South State Correspondent

APRIL 18, 2023

In recent articles ( here and here and here ), we discussed why banks that take risks to earn higher revenue demonstrate lower performance as measured by return on assets (ROA). This article shares a simple strategy a successful lender (Linda N.) Banks developing and delivering a relationship banking model can outperform the industry.

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South State Correspondent

NOVEMBER 29, 2023

Most national and regional banks allocate marketing resources to recently acquired customers to get them to build deposit balances and purchase other products, while most community banks do not. ” This article explores the recency trap and discusses how to prevent it. Many banks fall into the “recency trap.”

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The Financial Brand

JANUARY 22, 2024

This article The Great M&A Debate: Regional Bankers Argue the Need to Buy Scale in 2024 appeared first on The Financial Brand. Do regionals have to consolidate to thrive? This article The Great M&A Debate: Regional Bankers Argue the Need to Buy Scale in 2024 appeared first on The Financial Brand.

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Regional Branding Strategy Banking Trends 18

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.

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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.

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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.

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Lending Capital Management Tools 195

South State Correspondent

OCTOBER 17, 2022

In a previous article ( HERE ), we discussed the concept of Funds Transfer Pricing (FTP), why systemically important banks and large regional banks incorporate FTP, and why community banks should also consider implementing FTP. In this article, we look at using FTP attribution to better understand lending profitability.

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How To Community Bank Community Capital 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. billion in unsecured consumer lending in December, but the actual number rose by a net of £1 billion. It’s happened. The wheels for Brexit are officially in motion as U.K.

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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. Several measurable factors drive loan (and, by extension, bank) profitability, including loan size, credit quality, term, cross-sell, and upsell.

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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. Several measurable factors drive loan (and, by extension, bank) profitability, including loan size, credit quality, term, cross-sell, and upsell.

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Community Bank Community National Lending 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.

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The Financial Brand

APRIL 18, 2023

This article Earnings Watch: Uninsured Deposits & Commercial Real Estate Loans Should Be Prime Focuses appeared first on The Financial Brand. The impact of rising interest rates on commercial real estate lending will be a key issue among regionals and community banks.

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PYMNTS

JULY 31, 2017

That’s bad news for some of the largest FIs, despite a recent uptick in small business lending activity. Between top 50 global banks, regional banks and community banks, the top banks have the lowest satisfaction rating of 87 percent (compared with 90 percent for community banks and 93 percent for regional banks).

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PYMNTS

OCTOBER 6, 2017

5), Alenka Grealish, senior analyst at Celent, penned an article for American Banker with a prediction: The small business (SMB) credit space is headed for a “shake-up.” Between market consolidation and partnerships with traditional banks, alternative lending is certainly already an in-flux market. Alternative Lending.

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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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Community Bank Community Capital Maine 195

Ublocal

JUNE 5, 2023

SBA loans offer a variety of benefits, such as more flexible lending terms, and they can be a gateway to obtaining conventional financing in the future. In this article, we’ll explain everything you need to know about SBA loans and how to apply for one. Check out our recent article on “Resources For NH Women-Owned Businesses.”

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New Hampshire Vermont Resources Taxes 98

The Financial Brand

AUGUST 24, 2023

This article How Proposed Capital Rules Could Hit Credit Cards, Mortgages and More appeared first on The Financial Brand. Regional bank failures and troubles in early 2023 may bear bitter fruit for the institutions in that size class and beyond that survived.

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Abrigo

JULY 14, 2023

Would you like other articles like this in your inbox? How has the commercial real estate market performed, and how it is performing today by collateral type in your region/market? For example, your top goal for next year might be to expand your lending geographic footprint. Industry borrower data.

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Strategy Data Analytics Analysis 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. 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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Management Survey Industry Community Bank 195

FICO

OCTOBER 2, 2019

I would like to examine what I think ‘small banks’ (community banks, regional banks, and credit unions) can do to capture more market share of the small business lending market. I may use the bank for my checking and deposit bank or have previous lending experience with them. The online lending market is built for speed.

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South State Correspondent

AUGUST 21, 2022

In this article, we will discuss what community banks should look for in a hedge provider, specifically in a loan-level hedging program. Meet Competitive Pressures: National and larger regional banks are specifically targeting better borrowers for seven, ten, or 20-year fixed-rate loans. How Your Hedge Provider Can Be Relational .

