South State Correspondent

DECEMBER 5, 2023

Commercial bankers are trusted advisors and have a unique opportunity to understand their client’s specific financial and personal situations, explain the basic concepts of capital markets, and offer prudent and objective advice to help customers reach their goals. The graph below shows the lending curve from one month to 20 years.

Lending 195

Lending Marketing Capital Community Bank 195

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. Photo: R.J.

Community Bank 209

Community Bank Community Texas Dallas 209

South State Correspondent

FEBRUARY 28, 2023

Many community banks today are willing to underwrite real estate secured loans on just two metrics: debt-service-coverage ratio (DSCR) and loan-to-appraised value (LTV). Banks typically approve credits above 1.20x DSCR and below 75% LTV – with many loan-specific factors that may skew these acceptable levels.

Lending 195

Lending Community Bank Community National 195

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. These include family-owned businesses, community businesses and operating companies.

Texas 182

Texas San Antonio Community Bank Community 182

Gonzobanker

FEBRUARY 22, 2024

For bankers to be successful in the small business lending market, they need to execute on several key tenets: strategy, people, process and technology. Community banks need to analyze the demographics and varied business segments to identify the growth potential of each market. No two markets are created equal.

Lending 78

Lending Community Bank Community Strategy 78

Independent Banker

APRIL 30, 2022

Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own path to success. In true community bank fashion, each has its own story to tell and its own path to success.

Community Bank 172

Community Bank Community Montana Taxes 172

South State Correspondent

MARCH 13, 2023

Based on the bank’s own filing, and like many banks, SVB did not deploy hedging instruments to manage its securities duration risk. The SVB Takeaway For Community Banks Community banks should continue to monitor their deposit base, liability sensitivities, and duration risks.

Risk Management 221

Risk Management Management Community Bank Community 221

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

Independent Banker

NOVEMBER 30, 2022

.; Bank of Montana, Missoula, Mont.; CNB Bank, Berkeley Springs, W.Va.; Midwest Bank, Norfolk, Neb. In our annual workplace survey, employees of ICBA’s best community banks to work for told us they benefit from engaging cultures, opportunities for advancement and innovative benefits. What great resignation?

Community Bank 169

Community Bank Community Montana Leadership 169

Independent Banker

AUGUST 31, 2021

This year’s winners: Left: Central Valley Community Bank, People’s Choice Award; Middle: Kennebec Savings Bank, Exceptional Community Bank Service Award; Right: Cross River Bank, Emerging Service Program Award. Exceptional Community Bank Service Award. Kennebec Savings Bank.

Community Bank 196

Community Bank Community National Fresno 196

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

South State Correspondent

FEBRUARY 27, 2022

At SouthState, we use a program called ARC (Assumable Rate Conversion) that allows borrowers to pay a fixed rate of interest for as long as 20 years, but the bank retains a floating rate asset. Current Risk in Term Lending. ARC is custom designed to allow community banks to compete anywhere on the yield curve.

Lending 195

Lending Community Bank Community Meeting 195

Independent Banker

APRIL 30, 2022

Ashley Horner (right), senior vice president and SBA loan administrator, shown with portfolio manager Melanie Elmore, says Summit Bank is on track to make $30 million in SBA loans this year. Loan providers share an infectious enthusiasm and growing optimism for one vertical’s prospects in 2022: commercial lending. Quick Stat.

Lending 158

Lending Community St. Louis Community Bank 158

Abrigo

FEBRUARY 27, 2020

Key Takeaways Financial institutions who want to maintain a healthy share of business lending this year and through potentially tougher economic times ahead want to be in the best position possible before trouble hits. Abrigo's Business Lending Readiness Survey found many processes stymie those efforts. learn more.

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Lending Survey Data System 243

Abrigo

SEPTEMBER 16, 2019

Community bankers are largely positive about the future, based on the first results of a new index gauging business sentiment among the financial professionals who serve a critical role in local economies. How do you expect the regulatory burden on your bank to change over the next 12 months? Grow your loan portfolio. Learn More.

Community Bank 150

Community Bank Community Policies Survey 150

PYMNTS

NOVEMBER 13, 2018

To that end, news came earlier this week in the United States that a dozen community and regional banks have formed a group aimed at exploring the opportunities amid FinTech offerings. The group, to be known as Alloy Labs Alliance, according to a press release , is being managed by FinTech Forge.

