South State Correspondent

FEBRUARY 27, 2024

Community bankers need to practice realistic loan pricing discipline. However, we need to understand the meaning of pricing discipline and its effect on community bank performance. This is strong evidence that community banks are pricing to an arbitrary minimum credit spread in this set of loans. Cost-plus pricing.

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South State Correspondent

FEBRUARY 22, 2024

Banks consistently produce under their cost of capital. For example, at present, return on equity performance is about 12% for the average community bank. However, for the average bank, their cost of capital is between 9% and 14% depending on the bank’s equity liquidity with an average of 12.5%.

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South State Correspondent

APRIL 10, 2023

Most agree that attempt to fair value certain financial instruments would still not approximate the settlement of that instrument between a motivated buyer and seller – for example, there are many unpredictable or unknown factors to be able to value instruments like loans and deposits. in Tier 1 capital.

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Abrigo

MAY 8, 2015

In recent months, the momentum around reducing the regulatory burden on the nation’s community banks has continued to gain steam. There are more than 6,000 banks and thrifts under $10 billion in assets and they are often less equipped to deal with complexities brought by additional regulations.

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PYMNTS

JANUARY 9, 2018

Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index. Here, again, lies another opportunity for community banks to fill the void.

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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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South State Correspondent

JANUARY 4, 2023

The irony here is that more than half the banks we recently surveyed had some goal and metric around asset growth. While there is nothing wrong with growth, the problem is that most banks are not prepared to grow. That said, smart banks will make growth a byproduct and ensure they have all their other processes right.

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South State Correspondent

MARCH 16, 2022

One element that many commercial banks attempt to differentiate with borrowers is the prepayment provision (or sometimes the lack of one). Many community banks will market their fixed rate loans based on the simplicity of the prepayment provision, and this starts by understanding the value that each provision creates.

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Independent Banker

NOVEMBER 30, 2021

The majority of the FSWCF’s loan programs are dedicated to small businesses in rural Colorado, New Mexico and the Navajo Nation. Many focus on providing capital to underrepresented groups. For example, First Southwest Bank received the U.S. When the Paycheck Protection Program (PPP) began, the community bank was in luck.

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PYMNTS

DECEMBER 11, 2020

Capital One Halts BNPL Transactions On Its Credit Cards. Capital One Financial Corp is putting a stop to buy now, pay later (BNPL) transactions on its credit cards, calling the dealings “ risky ,” for both consumers and banks. Synctera Brings 'FinTech As A Service' To Community Banks.

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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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Independent Banker

JANUARY 31, 2022

Ken Finley, president of Johnson City Bank, in downtown Johnson City with Shannon Sultemeier, executive vice president (left); and Brenda Haynes, vice president/cashier (right). Here’s how four community banks are thriving in this environment. The state is growing an impressive technology roster, for example.

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South State Correspondent

JULY 5, 2022

We concluded that obligors showing less than 1.50X DSCR would be most at risk, but the average community bank underwrites to 1.20X DSCR. Many bankers responded that their loan-to-values (LTVs) are low and expect that the secondary source of repayment will protect the bank’s capital. in December 2021).

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South State Correspondent

JUNE 13, 2023

On our loan hedging desk, we work with hundreds of banks ranging in size from just over $100mm in assets to some national banks with over $1T in assets. When interest rates rise, lenders struggle to manage revenue and economic capital; when rates fall, borrowers can commonly refinance the debt at lower rates.

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Independent Banker

APRIL 30, 2022

Here’s how community bankers can take advantage of various sectors—including SBA lending—over the next 12 months. Community banks that have struggled to grow their commercial loan portfolios over the past two years are optimistic that there are brighter days ahead this year and next. billion asset community bank.

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Independent Banker

APRIL 30, 2019

I was blown away by the incredible community banks that are featured, and I have a feeling you’ll feel the same way! Even after such a phenomenal ICBA LIVE and the ICBA Capital Summit, which may be happening as you read this, I can still draw such inspiration from our nation’s community bankers. Cloud, Minn.

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Gonzobanker

MAY 4, 2020

All the capital flowing into the digital fintech space is helping to solve banking industry challenges. As the industry’s appetite for digital technology grows, the capital that’s been flowing into mostly digital-focused fintech is solving real industry challenges right now. Look no further than these two examples.

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Abrigo

JULY 15, 2015

Here are three ways you can help your clients acquire and manage their financial resources: One simple and, if well managed, surefire way to introduce more capital into the pockets of your clients is a business rewards credit card. The advantage of working capital is obvious to some degree.

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Abrigo

OCTOBER 23, 2015

Behringer, McGladrey’s national leader for credit risk services. Building a stress test that shows, for example, how a 10 percent drop in revenue could affect those borrowers would identify any need to restructure or work with some of those borrowers now, he said.

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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). experiments with a more visible move from shareholder capitalism to stakeholder capitalism.

