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

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

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

FEBRUARY 27, 2022

Booking long-term fixed-rate loans on-balance-sheet may not make sense for many banks. Current Risk in Term Lending. While community banks may want the ability to offer longer-term fixed-rate loans, the interest rate risk is too significant for most banks’ balance sheets. Why ARC Makes Sense.

Lending 195

Lending Community Bank Community Meeting 195

Abrigo

APRIL 14, 2020

Key Takeaways The Federal Reserve recently unveiled a new loan-purchase program, the Main Street Lending Program (MSLP) Unlike the PPP, loans provided under the MSLP are not eligible for loan forgiveness Community financial institutions play an important role in the MSLP. Eligible lenders for the MSLP include U.S.

Maine 195

Maine Lending Community Study 195

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. Popular articles about credit, lending.

Lending 150

Lending Community Bank Software System 150

Abrigo

JUNE 18, 2020

Key Takeaways The Paycheck Protection Program (PPP) has been a critical foothold for community financial institutions seeking to obtain and diversify business lending relationships. PPP opens the door for new business lending relationships.

Lending 195

Lending Strategy Resources Community 195

Independent Banker

JANUARY 31, 2022

With consumer expectations seeming to evolve faster every year, community banks could consider partnering with a fintech to keep up with technological innovation. Swashbuckling, nimble, well-funded and unapologetically entrepreneurial, fintechs are offering innovations that allow community bankers to dream big in a host of ways.

Community Bank 159

Community Bank Community Fintech Risk Management 159

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. Expand Your Pipeline View.

Lending 91

Lending Community Community Bank Analytics 91

Abrigo

SEPTEMBER 1, 2020

Now, many of the nearly 5,500 SBA-approved lenders that are participating in the PPP are weighing the option of leveraging that technology to continue to provide SBA lending after PPP. Leveraging tech for SBA lending after PPP. Or, they might wonder whether it’s too late to start 7(a) lending if they’ve never done it before the PPP.

Lending 195

Lending Risk Management Technology Survey 195

Abrigo

SEPTEMBER 1, 2020

Now, many of the nearly 5,500 SBA-approved lenders that are participating in the PPP are weighing the option of leveraging that technology to continue to provide SBA lending after PPP. Leveraging tech for SBA lending after PPP. Or, they might wonder whether it’s too late to start 7(a) lending if they’ve never done it before the PPP.

Lending 195

Lending Training Technology Survey 195

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

JUNE 12, 2020

Key Takeaways The soon-to-begin Main Street Lending Program (MSLP) aims to fulfill a need for mid-sized businesses to access relief funds amid the coronavirus pandemic. The MSLP aims to be a lifeline for businesses that may have been too big to participate in the PPP, but too small to access corporate lending facilities. learn more.

Maine 195

Maine Lending Regulation Resources 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? The Lending Curve.

Lending 195

Lending Community Bank Community Capital 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

Abrigo

AUGUST 28, 2019

Slow lending decisions and frustrating loan application processes are among borrowers’ biggest gripes with traditional financial institutions vs competitors such as online or alternative lenders. Drive faster lending decisions. Contacting a branch manager might yield insight on depositors for potential upsells for loans. Get started.

Lending 150

Lending Analysis Taxes Data 150

South State Correspondent

SEPTEMBER 18, 2023

This development is very important to community banks, as their efficiency ratio also increased, but to 61.63%. However, we believe that community banks should consider a different strategy since community banks’ much higher efficiency ratio results from a different driver.

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

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

PYMNTS

FEBRUARY 7, 2019

However, the impact of the tax reform on the small business community is not clear, particularly so soon after the reform came into effect. While FIs vowed to use those savings for a variety of measures, such as increasing small business lending, reports said lending growth has actually slowed since the implementation of the tax reform.

