South State Correspondent

MARCH 19, 2024

The Importance of Cross-selling and Upselling Studies conducted on banking relationships find that the most profitable commercial clients at banks buy more than one product at those banks, and there is a strong positive correlation between profitability and number of products sold and the bank’s size of customer wallet.

Community Bank 195

Community Bank Community Industry Cards 195

PYMNTS

JANUARY 6, 2020

Community banks are pushing for a stronger role with their small business (SMB) customers. However, through an embrace of FinTech collaboration and industry consolidation, community banks appear poised to further dispel assumptions of a lack of digitization. A Consolidating Industry. Strengthening SMB Ties.

Community Bank 123

Community Bank Community Payments Fintech 123

South State Correspondent

SEPTEMBER 25, 2023

Given this new signal, community banks need to analyze what this interest rate environment means for their business model and how to maximize performance. The question is how will this interest rate development affect community banks’ performance, and what must community banks do to remain profitable?

Community Bank 195

Community Bank Community Industry Marketing 195

Independent Banker

DECEMBER 31, 2021

Independent Banker ’s annual Community Bank CEO Outlook survey reveals how community bank leaders plan to leverage today’s deposit-laden banking environment to grow this year. Janet Silveria, Community Bank of Santa Maria. So, what’s at the top of community bank leaders’ to-do lists?

Community Bank 144

Community Bank Community Lending Louisiana 144

PYMNTS

NOVEMBER 13, 2018

Alloy’s Julieann Thurlow, CEO of Reading Cooperative Bank, said, “Community banks play a special role in the lives of our customers, but we don’t have the same IT and innovation budgets as the big banks to capitalize on that relationship.”

Community Bank 183

Community Bank Community Fintech Arizona 183

South State Correspondent

JUNE 30, 2023

Many banks pride themselves on superior customer service, and approximately 90% of all community banks believe that they provide an above-average level of customer service (the math cannot work that way). The graph below shows the industry ROE and ROA from 1984 to 2021.

Resources 195

Resources Community Bank Capital Community 195

American Banker

OCTOBER 10, 2023

Lenders at an American Bankers Association conference this week railed against proposed regulatory requirements they argue could drive up costs, curb credit availability and ultimately hurt borrowers in already fragile economic times.

Community Bank 81

Community Bank Community Capital Conference 81

South State Correspondent

FEBRUARY 20, 2023

Who the competition is, what the lending competition is offering, their delivery channels, and service levels can help community banks differentiate their services and enhance their competitive advantage. Analyzing the competition can also help a bank be realistic about which products it can sell and at what price.

National 195

National Lending How To Community Bank 195

PYMNTS

JUNE 7, 2018

Community banking can be one of the most rewarding and most challenging areas of financial services in which to work — that’s the view, anyway, of Rebeca Romero Rainey, president and CEO of Independent Community Bankers of America (ICBA) , who recently joined the nation’s leading advocacy organization that exclusively represents community banks.

Community Bank 157

Community Bank Community Millennials Regulation 157

South State Correspondent

SEPTEMBER 18, 2023

This development is very important to community banks, as their efficiency ratio also increased, but to 61.63%. The national banks have already indicated how they plan to reverse the efficiency ratio increase – through headcount reduction. The industry has already reported a 0.65% decrease in full-time employees QoQ in Q2/23.

Management 195

Management How To Community Bank Community 195

South State Correspondent

FEBRUARY 29, 2024

Since our last update on pricing and credit HERE , commercial loan pricing trends for the first quarter of 2024 continue to be driven by the perceived increase in credit risk, tighter credit supply and banks’ need for wider margins. percentage points bringing forward looking LGD to 44% of the average community bank loan amount.

Trends 195

Trends Community Bank Community United States 195

South State Correspondent

MARCH 5, 2024

Several measurable factors drive loan (and, by extension, bank) profitability, including loan size, credit quality, term, cross-sell, and upsell. In this article, we will consider how and why loan size is one of the most significant drivers of profitability for community banks and what community banks can do to improve performance.

Community Bank 195

Community Bank Community National Lending 195

South State Correspondent

MARCH 5, 2024

Several measurable factors drive loan (and, by extension, bank) profitability, including loan size, credit quality, term, cross-sell, and upsell. In this article, we will consider how and why loan size is one of the most significant drivers of profitability for community banks and what community banks can do to improve performance.

Community Bank 195

Community Bank Community National Lending 195

South State Correspondent

APRIL 4, 2024

However, because bank capital has an average expected life of 15 to 20 years, bank managers must gauge and react to secular changes that will impact their business model. These changes associated with higher government budgetary spending will have direct and consequential effects on the banking industry.

Risk Management 195

Risk Management Community Bank Policies Community 195

PYMNTS

JANUARY 9, 2018

While marketplace lending platforms and alternative finance players first surfaced to compete with traditional financial institutions (FIs), many large banks have now realized that collaborating with these companies is the way to better service SMBs — and without the added investment in developing proprietary systems.

Community Bank 131

Community Bank Community Fintech Lending 131

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.

How To 195

How To Community Bank Community Management 195

South State Correspondent

MARCH 28, 2023

This article will compare pay-for-risk vs. relationship banking business models for community banks. In a pay-for-risk model, banks emphasize generating revenue by charging for risks that they take. Banks succeed by assessing and underwriting this risk, capitalizing on opportunities where risk is overpriced.

Community Bank 195

Community Bank Community Management Marketing 195

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%.

How To 195

How To Strategy Capital Lending 195

Abrigo

OCTOBER 9, 2014

This article is the second in a two-part series on top concerns and growth strategies of community banks. Everyone in the banking industry seems to be asking the same question these days: How can we facilitate growth? To properly asses the credit risk of that entity, the bank must perform a global analysis.