Community Bank 183

Community Bank Community Fintech Arizona 183

Independent Banker

JANUARY 31, 2022

These community banks are working to fix that through microlending programs. Now, some community banks are launching microlending programs to redress the balance. Small business microlending has traditionally been a tough market to serve for banks of all sizes due to the cost inefficiencies. By Beth Mattson-Teig.

Lending 150

Lending Community Community Bank Compliance 150

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

NOVEMBER 3, 2016

Some of the most pressing challenges facing community banks and credit unions in the current banking environment include narrow interest rate margins, increasing pressure from regulators, and competition with “too-big-to-fail” mega-banks.

Community Bank 150

Community Bank Community Lending Risk Management 150

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

Bank Innovation

JULY 19, 2018

Digital lending is becoming an important business even for smaller community banks. Larger banks, which have the resources to build their own technology or buy a fintech provider (KeyBank acquired Bolstr; JPMorgan Chase acquired WePay).

Lending 186

Lending Community Bank Resources Community 186

Abrigo

NOVEMBER 6, 2019

Small Business Loans | 5 minute read Key Takeaways Credit unions' small business loans hit a record low, while small business lending continues to remain strong at big banks and community banks. Going digital can help reduce the cost of small business lending and capture more member business loans.

Lending 150

Lending How To Community Community Bank 150

Gonzobanker

FEBRUARY 8, 2023

Community Banks as Venture Capitalists In fact, not all providers of venture capital are venture capitalists. Increasingly, banks are filling the void created by VCs. Among community banks investing in fintech startups, the average investment was nearly $3 million per bank in 2022. billion in 2021.

Community Bank 99

Community Bank Community Fintech Leadership 99

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

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. bank about loan pricing. FTP Attribution – A Specific Loan Example.

How To 195

How To Community Bank Community Capital 195

Abrigo

FEBRUARY 12, 2020

Key Takeaways Commercial real estate lending will be a top focus for many financial institutions in 2020. Nearly half of survey respondents (48%) said CRE would have the top focus for growth in their banks’ loan portfolios. Heading into 2020, banks seem to be continuing to respond to risk concerns. Learn more.

Lending 195

Lending Trends FDIC Survey 195

Abrigo

MARCH 22, 2017

The 2017 Risk Management Summit presented by Sageworks is set for September 25-27th in Denver, CO. The Summit is the industry’s leading life-of-loan conference, spanning business development through portfolio risk management in a CECL - current expected credit loss - world. The finalized agenda will be published in April.

Risk Management 186

Risk Management Management Denver Conference 186

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

PYMNTS

NOVEMBER 17, 2017

Think of banking and you might think of lending and deposits, where firms make money on the spread between what they pay savers and what they take in from borrowers. But banks cannot live on interest alone. Additional financial products and services must round out traditional banking activities.

Community Bank 115

Community Bank Community Cards Lending 115

Abrigo

AUGUST 5, 2020

Now, banks and credit unions must determine how to safely and effectively manage risk in the portfolio while also driving growth at their institution. Therefore, it’s essential that the credit memo captures the complete picture of the borrower to ensure proper risk management. Improving loan grading in a recession.

Management 195

Management Risk Management Trends Industry 195

South State Correspondent

MAY 3, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management.

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Last week, we published an article [ here ] discussing how fair value accounting for assets and liabilities may have prevented the failure of Silicon Valley Bank, even if sound risk mitigation practices were not resolutely embraced by management.

Lending 195

Lending Capital Management Tools 195

Abrigo

SEPTEMBER 7, 2023

Adapt to a dynamic banking environment with real-time lending & credit data Lender dashboards and reports showing the lending pipeline, pricing trends, emerging risks, workflow bottlenecks, etc. The institution can more easily capitalize on opportunities and avoid unnecessary risk. Explore Abrigo Connect.

Report 195

Report Lending Trends Data 195

South State Correspondent

AUGUST 21, 2022

Last week we wrote about loan-level vs. balance sheet hedging for community banks and provided our loan proposal generator ( HERE ). We compared and contrasted the two strategies and sized the market for community banks. A community bank may transact one or only a few balance sheet hedges over many years.

How To 195

How To Community Bank Community FDIC 195

Jeff For Banks

FEBRUARY 12, 2024

2/25 Past actions/decisions give the best insights into a management team's acumen, capabilities, willpower, and its pursuit of excellence.effort lol. 2/25 Past actions/decisions give the best insights into a management team's acumen, capabilities, willpower, and its pursuit of excellence.effort lol. Raised capital in late 2019.

Columbus 112

Columbus Indianapolis Capital Community Bank 112