South State Correspondent

AUGUST 21, 2023

However, that publication, directly and indirectly, identified three discrete risks affecting community banks. We will outline what we think community bankers should glean from this publication. Risks to the Community Banking Sector Moody’s identified three risks to the banking sector, including risks to community banks.

Community Bank 195

Community Bank Community Capital Analysis 195

Abrigo

OCTOBER 9, 2014

This article is the second in a two-part series on top concerns and growth strategies of community banks. Part I focused on bankers’ greatest concerns, while this section will focus on growth strategies. Everyone in the banking industry seems to be asking the same question these days: How can we facilitate growth?

Community Bank 236

Community Bank Strategy Community Survey 236

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. Strategy: Choose Your Niche Making the most of an investment in business services requires a strategic approach. Even fewer banks have deployed automation for small businesses.

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Lending Community Bank Community Strategy 78

Independent Banker

APRIL 30, 2022

Loan providers share an infectious enthusiasm and growing optimism for one vertical’s prospects in 2022: commercial lending. Here’s how community bankers can take advantage of various sectors—including SBA lending—over the next 12 months. First Business Bank in Madison, Wis., billion asset community bank.

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Lending Community St. Louis Community Bank 158

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.” Here In The States.

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Community Bank Community Fintech Arizona 183

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. Tom Swenson, Bank of Montana.

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Community Bank Community Montana Leadership 169

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.

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Community Bank Community Payments Fintech 123

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

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.

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Lending How To Community Community Bank 150

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?

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Lending Community Bank Community Capital 195

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. What is Driving the Efficiency Ratio at Community Banks?

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Management How To Community Bank Community 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.

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Community Bank Community Cards Lending 115

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

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. We also shared a table that summarized the two strategies.

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How To Community Bank Community FDIC 195

PYMNTS

SEPTEMBER 24, 2020

smaller community banks and credit unions (CUs) stepped up to the plate and, according to the Small Business Association (SBA), ended up facilitating more than half of PPP loan volume to SMBs. That's good news for community banks and credit unions, which could see a wave of new SMB customers and members in the coming months.

Community 193

Community Community Bank Regional Lending 193

Jeff For Banks

MAY 9, 2024

During the prior break, I struck up a conversation with a person from Lendio , a small business lending platform, that was there to promote their white-label platform to bankers. Back in 2015, almost nine years ago, I wrote an article about banks building their own small business loan platforms. Reward for a job well done.

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Conference Community Bank Community Tools 98

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).

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Report Risk Management Capital Data 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.

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Report Lending Trends Data 195

Gonzobanker

MAY 31, 2019

Financial institutions that want to play in the small business lending sandbox need to bring their digital toys. article , former Small Business Administration administrator Karen Mills said community banks with strong small business customer bases that don’t find new ways to serve them digitally are going to face a “reckoning.”

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Lending Community Bank Community Data 136

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. Beef up your loan pricing strategy. Lending & Credit Risk. Deposit Pricing Strategy. Consumer Lending.

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Conference San Antonio Lending Fraud 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. Chris Doyle, Texas First Bank. Photo by Juan Moyano/Stocksy. Quick Stat.

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Trends Payments Community Bank Texas 140

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.

Community Bank 195

Community Bank Strategy Community FDIC 195

Abrigo

FEBRUARY 23, 2016

After several years of trying to mitigate the impact of low interest rates on net interest margins, financial institutions are determining how rising rates will impact growth strategy and profitability. They have also provided banks with increased scrutiny of processes and controls by external auditors and examiners.

Community Bank 150

Community Bank Community Capital Strategy 150

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

Abrigo

DECEMBER 17, 2021

This may be an easier task for institutions with a culture of innovation – rewarding and supporting new ideas and creative strategies. teams have been an integral resource to the bank. Lending & Credit Risk. Lending & Credit Risk. Lending & Credit Risk. implementation and support ?teams Learn More.

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Fintech How To Innovation System 195

Abrigo

APRIL 22, 2024

Recent dynamics of the small business lending market A deep understanding of the small business lending landscape and potential efficiencies can help banks and credit unions grow their portfolios. You might also like this guide for smarter, faster small business lending.

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Lending St. Louis Community Marketing 243

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). Think about the wild ride that Silvergate Bank has taken with its crypto strategy.

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Fintech Customer Experience Conference Technology 167

Abrigo

MAY 5, 2022

Banking Transformed Banking Transformed by the Financial Brand’s Jim Marous has new episodes several times a month and features executives from financial institutions, financial technology firms, authors, consultants, and other experts in the banking industry. Lending & Credit Risk. Lending & Credit Risk.

Community 195

Community Lending Maine Resources 195

Independent Banker

MARCH 31, 2022

Whether achieved by internal or external resources, community banks provide valuable support for small businesses. By providing “bonus” services to small businesses, such as startup loan programs and referral services, community banks prove themselves to be reliable financial partners, with mutually beneficial results.

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Community Bank Wisconsin Community Resources 91

Abrigo

MARCH 6, 2015

Thursday also served as a preview for their shareholders of what’s to come next Wednesday, when the Fed announces whether it has approved of each bank’s plans to return some of the reserved capital to shareholders, following the positive results.

Risk Management 150

Risk Management Capital Community Bank Regulation 150

Jack Henry

SEPTEMBER 19, 2014

At the opposite end of the spectrum, over 60 percent of community bank customers lose money for their institutions. Exhibit 1 illustrates the required loan rate to achieve a constant return on allocated capital for loans of different sizes: Exhibit 1: Rate Necessary to Achieve a Constant Return on Allocated Capital.

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Strategy Community Bank Community Capital 112

Abrigo

MARCH 23, 2015

It is only natural for community banks to have loan concentrations that result from the market(s) they serve and the markets they pursue. In today’s times, a high commercial real estate (CRE) concentration is often the result of community banks pursuing opportunity in the market.

Community Bank 150

Community Bank Risk Management Community Analysis 150

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.

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Community Bank Community Montana Taxes 172

Independent Banker

DECEMBER 31, 2022

We recently spoke with community bank CEOs from across the country to gain insights on how they’re proactively positioning to manage risks and take advantage of growth opportunities in the coming year. Following some respite in 2022, community bankers are bracing for a tougher economic landscape ahead in 2023. Corey Neil.

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Community Bank Community Tampa North Carolina 91

South State Correspondent

SEPTEMBER 20, 2022

Most banks will target around 6% of revenues next year for their marketing budget, and banks with strong brands and marketing programs target above 7%. There were two educational overviews to help bankers better understand the current state of crypto, blockchain, digital assets, and NFTs in banking.

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Conference Marketing social media Data 195

Abrigo

AUGUST 5, 2020

Many of the goals and strategies financial institutions had put in place earlier this year have been upended by the coronavirus pandemic. Now, banks and credit unions must determine how to safely and effectively manage risk in the portfolio while also driving growth at their institution. Asset/Liability. Portfolio Risk & CECL.

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Management Risk Management Trends Industry 195