Abrigo

JANUARY 17, 2023

Automating SMB and commercial lending elevates your customer's experience From making it easier to apply to speeding up loan closings, automation can helps make business lending customers and staff happier. APIs and digital doc prep ease the workload on your SMB and commercial lending staff, too. . Digital lending.

Lending 195

Lending System Customer Experience Case Study 195

PYMNTS

JULY 3, 2019

Large financial institutions (FIs) are increasingly turning to FinTech firms and alternative lenders to augment their small business (SMB) offerings, but community banks are beginning to get on board with the partnership strategy , too. They’re very disciplined on credit and interest rate risk,” he said.

Community Bank 116

Community Bank Community Fintech New Jersey 116

South State Correspondent

FEBRUARY 27, 2022

Booking long-term fixed-rate loans on-balance-sheet may not make sense for many banks. At SouthState, we use a program called ARC (Assumable Rate Conversion) that allows borrowers to pay a fixed rate of interest for as long as 20 years, but the bank retains a floating rate asset. Current Risk in Term Lending.

Lending 195

Lending Community Bank Community Meeting 195

Gonzobanker

FEBRUARY 22, 2024

For bankers to be successful in the small business lending market, they need to execute on several key tenets: strategy, people, process and technology. Community banks need to analyze the demographics and varied business segments to identify the growth potential of each market. No two markets are created equal.

Lending 78

Lending Community Bank Community Strategy 78

South State Correspondent

APRIL 4, 2022

While economists may use the shape of the yield curve to gauge future economic strength, bankers should be paying particular attention to the lending curve. The lending curve shows borrowers’ loan coupons for different terms. The lending curve is currently strongly determining borrowers’ demand for loan structures.

Lending 195

Lending How To Community Bank Community 195

South State Correspondent

SEPTEMBER 18, 2023

This development is very important to community banks, as their efficiency ratio also increased, but to 61.63%. The national banks have already indicated how they plan to reverse the efficiency ratio increase – through headcount reduction. What is Driving the Efficiency Ratio at Community Banks?

Management 195

Management How To Community Bank Community 195

South State Correspondent

SEPTEMBER 4, 2023

We analyzed the loan performance (return on equity, loan yield, fee income, and loan size) of hedged borrowings in a large group of community banks and compared this to the community bank industry averages. The table below shows a summary of our analysis (community banks are defined as banks under $10B in assets).

Analysis 195

Analysis Community Bank Community Training 195

Abrigo

FEBRUARY 27, 2020

Key Takeaways Financial institutions who want to maintain a healthy share of business lending this year and through potentially tougher economic times ahead want to be in the best position possible before trouble hits. Abrigo's Business Lending Readiness Survey found many processes stymie those efforts. learn more.

Lending 243

Lending Survey Data System 243

South State Correspondent

NOVEMBER 2, 2015

Last week we saw the release of the details of the Basel Committee on Banking Supervision (BCBS) rule on Fundamental Review of the Trading Book (FRTB). Started in 2012, put forth in concept in 2014 and now proposed in detail last week, the rule, should it stand, makes it largely uneconomical to securitize all sorts of lending assets.

Lending 150

Lending Community Bank Community 150

Abrigo

DECEMBER 31, 2019

Key Takeaways The most popular blog posts on the Abrigo site reflect many of the priorities community banks and credit unions had in 2019. The top lending and credit blog posts focused on improving loan pricing, creating a better experience for borrowers, and developing risk ratings. Top blog posts reflect bank, CU priorities.

Lending 150

Lending Community Bank Software System 150

South State Correspondent

NOVEMBER 29, 2023

Community banks are striving to increase loan yield and maintain their cost of funding (COF). We have created and used a novel structure to take advantage of the inverted yield curve to allow community banks to increase net interest margin (NIM) and fee income on these existing fixed-rate loans.

Community Bank 195

Community Bank Community Tools Strategy 195

South State Correspondent

JUNE 8, 2022

For decades community banks have structured fixed-rate loans with adjustable features – the most popular structure is a ten-year fixed-rate loan with a five-year reprice. With short-term interest rates expected to rise through 2022, many community banks are reconsidering their ALCO strategies.