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PYMNTS

OCTOBER 1, 2018

For example, alternative finance in the U.K. seems to be kicking off, showing evidence of surpassing traditional bank lending at many times. 63 percent of SMBs sought a loan for working capital needs last year , including payroll, inventory and supplies, according to new data from S&B Global Market Intelligence.

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Independent Banker

SEPTEMBER 25, 2014

This is particularly true for community banks preparing to undergo their next regulatory safety and soundness or compliance examination. Regulators and industry consultants agree that community banks are generally doing a great job handling their regulatory oversight and requirements.

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Abrigo

AUGUST 5, 2020

is officially in a recession, according to the National Bureau of Economic Research. Now, banks and credit unions must determine how to safely and effectively manage risk in the portfolio while also driving growth at their institution. The national effects remain opaque and will continue to change – do not get complacent.

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Jeff For Banks

DECEMBER 9, 2020

For example, institutions should designate a board member, a committee of the board (or an equivalent function), as well as a senior management function, as accountable for the organization's assessment and management of the financial risks from climate change. The top 10 banks already control over 50% of all US banking assets.

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Independent Banker

JANUARY 26, 2016

ICBA has planned an educational lineup of more than 60 workshops and networking sessions for next month’s Community Banking LIVE conference in New Orleans. Community banks can beat tech-based, nontraditional competitors at their own game. billion-asset community bank in Winter Haven, Fla., Digital Jujitsu.

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PYMNTS

JUNE 14, 2019

The low score for retail banks is due to factors like star ratings, which equaled 2.8 Retail banks weren’t low-scoring across the board, though. Capital One had the highest overall reputation score at 405, followed by TD Bank (374) and Chase Bank (370). According to the latest Credit Union Tracker , a majority (59.5

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American Banker

DECEMBER 13, 2016

When Access National decided it wanted to buy Middleburg Financial in Virginia, it also wanted to talk to David Sokol, a major investor in Middleburg. It is an eye-catching example of how lone investors can control the outcome of community bank deals.

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PYMNTS

JANUARY 31, 2019

is set to see its first new community bank in decades, as the Federal Deposit Insurance Corporation (FDIC) lent its approval for MOXY Bank to launch in Washington, D.C. MOXY Bank, for example, aims to introduce corporate treasury management services, as well as offerings for small business (SMB) owners.

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Abrigo

JULY 23, 2015

According to the Sageworks 2015 Bank and Credit Union Exam Survey , more than 40 percent of the 180 responding institutions had already begun stress testing, and it was recommended to 30 percent that they begin stress testing or expand current stress test practices. Understand your portfolio and its risk factors. Ensure proper data.

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Community Bank Community Data Resources 150

Gonzobanker

DECEMBER 22, 2020

Banks and credit unions had to fundamentally change their delivery, support and relationship management models at scopes and speeds that were unheard of. And how did community banks and credit unions respond to the COVID craziness? Jill is continually demonstrating just how loud a $300 million community bank can roar!

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Idaho Community Industry Strategy 181

Independent Banker

DECEMBER 13, 2015

Even if you’re not required to use either version of the Cybersecurity Assessment, beta users say it can help your community bank gauge its cybersecurity risks and ultimately guard against cybercrime. At the Bank of Luxemburg, a $290 million-asset community bank in Luxemburg, Wis., Real-world testing. “I

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Independent Banker

NOVEMBER 24, 2015

Even if you’re not required to use either version of the Cybersecurity Assessment, beta users say it can help your community bank gauge its cybersecurity risks and ultimately guard against cybercrime. At the Bank of Luxemburg, a $290 million-asset community bank in Luxemburg, Wis., Real-world testing. “I

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Tools Community Community Bank Security 70

South State Correspondent

MAY 9, 2022

In our previous article ( HERE ), we reviewed the banking industry’s cost of funding earning assets (COF), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle. That 9% does not include specialty consumer banks or fintech companies.

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Independent Banker

JUNE 30, 2022

The Peoples Bank helped the Jones family of Legacy Dairy in Hiseville, Ky., From left, Ally Jones; bank chairman, president and CEO Terry L. Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. The bank provides crop insurance to farmers in 11 states.

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Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Noninterest income can be broken down into service charges (and fee income) on deposit accounts , trading revenue, investment banking activities, and the catch-all, other. Types of Noninterest Income.

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South State Correspondent

MAY 31, 2023

It is a dangerous troupe in banking that an omnichannel approach is best. The concept that we allow the customer to choose how they want to bank often enables the bank to be passive in its position and give up agency. Branching, for example, is too expensive to be all things to all people.

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South State Correspondent

OCTOBER 28, 2022

During the two weeks, there were over a hundred significant cyberattacks by nation-states on national and regional banks that you could watch unfold in near real-time (bel0w) at Gartner and Money 20/20. Any community bank that believes it can keep up and thwart millions of attacks per second is fooling itself.

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