold funds and make payments. In our next blog in this series, we will discuss embedded payments and embedded lending.

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Branding Cards Strategy US 472

Jeff For Banks

JANUARY 20, 2024

And since I have been writing industry articles and insights since 2010, clicks to my blog are a good indicator. Over the past two years I have been re-posting articles written here on LinkedIn. Prior to that I would put one or two paragraphs of the article on LinkedIn, followed by a link to Jeff4Banks.com. One can dream.

New Jersey 102

New Jersey Lending Florida Strategy 102

Abrigo

AUGUST 2, 2023

This article outlines a structured approach to ensuring management can confidently answer inquiries about the health of their CRE segments and related credit performance. The scrutiny is understandable, given financial institutions’ exposure to commercial real estate and current economic and market forces. estimates $1.45

Report 195

Report Risk Management Lending Analysis 195

South State Correspondent

MAY 3, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management. At its basic premise, FTP distributes banking profit between lending and deposits.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management. At its basic premise, FTP distributes banking profit between lending and deposits.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management. At its basic premise, FTP distributes banking profit between lending and deposits.

Lending 195

Lending Capital Management Tools 195

Abrigo

AUGUST 28, 2022

Leveraging the efficiencies gained from lending software Banks and credit unions that leverage an integrated lending and credit platform reap the benefits of a consistent, efficient and defensible lending program. Would you like other articles like this in your inbox? Lending and Credit Software. Ag Lending.

Software 195

Software Lending Philadelphia Capital 195

Abrigo

JULY 20, 2021

From leveraging PPP technology to building relationships, reasons for boosting SBA lending are numerous. . Want other articles like this on SBA loan origination in your inbox? Takeaway 2 Far fewer financial institutions regularly participate in SBA (7a) lending than the more than 5,000 that joined the PPP. . Why SBA Lending?

Lending 195

Lending FDIC Capital Risk Management 195

PYMNTS

DECEMBER 19, 2018

The bond market, on the other hand, isn’t the most likely of places for an entrepreneur to seek financing. Typically seen as a low-risk, low-rewards instrument reserved for middle-market and large enterprises, corporate bonds offer the opportunity for businesses to remain private while raising money and diversifying debt.

Marketing 134

Marketing Capital Security Trends 134

South State Correspondent

JULY 19, 2023

Our previous article discussed how the banking industry is taking advantage of interest rate swaps to offer borrowers lower rates, allowing banks to earn higher yields, generate substantial fee income, and protect deposit relationships. The market expects deposit betas to increase through 2023 and 2024.

Community Bank 195

Community Bank Community Compliance Marketing 195

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. And that means it can be a challenge to keep up with the latest trends in social media marketing. Illustration by miakievy/iStock.

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social media Trends Community Groups 224

South State Correspondent

FEBRUARY 8, 2023

In this article, we will outline the significance of the yield curve shape and what it may portend for community banks. In future articles, we will discuss how some top-performing banks are deploying strategies for deposits, loans, and risk management in the current interest rate environment. The second is the term premium theory.

Community Bank 195

Community Bank Community Risk Management Strategy 195

South State Correspondent

MAY 23, 2023

Lending is getting riskier. In this article, we look at what is happening at the state level, look at 30 common industries where credit risk is rising, and 30 industries where credit risk is the lowest. This data is critical for pricing, capital allocation, and marketing. Once again, it is time to play more defense.

Trends 195

Trends Minnesota North Dakota Arizona 195

South State Correspondent

FEBRUARY 29, 2024

This article provides an update on pricing trends driven by our Loan Command aggregated community bank data and highlights some commercial loan insights that can improve bank performance. Lower lending growth in key size categories, such as the $1 to $3M range, saw less competition so that banks could increase pricing.

Trends 195

Trends Community Bank Community United States 195

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. The market, however, expects a higher year-end Fed Funds rate at 3.65%. The market expects a 75bps increase in July, two more 50bps increases, and another 25bps increase in December 2022.

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Community Bank Policies Community Marketing 359

Abrigo

AUGUST 6, 2021

Would you like other articles like this in your inbox? Acquisitions allow organizations to spread costs across a larger asset base, recognize synergies within business lines, reduce staff, and consolidate branches in overlapping markets. Community banks are critical to ag lending and small business lending.

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Community Bank Community Kansas City Lending 195