South State Correspondent

FEBRUARY 27, 2024

The reality of booking new loan business is that the winning bank has offered the lowest price or most accommodating credit structure. Objectives of Loan Pricing We believe that all national banks and most banks over $10Bn in assets (regionals) are using some version of a risk-adjusted return on capital (RAROC) loan pricing model.

How To 195

How To Community Bank Community Management 195

American Banker

JUNE 30, 2016

After years of bulking up on shared national credits, a number of regional banks are cutting back because of the heartburn from problem oil and gas loans. A few lenders are refusing to budge, but many will have no choice if they want to dilute the energy risk on their books.

National 28

National Regional Strategy Lending 28

PYMNTS

OCTOBER 7, 2019

And that’s what she essentially ended up helping to create — an online resource for discovering, researching and booking campgrounds with over 300,000 media assets. Consumers can book a stay directly from The Dyrt mobile app, iOS and Android, or on TheDyrt.com website. The Booking Experience.

Hawaii 123

Hawaii Resources Video Community 123

PYMNTS

JANUARY 29, 2018

China’s rising levels of corporate debt are in the headlines again with the nation’s banking regulator reportedly introducing to lower debt levels. The CBRC specifically wants to limit the credit available to companies that already have the most debt on their books, and to shutter those institutions it considers to be high-risk.

National 100

National Regulation New York Regional 100

South State Correspondent

JANUARY 20, 2023

Rapidly rising rates crushed performance as many banks held a fixed rate constant and/or booked a fixed rate loan at a misguided level. 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.

Lending 195

Lending Community Bank Community Data 195

Independent Banker

JANUARY 31, 2022

This region has the kind of energy that draws people to a place and helps them and their businesses thrive. That year, installations further south, in the region that includes Brownsville and Corpus Christi, supported an estimated 41,000 jobs and contributed about $4.6 Here’s how four community banks are thriving in this environment.

Texas 182

Texas San Antonio Community Bank Community 182

Jeff For Banks

DECEMBER 15, 2021

It's a sure way to have the un-empowered branch manager calling the regional manager for rate exceptions to win new money or keep money at the bank. This book was given to me by a banker, by the way. So what of that Schmidlap National Bank plan: Vision-Be the number one business bank in our markets. What's their plan?

Regional 78

Regional Management Guidelines Retail 78

PYMNTS

MAY 9, 2020

For the particularly well-prepared families, there was AAA – which, if you told them your ultimate destination, would send you “a little spiral-bound book that mapped the trip – with directions, places to stop to eat and hotel recommendations,” as one PYMNTS staff member fondly recalled of their childhood road trips. Travel Association.

Survey 238

Survey Course Data Report 238

CFPB Monitor

MARCH 12, 2019

The FTC has issued its 2018 Consumer Sentinel Network Data Book. For 2018, imposter scams top the list of reported complaint categories, accounting for 18% of the almost 3 million consumer reports summarized in the Data Book. Additionally, the Data Book provides state-by-state breakdowns and comparisons.

Nevada 74

Nevada Georgia Florida Delaware 74

PYMNTS

OCTOBER 4, 2018

After selling books in Brazil for five years, Amazon finally launched an electronics and household appliances marketplace there a year ago. Amazon has been working hard to boost its presence in the region. The only nations that see more beauty sales are the U.S., As of June, it had about 7,000 drivers registered.

Seattle 117

Seattle Regional National Branding 117

PYMNTS

JULY 4, 2018

FinTech startups and big tech may provide competition for established banks that have bad loans on the books, The European Banking Authority (EBA) said on Tuesday (July 3). The news comes as the EU’s executive is set to propose a draft law aimed at boosting the FinTech market throughout the region as the EU prepares for the U.K.’s

Fintech 105

Fintech Guidelines blockchain cryptocurrency 105

Gonzobanker

FEBRUARY 8, 2022

While the term “accretive to book value” is still the best bet for buzzword bingo at AOBA, the real talk centered around digital transformation and fintech disruption. price/book multiple. The grassroots of community and regional banking will no longer be vanilla operations geographically focused.

Fintech 166

Fintech Customer Experience Conference Technology 166

PYMNTS

NOVEMBER 17, 2019

Hoesley also previously led the midwest region for Silicon Valley Bank, and was a partner at Prism Capital, a middle-market provider of venture capital and mezzanine debt. Sterling Bancorp, of which the principal subsidiary is Sterling National Bank, offers financial services and solutions for small- to mid-sized businesses and consumers.