Community Bank 236

Community Bank Strategy Community Survey 236

South State Correspondent

SEPTEMBER 12, 2022

The banking industry’s cost of funds (COF) is highly correlated to short-term interest rates. However, as of Q2/22, the average community bank’s COF has risen only a few basis points. The COF over the past five quarters is shown for three asset peer groups: banks under $1B (3.5k

Community Bank 195

Community Bank Community Industry Online 195

Independent Banker

MARCH 31, 2022

To sum it up, these leaders are all in and all heart for community banking. Here stood a group of experienced and passionate community bankers who have dedicated themselves to advocating for the industry they care so deeply about. “I’m We are not Wall Street banks—we are community banks.

Community Bank 239

Community Bank Community Industry Texas 239

South State Correspondent

MAY 18, 2022

In two recent articles, we reviewed the banking industry’s deposit behavior with regard to cost of funding earning assets (COF) ( HERE ), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle ( HERE ). How Interest Rates Will Impact Your Bank.

Community Bank 195

Community Bank Community Analysis Industry 195

South State Correspondent

MARCH 30, 2022

Community banks pride themselves on superior customer service. Approximately 90% of all community banks believe that they provide an above-average level of customer service (of course, the math cannot work that way, as half of all banks should be providing a below-average level of customer service).

Community Bank 195

Community Bank Resources Community Regional 195

Banking Exchange

DECEMBER 21, 2021

Virginia-based bank surpassed industry average score, but four US banks fall short Retail Banking Feature Feature3 Customers Community Banking.

Virginia 78

Virginia Capital Community Bank Community 78

Independent Banker

DECEMBER 31, 2022

Consider industry evolution. It’s a challenge to be sure, but it’s one that community banks have previously faced with strength. In fact, this is when community banks shine, bringing stability to customers simply by being relationship bankers who see them and know them. Rebeca Romero Rainey.

Community Bank 159

Community Bank Community Resources Tools 159

South State Correspondent

JANUARY 30, 2023

Rising funding costs and decreasing liquidity at community banks are causing managers to change pricing methodology for new credits. This makes some sense, as in other industries, if your input pricing goes up, you often adjust your end pricing. However, pricing to the competition is the worst pricing choice for banks.

Community Bank 195

Community Bank Community Strategy Management 195

PYMNTS

OCTOBER 17, 2017

Despite the fact that they are currently being hotly pursued by technologists, the Industrial Loan Charter (ILC) is not exactly a new idea. ILCs are used to form industrial loan companies, better known as industrial banks. ILCs are used to form industrial loan companies, better known as industrial banks.

Industry 108

Industry Fintech FDIC Community Bank 108

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?

Lending 195

Lending Community Bank Community Capital 195

South State Correspondent

AUGUST 8, 2023

We estimate that approximately 50% of the community banks in the industry have a credit department that exerts influence or sets standards on loan pricing. While this process appears appropriate and benign, it increases credit risk, decreases bank profitability, and undermines the proper function of bank credit/yield tradeoff.

Community Bank 195

Community Bank Policies Capital Management 195

Jeff For Banks

FEBRUARY 12, 2024

Raised capital in late 2019. Instead of doing what was "easy" and raising capital, $QCRH decided to sell its least profitable charter, Rockford Bank and Trust, to bring in the capital to support its robust growth. 14/25 Capital priorities for banks: 1. I will highlight $QCRH and $CFBK. shareholder value.

Columbus 112

Columbus Indianapolis Capital Community Bank 112

Independent Banker

FEBRUARY 28, 2023

Derek Williams, president and CEO of Century Bank & Trust in Milledgeville, Ga., wanted to be a financier before finding his way to community banking. He has served as president and CEO of $365 million-asset Century Bank & Trust in Milledgeville, Ga., It’s kind of an anti-banking history!” for eight years.

Community 172

Community Community Bank Georgia San Antonio 172

American Banker

JANUARY 28, 2020

The recent Dodd-Frank rollbacks for smaller banks could encourage risk-taking that leads to a systemic issue.

Community Bank 78

Community Bank Community Industry System 78

Jeff For Banks

MAY 7, 2016

Recent news of Prosper scaling back and OnDeck Capital's ongoing losses has taken a little shine off of the FinTech apple. Recently a former bank director and active bank stock investor asked me about the rise of FinTechs and how it impacts community banks. But the death of the community bank is exaggerated.

Community Bank 60

Community Bank Community Fintech FDIC 60

Abrigo

JUNE 5, 2023

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. They help manage and shape strategy in volatile economic and industry conditions. the Community Bank Leverage Ratio (CBLR) and the minimum Tier 1 leverage ratio).

Report 195

Report Risk Management Capital Data 195

Independent Banker

DECEMBER 31, 2022

Here’s how community banks can enhance their payments offerings. of banks’ revenues come from payments. Payments account for up to 30% of bank revenue, and that income stream is under attack. billion-asset Bank of Tampa in Tampa, Fla. Photo by Juan Moyano/Stocksy. By Colleen Morrison. Quick Stat. Source: EY.

Trends 140

Trends Payments Community Bank Texas 140

Independent Banker

JANUARY 31, 2023

Consider industry evolution. It’s a challenge to be sure, but it’s one that community banks have previously faced with strength. In fact, this is when community banks shine, bringing stability to customers simply by being relationship bankers who see them and know them.

Community Bank 91

Community Bank Community Resources Tools 91

South State Correspondent

APRIL 3, 2023

Empirical evidence, historical bank failures, and common sense teach us that many risks do not translate to higher yields. The second article compared and contrasted community banks’ pay-for-risk and relationship business models. Top-performing community banks deploy relationship banking.

Community Bank 195

Community Bank Community Lending Marketing 195