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PYMNTS

APRIL 20, 2017

s Big Four banks — Barclays, HSBC, Lloyds and RBS — as FinTechs that lend and provide accounting and other financial services similarly populate the U.S., Take, for instance, SME lending. These challenger banks aren’t just disrupting the U.K.’s the EU and other landscapes across the globe. s main street banks. “The

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Compliance Innovation social media Lending 110

South State Correspondent

APRIL 27, 2022

In this article, we walk through why banks should focus on total experience (TX) and give you the ten critical factors that can catapult your bank ahead of almost every bank in the industry. Total experience is the business strategy for creating superior customer AND employee experience. You can download it HERE.

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Customer Experience eBook User Experience Policies 195

Jeff For Banks

NOVEMBER 24, 2019

Another depressed town due to the general economic malaise that bedraggled the region when the steelmaking industry moved elsewhere. Nationwide lending! Keystone expanded its lending to include high loan-to-value mortgages and home equity loans. I'm not making this up. So McConnell was comfortable in a depressed area.

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National West Virginia Virginia Pennsylvania 78

Jeff For Banks

OCTOBER 4, 2014

So said John Authers in a recent Financial Times article. Lending Club funded $5 billion in loans since its founding in 2007. How long before those corporate accounting system providers strike a deal with some regional or national bank to provide seamless views to corporate customers? And I believe him. And Quicken Loans.

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Technology Cyber Security FDIC Strategy 104

South State Correspondent

AUGUST 16, 2023

This data is consistent across regions. There are issues with Fair Lending around trying to mitigate this risk, so banks are cautioned to proceed with counsel and risk review. Home equity lines of credit (HELOCs) and bank card usage are up 24% and 17%, respectively. Unsecured personal loan usage is up 21%.

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Trends Cards Capital Data 195

Jeff For Banks

FEBRUARY 2, 2013

In fact, I would put to you that this region benefits tremendously by having nearby support systems that foster innovation. or outright balance sheet lending so long as you put a wall around the risk. I understand SVB''s location allows them to specialize in serving tech start-ups and venture capital firms. Your markets can too.

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Innovation Marketing Capital California 93

South State Correspondent

JANUARY 20, 2023

In this article, we provide a loan pricing update and highlight some critical areas where banks can improve. What ends up happening is that banks lose more of the higher quality credits to regional and national banks and then get adversely selected for the riskier credits. The result is a credit-skewed portfolio to the negative.

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Lending Community Bank Community Data 195

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). In secondary and tertiary markets, it is only smaller financial institutions lending.

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Community Bank Community Los Angeles Regional 195

Jessica Ellerm

NOVEMBER 26, 2015

Harmoney – peer to peer consumer lending. When it comes to p2p lending, New Zealand’s Harmoney leads the APAC region. Subscribe to my blog here to get new articles delivered straight to your inbox as they come off the press! Did you enjoy reading this post?

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South State Correspondent

JANUARY 25, 2024

This strategy is used for various reasons discussed further in this article. As we have discussed before ( HERE ), one common lending mistake is for lenders to hold a rate constant during underwriting. A forward rate lock allows lenders to deliver a known loan rate on future borrower financing.

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How To Community Bank Community National 195

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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social media Community Bank Regional National 28

Gonzobanker

SEPTEMBER 10, 2019

After lining up a series of regional bank and mid-large credit union signings over the past few years, Kony more recently acquired Umpqua Bank’s Pivotus Ventures to bring on Engage (in Umpqua parlance, formerly known as “BFF” and now “Go To Banking”), another non-transactional means of engagement that channels the mashup of service and sales.

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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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social media Community Bank Regional National 28

Jessica Ellerm

FEBRUARY 25, 2016

On Wednesday Australia’s Prime Minister Malcolm Turnbull and Treasurer Scott Morrison jointly announced the launch of a new fintech advisory panel, bringing together bankers and fintech leaders alike, and tasking its members with the job of making Australia the leading force in financial technology within the APAC region.

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Fintech Lending US Policies 40

Qudos Bank

MARCH 10, 2021

In this article, we’ll talk you through how to keep your Qantas Points balance healthy, how to keep your account active, and how to boost your points balance so that you can plan your next getaway. . Plus, support local producers with over 200 wine and gourmet food producers from Australia's leading wine regions.

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Taxes Cards How To Payments 40

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. A 2018 Harvard Business Review article emphasized a growing financial problem among our retail customers: they are not prepared for retirement.

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