Community Bank 195

Community Bank Community National Strategy 195

South State Correspondent

MAY 23, 2022

Customers and competitors are challenging community banks to extend loan duration – borrowers are eager to lock fixed rates before they rise further, and many competitors are happy to oblige. But what are the optimal fixed terms for community banks given today’s interest rate, credit, and liquidity environment?

Lending 195

Lending Community Bank Community Capital 195

South State Correspondent

JUNE 9, 2022

Many community banks are searching for ways to increase fee income, and many bank CEOs have concluded that fee income is a significant driver of revenue and profitability. We argue that larger banks do not have an inherent advantage over community banks in generating fee income because of their scale.

Community Bank 195

Community Bank Community Comparison Fintech 195

Independent Banker

NOVEMBER 1, 2021

Community banks who are considering entering the small business lending space are already challenged by several barriers to entry: Inefficiency of traditional loan processing. Lack of quality lending opportunities to put their deposits to work. Automate Booking. Changing regulatory guidance.

Lending 91

Lending Community Community Bank Analytics 91

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. Rapidly rising rates crushed performance as many banks held a fixed rate constant and/or booked a fixed rate loan at a misguided level. Banks had tight spreads on loans with 1.2

Lending 195

Lending Community Bank Community Data 195

South State Correspondent

APRIL 3, 2023

Empirical evidence, historical bank failures, and common sense teach us that many risks do not translate to higher yields. The second article compared and contrasted community banks’ pay-for-risk and relationship business models. Top-performing community banks deploy relationship banking.

Community Bank 195

Community Bank Community Lending Marketing 195

Jeff For Banks

MAY 9, 2024

During the prior break, I struck up a conversation with a person from Lendio , a small business lending platform, that was there to promote their white-label platform to bankers. Back in 2015, almost nine years ago, I wrote an article about banks building their own small business loan platforms. How do I calculate that ROI?

Conference 112

Conference Community Bank Community Tools 112

South State Correspondent

APRIL 18, 2023

We concluded that the market does not adequately compensate banks for credit and interest rate risks. Top-performing community banks deploy relationship banking. We define relationship banking as a model focused on a consultative banking approach. uses at our bank.

Strategy 195

Strategy Regional Industry Community Bank 195

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. We outlined the four main reasons why prepayment provisions increase profitability for banks. years, thereby increasing the ROE by 5.5% for our sample $500k loan.

Community Bank 195

Community Bank Community Capital Maine 195

South State Correspondent

SEPTEMBER 7, 2022

A common strategy for community banks, when faced with a borrower that wants a 10-year fixed rate loan, is to offer a five-year fixed rate that adjusts in five years. Historically, this has worked for some customers and banks because, over the last 40 years, five-year rates have generally fallen.

Community Bank 195

Community Bank Community Lending Maine 195

South State Correspondent

MAY 3, 2023

How FTP Changes Decision Making We were not on the board of FRB, and we did not participate in that bank’s ALM meetings, but we interact with banks that get into the same pickle by not employing FTP. In fact, we had a conversation just last week with the head of a lending division at a large regional bank.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

How FTP Changes Decision Making We were not on the board of FRB, and we did not participate in that bank’s ALM meetings, but we interact with banks that get into the same pickle by not employing FTP. In fact, we had a conversation just last week with the head of a lending division at a large regional bank.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

How FTP Changes Decision Making We were not on the board of FRB, and we did not participate in that bank’s ALM meetings, but we interact with banks that get into the same pickle by not employing FTP. In fact, we had a conversation just last week with the head of a lending division at a large regional bank.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

JANUARY 30, 2024

A typical current strategy for community banks when originating commercial real estate loans is to offer floating-rate loans or shorter-term adjustable structures. Therefore, the prepayment risk on adjustable fixed-rate loans falls squarely on the bank without compensation.