Taxes 122

Taxes Lending National New York 122

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 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

South State Correspondent

MAY 3, 2023

In fact, we had a conversation just last week with the head of a lending division at a large regional bank. At its basic premise, FTP distributes banking profit between lending and deposits. Conclusion Community banks should consider incorporating a simple FTP model for appropriate product pricing and incentive compensation.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

In fact, we had a conversation just last week with the head of a lending division at a large regional bank. At its basic premise, FTP distributes banking profit between lending and deposits. Conclusion Community banks should consider incorporating a simple FTP model for appropriate product pricing and incentive compensation.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

In fact, we had a conversation just last week with the head of a lending division at a large regional bank. At its basic premise, FTP distributes banking profit between lending and deposits. Conclusion Community banks should consider incorporating a simple FTP model for appropriate product pricing and incentive compensation.

Lending 195

Lending Capital Management Tools 195

Jeff For Banks

JUNE 30, 2017

That is how the book ended. Without further anticipation, here are the book's takeaways with a little editorial commentary from me: Amazon Link 1. There were ideas in the book to accomplish this that I must report to you: a) Subsidize banks to serve customers with financial instability who are not profitable.

America 60

America Report Pennsylvania Regulation 60

Abrigo

JANUARY 13, 2020

In 2020, a top focus for community financial institutions is new customer acquisition, according to the BAI Banking Outlook: Trends in 2020 survey. Book profitable loans more quickly. Matching your customers and members with products and services they need fits in with the mission of community financial institutions. Learn More.

Lending 150

Lending Study Survey Community 150

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

Abrigo

OCTOBER 28, 2020

Answer this question: Are we trying to decide what to do with the money you already have on the books, or are we trying to find ways to grow the balance sheet and going to need new funds as a result? Agency bonds which are more common in community FIs might offer us an additional 10-15 basis points and are also essentially “risk free.”

Lending 195

Lending Risk Management Management Community 195

South State Correspondent

APRIL 3, 2023

The second article compared and contrasted community banks’ pay-for-risk and relationship business models. Top-performing community banks deploy relationship banking. Many community banks state that they embrace and promote relationship banking. This is where the banks take minimal interest rate risk.

Community Bank 195

Community Bank Community Lending Marketing 195

Jeff For Banks

DECEMBER 10, 2023

I call this "pulling into the pits" in my book: Squared Away-How Can Bankers Succeed as Economic First Responders. Communities First Financial Corporation (Now FFB Bancorp) (OTCQX: FFBB) #2. Treasury as a Community Development Financial Institution (CDFI). Coastal Financial Corporation (Nasdaq: CCB) #3. The Bancorp, Inc.

Fresno 107

Fresno North Carolina Raleigh FDIC 107

South State Correspondent

APRIL 18, 2023

Top-performing community banks deploy relationship banking. Many community banks state that they embrace and promote relationship banking, but the model is not easy to deliver effectively, and its implementation is not as intuitive as some bankers may believe. Today, we look at the value of concentric relationship building.

Strategy 195

Strategy Regional Industry Community Bank 195

Abrigo

MAY 30, 2023

Final rule Effective dates & compliance dates for rule 1071 As they do with any new requirement, financial institutions want to know when the CFPB 1071 rule is effective and when they must begin collecting and reporting data on their small business lending activities. Would you like to stay up to date on CFPB 1071 implementation?

Compliance 195

Compliance Lending Data Regulation 195

Abrigo

AUGUST 9, 2019

Modernization of the Community Reinvestment Act. Dealing with change is difficult, but dealing with change when you don’t feel like you have enough time feels impossible,” says Dave Crenshaw, author of a best-selling time management book and the keynote speaker of the 2019 ThinkBIG Conference in Orlando, Fla.,

Management 150

Management Conference Lending Training 150

PYMNTS

AUGUST 20, 2020

What happens if Main Street becomes less a proving ground for smaller businesses — born of, and serving, local communities — and more a collection of larger firms, well-capitalized, but already enjoying competitive advantages? They are also too large to get funding through programs solely focused on small business lending.

Maine 218

Maine Lending Pennsylvania Boston 218

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. Sales Risk: Sales risk entails the risk of the bank not obtaining the loans that it wants or being forced to book the loans that it does not want.

Community Bank 195

Community Bank Community Lending Maine 195

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