South State Correspondent

OCTOBER 17, 2022

In a previous article ( HERE ), we discussed the concept of Funds Transfer Pricing (FTP), why systemically important banks and large regional banks incorporate FTP, and why community banks should also consider implementing FTP. FTP Attribution – A Specific Loan Example. bank about loan pricing.

How To 195

How To Community Bank Community Capital 195

South State Correspondent

APRIL 19, 2023

In this article, we will look at deposit performance data related to high balances and show how banks can dramatically increase value by restructuring relationship-based products and better-allocating marketing/sales dollars more efficiently. For example, while banks in the Southeast and Mid-Atlantic regions of the U.S.

How To 195

How To Examples Resources Community Bank 195

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).

Community Bank 195

Community Bank Community Lending Regional 195

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.

Community Bank 195

Community Bank Capital Training Lending 195

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.

How To 195

How To Community Bank Community National 195

South State Correspondent

MAY 3, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. Banks can then measure the economic value obtained from each action taken separately.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. Banks can then measure the economic value obtained from each action taken separately.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. Banks can then measure the economic value obtained from each action taken separately.

Lending 195

Lending Capital Management Tools 195

Independent Banker

JANUARY 31, 2022

Here’s how four community banks are thriving in this environment. This region has the kind of energy that draws people to a place and helps them and their businesses thrive. The state is growing an impressive technology roster, for example. By Mindy Charski. billion to the state’s output. Deepening roots.

Texas 182

Texas San Antonio Community Bank Community 182

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.

Conference 195

Conference Retail Community Bank Technology 195

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. Advise clients to look for business partners or help connect them with investors in their region.

Management 150

Management Resources Capital Taxes 150

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.

Fintech 167

Fintech Customer Experience Conference Technology 167

Abrigo

AUGUST 9, 2017

In addition, “Management can use stress testing to establish and support reasonable risk appetite and tolerances, set concentration limits, adjust strategies and appropriately plan for and maintain adequate capital levels. Appraised values for properties are then adjusted by the amount of average decline in the market.

Columbus 150

Columbus Ohio FDIC Strategy 150

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.

Community Bank 70

Community Bank Community San Diego Strategy 70

Tech and Finance

JULY 13, 2016

Regional and mid-tier banks face an uphill battle on the digital front, but have advantages they can capitalize on with some focus and determination. Alarm bells are sounding in boardrooms of regional and mid-tier banks across the U.S. Retail Banking Customer Satisfaction Study from J.D. The 2016 U.S.

Regional 28

Regional Mobile Millennials Study 28

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.

Community Bank 122

Community Bank Community FDIC Marketing 122

Abrigo

AUGUST 1, 2016

Banks are critical financing partners for growing enterprises. Eight in 10 business owners report that a major, regional or community bank is their main financing partner for capital. After all, most of the nearly 29 million businesses in the U.S. They are poach-able.

Millennials 150

Millennials Survey Risk Management Groups 150

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.

Community Bank 195

Community Bank Community Industry Online 195

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.

Data 195

Data Branch Strategies Strategy Mobile 195

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.

Capital 195

Capital Training Management Atlanta 195

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.

Conference 195

Conference Technology Las Vegas Trends 195

Independent Banker

NOVEMBER 24, 2014

“I love being around people, and people are what community banking is all about.” Shirley Nelson, Summit Bank. Overcoming various long odds over the years, Shirley Nelson launched and then grew a thriving California community bank. Shirley Nelson , Summit Bank. Bank Headquarters: Oakland, Calif.

Oakland 98

Oakland Community Bank Community Industry 98

Gonzobanker

DECEMBER 20, 2019

Chris Myers, President & CEO, Citizens Business Bank – During a tumultuous time for West Coast banks, Myers kept his sights on being a top commercial relationship bank. The company’s market capitalization, which after declining to less than $600 million in the 2009 recession, has now grown to almost $3 billion.

Idaho 148

Idaho Conference Data Marketing 148

Independent Banker

NOVEMBER 30, 2021

Many hotels and other hospitality businesses haven’t fully bounced back from COVID-19 travel and safety restrictions, but community banks have been by their side through the challenges. MainStreet Bank has a sizable hotel loan portfolio with roughly $100 million in loans on 15 properties. By Beth Mattson-Teig.

Community Bank 209

Community Bank Community Texas Dallas 209

PYMNTS

SEPTEMBER 23, 2016

The first is the obvious issue: They lack the massive scale and deep IT pockets of the large banks. Most regional and community banks aren’t in the position to develop cutting-edge mobile banking products in-house. Community banks just aren’t offering that, according to Fossella.

Mobile 100

Mobile Community Bank Tools Community 100

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 195

Fintech Community Regional Technology 195

Gonzobanker

DECEMBER 19, 2022

A few modest examples of the 2022 roller coaster ride: The Fed rate hikes in 2022 totaled 425 basis points. 2022 was the year the fintech industry and venture capital firms figured out that banking is harder than everybody thought. The Gimme-a-Good-Example Award. The Smarter Bank Innovation Award. Pull ’em down.

Community 216

Community Fintech Industry Innovation 216

Fintech Labs Insights

JULY 22, 2015

CoreIQ is a marketing automation system developed by Onovative that speeds onboarding and broadens cross-selling opportunities for community banks and credit unions. Raised $400,000 in capital. “We bring data from all their systems and keep it behind their firewall. ” Stats. Founded in June 2013. Has 6 employees.

Technology 12

Technology Marketing San Jose Community Bank 12

CB Insights

MAY 15, 2019

Capital One — Capital One Labs. Key people: James Patterson, Managing VP & Head of Capital One Labs at Capital One. Capital One Labs aims to streamline the product creation process, with a focus on consumer-first design. Notable projects: Capital One Cafes have been popping up in cities all over the country.

Innovation 78

Innovation blockchain Technology Groups 78