Community Bank 195

Community Bank Case Study Community Strategy 195

Jeff For Banks

APRIL 14, 2022

That's the number of books in John Maxfield's banking book library. He was curating a library for a bank, of course. He was curating a library for a bank, of course. Doesn't your bank have a bank book library? He didn't tell me the bank. Two hundred and forty three books.

America 78

America National Denver United States 78

Abrigo

APRIL 21, 2020

Key Takeaways Financial institutions have 10 calendar days to disburse PPP loans To address financial institutions’ liquidity and leverage concerns, regulators have helped to facilitate lending. To address financial institutions’ liquidity and leverage concerns, regulators have helped to facilitate lending. How to fund PPP loans.

Lending 195

Lending Capital Minnesota FDIC 195

South State Correspondent

JANUARY 4, 2023

Building out the ever-important treasury management suite, targeting deposit-rich customer segments, and creating new savings products are all examples of how banks can build deposit balances at low cost, low-rate sensitivity, and high deposit convexity. Lending Focus – Interest Rate Sensitivity and Credit Accuracy. Conclusion.

Community Bank 195

Community Bank Capital Training Lending 195

American Banker

DECEMBER 19, 2016

Smaller institutions have increased the size of their auto books in the last year, with the 25 most-active lenders reporting a nearly 7% increase. More borrower demand and a pullback by some bigger lenders are contributing to the rise.

Community Bank 28

Community Bank Community Lending Report 28

Independent Banker

JANUARY 31, 2022

Thanks to high levels of engagement, community banks are well known for having long-standing employees. If it takes weeks for an employee to book time off, make that process simpler. If you’re hiring millennials or Gen Zers, remember they want to work for organizations that give back to their communities.

Lending 91

Lending Community Millennials Training 91

Gonzobanker

FEBRUARY 8, 2022

Maybe instead of Acquire or Be Acquired, this conference should be called Evolve or Be Acquired,” observed Eric Sprink, CEO of Coastal Community Bank in Everett, Wash., and a trailblazer in the world of banking as a service (BaaS). price/book multiple. The difference could be seen in what alpha bankers bragged about.

Fintech 166

Fintech Customer Experience Conference Technology 166

South State Correspondent

APRIL 23, 2023

Hundreds of banks in the country demonstrate unrealized losses on securities and loans that represent a substantial portion of common equity, and SVB is not the most brazen example. 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

Jeff For Banks

MARCH 23, 2021

book value and 51x EBITDA, buying a bank. For 1.85x book. Especially for a community bank. Because that was what LendingClub paid for Radius Bank. It was one of my most read posts and is a chapter in my upcoming book, Squared Away (soon to be available in your favorite bookstore).

Fintech 88

Fintech Community Bank Taxes Lending 88

Jeff For Banks

APRIL 4, 2010

Community banks tout themselves as better than national and regional banks because of how close they are to their communities. But this opinion ignores the generations of history many banks across our great land have built. When the bank opened in 1905, Hallstead was already a thriving community.

Community Bank 60

Community Bank Pennsylvania National Community 60

Independent Banker

DECEMBER 31, 2022

We recently spoke with community bank CEOs from across the country to gain insights on how they’re proactively positioning to manage risks and take advantage of growth opportunities in the coming year. Following some respite in 2022, community bankers are bracing for a tougher economic landscape ahead in 2023. Koger Propst.

Community Bank 91

Community Bank Community Tampa North Carolina 91

PYMNTS

JANUARY 15, 2019

Rising interest rates helped boost results for the consumer lending business and credit cards, while perhaps predictably, the mortgage lending business slipped, off 30 percent from last year’s $24.4 Home lending was off by 8 percent from $1.4 The company said it had set aside $1.5 Deposit margins, overall, were higher at 2.55

Mobile 139

Mobile Lending Cards Community Bank 139

Independent Banker

JULY 29, 2016

Big Savings—ICBA’s Dan Clancy and Travelers’ Laura Lundin hold a big check representing the $3 million dividend paid this year to community banking participating in the ICBA-Travelers property-and-casualty insurance Preferred Service Provider program. ICBA Bancard & TCM Bank, N.A. ICBA Services Network.

Community Bank 70

Community Bank Community Compliance Lending 70