Independent Banker

APRIL 1, 2021

Unlike our credit union counterparts, we pay taxes, and those tax dollars are spent at home to ensure our communities grow. As we kick off Community Banking Month, I can’t help but reflect on that statement and the changes of this past year. The 2021 ICBA Capital Summit is going virtual at the end of the month.

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Community Community Bank Taxes Capital 103

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. debt yield ratio ($135k divided by $1.5mm).

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Jeff For Banks

MAY 9, 2024

Back in 2015, almost nine years ago, I wrote an article about banks building their own small business loan platforms. Getting much needed capital into the hands of small businesses that can lead their economies forward. I still find this to be a challenge at community banks. They want to grow small business deposits.

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Independent Banker

JANUARY 31, 2023

We have a blank page on which we can write our narrative over the course of the year, with new milestones filling the pages ahead. It’s a challenge to be sure, but it’s one that community banks have previously faced with strength. Together, we will write our 2023 story, one that will set community banks up for success.

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Community Bank Community Resources Tools 91

American Banker

JULY 30, 2020

Now that its deal with Texas Capital has been called off, Independent Bank in McKinney plans to scale back or exit some commercial lines and will seek to duplicate its retail banking successes in Colorado.

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South State Correspondent

APRIL 30, 2022

In this article, we analyze the industry’s cost of funding earning assets (COF) and track how community banks’ COF behaves relative to larger banks. In future articles, we will explain our modeling for community banks’ COF based on inflation, Fed Funds rates, consumer consumption and the Fed’s balance sheet runoff.

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Abrigo

AUGUST 28, 2022

One overall benefit of effective loan pricing is that it is one of the many ways a financial institution can optimize capital. Adams, supervising examiner at the Federal Reserve Bank of Philadelphia, pricing is a key underwriting factor that should be addressed as part of a sound loan policy. Make more informed loan pricing decisions.

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South State Correspondent

APRIL 19, 2023

Further, as more and more banks promote digital account opening and payments (like the forthcoming FedNow), these numbers are projected to shorten by another 10%+. We also want to note that a money market account’s performance is representative of a bank’s deposit base. This is one of the great mysteries of community banking.

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South State Correspondent

DECEMBER 8, 2023

The real reason that this conference makes our favorites list is that this is one of the few conferences where we can learn what the largest and most progressive banks are doing in the market. Some banks also segment customers along affinity lines such as veteran, woman, or minority-owned businesses.

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South State Correspondent

NOVEMBER 15, 2022

the As interest rates go back up and volatility continues to remain high, banks’ cost of capital has undergone a significant shift up. Your cost of capital is essential to know for several reasons. Mostly, it gives your board and shareholders a yardstick in which to gauge a bank’s return. What It Means.

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Independent Banker

DECEMBER 29, 2015

Nearly one year after the Basel III capital rules went into effect, community bankers say that now recognize just how much more complex and how much more difficult this new set of capital rules will make life and business for them if they remain in place. No one was prepared for January 1st.”. More work, little value.

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Abrigo

DECEMBER 2, 2021

Indeed, deposit levels to transaction accounts among community banks exploded 74% to $896.5 31, 2019, and June 3, 2021, according to the Community Banking in the 21st Century report. billion from $515.3 billion between Dec. But this year, only 15% described core deposit growth as a “very important” risk.

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Independent Banker

JULY 28, 2016

Senate Banking Committee. She explained why lawmakers should exempt community banks from Basel III capital rule. Community bankers score big changes in final credit-loss standard. Speaking Out—ICBA Chairman Rebeca Romero Rainey (far left) testified in June before the U.S. By James Kendrick. Concessions stand.

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South State Correspondent

OCTOBER 26, 2023

The catalyst was likely a panel led by the CEO of Taktile (AI Underwriting), a Partner from Bain Capital, a partner for Andreessen Horowitz, the chief data scientist from Branch International (digital banking fintech for India and Africa), and a tech correspondent for CNBC.

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Abrigo

JUNE 11, 2021

Measurement plays an important role in ensuring that interest rate risk doesn’t threaten a financial institution’s earnings and capital. As recently as May 2021, regulators identified interest rate risk as among the key risks in the economy, financial markets, and the banking industry that could affect insured institutions.

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How To Risk Management Analysis Kansas City 195

PYMNTS

JULY 25, 2017

For value, the Federal Reserve estimates that a college grad will make about $830,000 over the course of a lifetime; the Georgetown University Center for Education and the Workforce estimates the value at around a cool million. There are currently 13,000 community banks in the U.S., New Financing — New Growth.

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Abrigo

JANUARY 29, 2016

One overall benefit of effective loan pricing is that it is one of the many ways a financial institution can optimize capital. Adams, supervising examiner at the Federal Reserve Bank of Philadelphia, pricing is a key underwriting factor that should be addressed as part of a sound loan policy. See the PDF: Section 2040, page 265.)

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Independent Banker

FEBRUARY 16, 2015

While Washington often moves at a glacial pace, it recently came to life to enact reforms benefiting bank and thrift holding companies. These reforms—one enacted by Congress, another by regulators—are designed to improve access to capital and to even reporting requirements for community bank and thrift holding companies.

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Jeff For Banks

NOVEMBER 19, 2014

Her answer: lack of capital. The above chart is from a Federal Reserve Bank of San Francisco Economic Letter: Slow Business Start-ups and the Job Recovery published in July. But in strategic planning retreats that I moderate, community financial institutions insist that they lend to small businesses.