Groups 116

Groups Innovation Capital Leadership 116

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. A case in point: the First National Bank of Hallstead… now Peoples National Bank (see photo). The bank closed during the national bank holiday that was ordered by President Roosevelt in 1933.

Community Bank 60

Community Bank Pennsylvania National Community 60

PYMNTS

JANUARY 3, 2020

National Returns Day : The dawn of the new year heralds a spike in returns of unwanted gifts. 2 is likely to go down in the record books with a 26 percent spike in gifts sent back to retailers. Jens Weidmann, European Central Bank policymaker, has advocated that banks within the region find alternatives to Facebook’s cryptocurrency.

Retail 131

Retail Samsung National Taxes 131

Gonzobanker

DECEMBER 14, 2023

Not the financial industry’s “Troublemakers ” – those regional and community banks, credit unions and supporting fintech entrepreneurs who continue to engage customers and communities and find niches that keep the grassroots of our country’s financial system alive and kicking. billion bank in the Mid-Atlantic region.

Fintech 194

Fintech Community Regional Technology 194

Jeff For Banks

JULY 23, 2019

The next day they announced they were selling to Valley National Corp. So why did they receive 138% of book value, and 14x earnings when nearby (5 miles between headquarters) Stewardship Financial Corp. SSFN) announced their sale to Columbia Financial (MHC) for 167% of book value, 17x earnings, and a whopping 77% premium.

Branding 60

Branding Regional New York Capital 60

South State Correspondent

JANUARY 22, 2023

One of the easiest ways to increase loan profitability is to recognize (not just book) longer credits. The average expected life of a five-year loan without prepayment provisions is approximately 2.5 years, but with a meaningful prepayment provision, the expected life rises to 4.5 years, thereby increasing the ROE by 5.5%

Community Bank 195

Community Bank Community Capital Maine 195

PYMNTS

APRIL 15, 2020

There are travel agents who are helping travelers secure refunds who didn’t originally make the booking with them. “It’s been really unbelievable the amount of stress that’s put on the system. Some, the panel noted, are doing amazingly well in this regard — and going above and beyond in terms of the efforts being made.

Industry 142

Industry Security Regional Policies 142

PYMNTS

JULY 29, 2016

Uber, which has operations in greater than 60 cities in China, was happy about the news, saying in a statement that it looks forward to working with both the national and local government in the region to put the new guidelines into practice, while Didi called the rules a milestone in China’s march to develop the ridesharing industry.

Guidelines 100

Guidelines Industry Regional Operations 100

American Banker

JUNE 22, 2016

Frustrated by low yields on commercial and real estate loans, banks are finding innovative ways to beef up their consumer loan books. They are creating new business lines, teaming with established retailers, even partnering with alternative lenders in an effort to diversify and generate new streams of revenue.

Regional 32

Regional Lending Innovation Retail 32

South State Correspondent

JANUARY 4, 2023

Remember all those five-year fixed-rate loans you booked at 4%? Many community banks have an inherent strategic advantage in bringing a new product to market faster than a national bank, yet they squander their position. As a result, national banks are eroding the customer base of the community bank. Yeah, that was a mistake.

Community Bank 195

Community Bank Capital Lending Training 195

FICO

AUGUST 18, 2021

This post explores the credit card trends in the US, UK and Canada, reviewing regional differences and focussing on the impact of the pandemic. The UK has much higher limits for those less than 12 months on book (new); this suggests a low and grow approach in both the US and Canada. Source: FICO. Above-Limit Spend. Source: FICO.

Trends 52

Trends US Cards Regional 52

PYMNTS

DECEMBER 4, 2019

The honey-based fermented beverage (sometimes called “honey wine” though dedicated mead drinkers affirm that mead is a fundamentally different drink than wine) has been something of a niche or regional favorite for the last five or so centuries. . But the 21st century has seen something of a mead renaissance. million in revenue.

Innovation 137

Innovation Phoenix Arizona Maine 137

PYMNTS

NOVEMBER 13, 2017

millennial small business owners expect revenue to increase in 2018 , a whopping 30 percent greater than the national average of small- and medium-sized businesses (SMBs) overall, according to Bank of America’s latest Business Advantage Small Business Owner Report , released last week. Eighty-one percent of U.S.