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Independent Banker

FEBRUARY 24, 2016

Just about every community bank makes commercial real estate loans. A whopping 95 percent of ICBA members are active commercial real estate (CRE) lenders, according to the latest ICBA Community Bank Lending Survey. Seventy to 75 percent of the $871 million community bank’s portfolio involves CRE loans. “We

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Community Bank Lending Community Regulation 70

Jeff For Banks

DECEMBER 28, 2023

I work for The Kafafian Group, a community bank consulting firm based in Bethlehem, Pennsylvania. Many of my readers might not know what my firm does, so I want to dedicate this post to the problems we help community bankers solve. With a well thought out plan, course modifications can be made with confidence.

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Independent Banker

JANUARY 26, 2016

Of course, community banks are the primary economic engines behind small businesses on Main Street America, funding more than 60 percent of all small-business lending. This is a mindset shift for communities. Entrepreneurs are the ones who will transform the community.”. It’s not about, ‘small business needs help.’

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Jeff For Banks

APRIL 26, 2013

Conventional wisdom : The onslaught of new banking laws, regulations, and regulatory activism requires scale to absorb costs. Or, the rapid pace of technological change and the sophistication of hackers requires resources not found in small community banks. And in banking, lots of exceptions. respectively. respectively.

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Independent Banker

JANUARY 28, 2016

As in past years, community bankers will have a dynamic regulatory environment to contend with in 2016. Safety and soundness concerns will remain a prominent driver of that supervisory dynamic for community banks. What should community banks anticipate here? IB: So what should community banks anticipate here?

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Jeff For Banks

APRIL 25, 2014

This all comes with fewer banks than there were in 2007. Investment bankers will tell you the definitive answer, which is of course their opinion. of Ocala, Florida on the bank''s sale to Heritage Financial Group, Inc. ." - Loralee Hutchinson, President of Alarion Financial Services, Inc. What is driving deal volume?

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Abrigo

MAY 5, 2022

It also examines how community banks are different than other types of financial institutions, along with strategies for optimal operations. Banking Resources. Of course, there are numerous other excellent banking podcasts available that are worth a listen. Other podcasts of note to check out. keep me informed.

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Community Lending Maine Resources 195

Independent Banker

SEPTEMBER 21, 2015

Under the right circumstances, providing residential mortgages that fall outside of the new federal Qualified Mortgage definition could help a community bank grow its lending, some community bankers say. a $613 million-asset community bank serving central and northern Wisconsin that engages in non-QM lending.

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PYMNTS

SEPTEMBER 18, 2018

The trigger for the look back has of course has been the Sept. The traditional banking model may be disrupted, or about to be disrupted, depending on where you look. The market, then, has been opened to online lenders that have filled that niche – and it should be noted that community bank lending to SMBs has been on an upward trend.

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PYMNTS

MAY 27, 2020

The pandemic has accelerated the digital roadmap for everyone in financial services, giving rise to more innovation in the past few months than had been seen over the course of several years. And as HMBradley’s Bruhnke told Webster, “I always joke that I don’t understand what traditional banking is.

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Fintech Innovation Digital Banking FDIC 236

Jeff For Banks

JULY 14, 2021

The CFO's role then is to make sure that capital is available at the right cost for these choices to be profitable, and that the company has processes and decision making rules for capital allocation to support that growth." At this writing, many bank balance sheets are flush with cash.

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South State Correspondent

AUGUST 10, 2023

The reality is, of course, the money is technically there. Banks will move that money from a “master account” via an internal transfer, wire, ACH, card, or other rail to the appropriate destination later that day. Cost : Traditional cores are relatively expensive, eating up 30% to 60% of all the costs within a bank.

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System Examples Operations Data 195

Independent Banker

AUGUST 27, 2015

We manage charitable and personal trusts, IRAs and, of course, settle estates. We also administer a number of charitable trusts that distribute well over $500,000 a year in the community, so it makes for a well-balanced bank. In a community bank, the trust officer is really kind of a jack-of-all-trades.

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PYMNTS

JULY 1, 2019

Capital One Snaps up BlueTarp. Capital One Financial Corporation announced it has signed a deal to buy purchase-to-payment and credit management company BlueTarp. We look forward to leveraging our fully developed trade credit technology platform and delivering significant value to Capital One’s existing and future partners,” he said.

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NCR

MAY 26, 2016

Backbone of the economy, hallmark of innovation, true entrepreneurship, the face of free market capitalism—the clichés come tumbling out with speed and ease, at least in part because they’re completely true. And of course, a wealth of technology tools and channels makes those options readily available.

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PYMNTS

MAY 31, 2017

That brings up some questions for banks: What are the opportunities for banks with debit, and with branches, and even with ATMs? In short, how to tangibly capitalize on the tangible? Then, of course, Windows 10 is coming as well. In an interview with PYMNTS’ Karen Webster, Troy Cullen, president of Elan Financial at U.S.

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South State Correspondent

APRIL 6, 2022

Change 1: Cost of Capital and Capital Allocation. Back in 2020, banks’ capital cost was at a record low as it averaged a little under 6% for the industry. Now, the cost of capital has been up 44% since then. Below is our current weighted cost of capital for different-sized banks.

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Gonzobanker

SEPTEMBER 10, 2019

Temenos leadership – first Akcelerant founder Jay Mossman and then Akcelerant/FIS/Sanchez veteran Emily Steele – wins points with the Cornerstone team for straight talk and course-correcting to avoid the common international player sin of over-commitment and under-delivery. market has been a hard row to hoe for Temenos.

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