Taxes 105

Taxes Survey Capital America 105

PYMNTS

AUGUST 14, 2017

The merger, of course, spotlights a trend of consolidation within the payments space, and to be sure, in terms of size and scope, the Vantiv deal is one for the record books. But turning the page in that book begs the question about a smaller deal, at $1.2

Fintech 100

Fintech Regulation United States Lending 100

PYMNTS

SEPTEMBER 9, 2019

He came from a nation of some 1.4 But no matter what comes next for him the history books will give him his due for the 20 years he led Alibaba, and how he built it into an increasingly global payments and commerce powerhouse ecosystem. Now he is stepping down. Chinese Growth.

Payments 146

Payments Mobile Groups Innovation 146

PYMNTS

APRIL 16, 2020

In short it is the question of a nation that has spent that last six weeks in crash response mode to an international pandemic unable to go out, interact with anyone they are not immediately related to or do much of anything really. When is the coronavirus pandemic going to be over? ” As for what the reopenings will look like?

National 146

National Data ATM California 146

PYMNTS

JANUARY 21, 2020

Once categories like auto sales, gasoline and restaurants are stripped from the total retail sales numbers and retail segments, like books and toys and sporting goods, are examined, those numbers begin to look very different. However, she noted, the data there is more nuanced.

Retail 168

Retail Innovation Data New York 168

PYMNTS

JANUARY 17, 2017

No dream, this: Alipay is expanding its efforts and footprint in North America to capture discretionary spending as Chinese tourists flock to the region for culture and entertainment … and spend on everything from food to handbags. Of that, picture 120 million wallets right in your own backyard, flush with cash and credit.

Los Angeles 100

Los Angeles San Francisco America Retail 100

PYMNTS

JULY 14, 2017

The WannaCry ransomware in May crippled hospitals, railways and government in more than 150 countries: the biggest cyberattack on the books, affecting hundreds of thousands of computers. Few paid up, but with systems down for days or weeks, bottom lines certainly suffered regardless.

Operations 118

Operations Study social media Security 118

PYMNTS

DECEMBER 6, 2017

Consumers can buy shoes, books, coffee pots, linens and dog toys online, so why are they still going to the grocery store for the same dozen eggs and gallon of milk they buy every week? Boston-based meal kit company Just Add Cooking aims to address both by sourcing its kits from farms and businesses in the New England region.

Boston 102

Boston Regional System Online 102

American Banker

JULY 27, 2016

Cullen/Frost Bankers' second-quarter profit declined slightly compared with a year earlier as gains in net interest income were largely offset by increased chargeoffs and a higher provision for loan losses.

Regional 28

Regional National 28

PYMNTS

NOVEMBER 7, 2018

The popularity of lower-cost Android devices in developing nations rewarded Google Play with an advantage in app install growth last quarter at 14.3 Further evidence comes from research that shows at least half of global app spend for iOS came from the Asia-Pacific region (with most of that spending directed to mobile gaming apps).

Marketing 122

Marketing Google Apple Mobile 122

PYMNTS

JUNE 14, 2018

According to the United Nations Educational, Scientific and Cultural Organization (UNESCO), over 800,000 Chinese students pursued education abroad in 2016 – and that number is forecasted to rise. Chinese nationals took an estimated 500,000 outbound medical trips in 2016, a fivefold increase from the previous year.

Payments 108

Payments Cards National Marketing 108

Independent Banker

FEBRUARY 24, 2016

New inspirations, fresh experiences await at ICBA’s national convention. ICBA’s national convention offers an educational lineup this year of more than 60 workshops and networking sessions. State/Regional Partners Reception*. State/Regional Affiliate Associations & Exhibitor Receptions*. Monday, March 7.

Community Bank 70

Community Bank Community Innovation Customer Experience 70

Jeff For Banks

DECEMBER 12, 2016

Independent Bank Corporation (Nasdaq: IBCP) Independent Bank dates back to 1864 as the First National Bank of Iona. billion in asset company headquartered in West Virginia, providing community banking services primarily in the Eastern Panhandle and South Central regions of the state, and the Northern and Shenandoah Valley regions of Virginia.

North Dakota 60

North Dakota Minnesota West Virginia Arizona 60