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. Unfortunately, this is both incorrect and often leads to bank underperformance. Why do banks use RAROC loan pricing models?

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How To Community Bank Community 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. A community bank may transact one or only a few balance sheet hedges over many years.

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How To Community Bank Community FDIC 195

Independent Banker

MARCH 31, 2022

Executive committee members tell us what advocacy issues they’ll be focused on during their terms, while board members share their words of wisdom for up-and-coming community bankers: themselves. To sum it up, these leaders are all in and all heart for community banking. We are not Wall Street banks—we are community banks.

Community Bank 239

Community Bank Community Industry Texas 239

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

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.

Community Bank 172

Community Bank Community National Philadelphia 172

South State Correspondent

MARCH 16, 2022

If banking had an Olympics, creating loan value would be an event. The recent Fed meeting, with its hawkish tone, makes the sport of loan value creation even more important. One element that many commercial banks attempt to differentiate with borrowers is the prepayment provision (or sometimes the lack of one). Alternatively.

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How To Community Bank Community National 195

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., now part of Bank of America, before moving to Griffin, Ga.,

Community 172

Community Community Bank Georgia San Antonio 172

Independent Banker

NOVEMBER 30, 2021

“Our mission as a CDFI, obviously, is serving low-income census tracts, as well as [helping] the population who haven’t been historically included in the banking world,” he says. Our nonprofit helps us to meet that goal.”. Many focus on providing capital to underrepresented groups. In 2020 alone, it invested $6.9

Colorado 119

Colorado Community Bank Community New Mexico 119

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. We asked ten banks how they define small business and where it reports and got different answers.

Conference 195

Conference Retail Community Bank Technology 195

CFPB Monitor

MARCH 30, 2020

This section further extends to the National Credit Union Administration (NCUA) the authority to increase to unlimited the share insurance coverage it provides on any noninterest-bearing transaction accounts to federally insured credit unions. section 552b) (Sunshine Act) with respect to the conduct of its meetings.

Regulation 122

Regulation United States Community Bank National 122

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.

Community Bank 70

Community Bank Tampa Community Washington 70

Independent Banker

JULY 28, 2016

Senate Banking Committee. She explained why lawmakers should exempt community banks from Basel III capital rule. Community bankers score big changes in final credit-loss standard. Speaking Out—ICBA Chairman Rebeca Romero Rainey (far left) testified in June before the U.S. By James Kendrick. Concessions stand.

Community Bank 70

Community Bank Community Connecticut Regulation 70

PYMNTS

APRIL 30, 2018

National Small Business Week is this week in the U.S., and finance experts are celebrating with new data on the state of the entrepreneurial community. But analysts from Bank of America, Square, Navcom and the National Association for the Self-Employed warn that challenges for some SMBs have reached new heights, too.

Taxes 144

Taxes America National Community 144

Abrigo

JUNE 5, 2015

The piece, titled “Why Banks Should Stop Fighting and Learn To Love Regulators,” suggests that while institutions of all sizes are grappling with increased scrutiny and regulation, the reality is that it is here to stay following the financial crisis. The practice of stress testing can also foster a more positive relationship with examiners.

Risk Management 150

Risk Management Community Bank Regulation Survey 150

Jeff For Banks

JULY 5, 2022

I was invited to speak at a bank client's annual meeting of shareholders on what I think a bank needs to do to thrive. They once held all of the keys to the banking kingdom. They are/were the business owners, demanders of capital and loans, and significant depositors. I'm bullish on community banking.

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Millennials Community Pennsylvania Community Bank 78

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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Conference Technology Las Vegas Trends 195

Abrigo

FEBRUARY 16, 2016

As nonprofits grow and expand their efforts, some financial institutions are providing capital to help organizations bridge any gaps between revenue and spending. notes that some nonprofits facing tighter funding from federal and state governments are turning to community banks for commercial loans and lines of credit.

Analysis 150

Analysis Lending Community Bank Community 150

South State Correspondent

MARCH 15, 2023

It turns out that confidence is more valuable than capital. While we wrote about the root cause of the failure of Silicon Valley Bank (SVB) HERE , the lessons of the current banking crisis go beyond interest rate risk management. The ratio would provide a bank’s current core capital position to risk-adjusted assets.

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social media FDIC Branding Management 195

South State Correspondent

MAY 31, 2023

For others, it might be fixing problems, aiding in retention, increasing customer satisfaction, gathering customer intelligence, or providing a meeting place for face-to-face interaction for events. Banks should have a clear and stated set of measurable objectives for their branches and then allocate capital accordingly.

Data 195

Data Branch Strategies Strategy Mobile 195

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.

Compliance 101

Compliance Regulation Community Bank Community 101

Independent Banker

JULY 29, 2016

Around the Table—Wisconsin community bankers work with legislative staff members on Capitol Hill during ICBA’s Washington Policy Summit. Keeping community banking interests front and center. 812) and the Community Bank Access to Capital Act (H.R. By Courtney Schoenborn. 1233 and S. 1523 and S.

Community Bank 70

Community Bank Community Washington FDIC 70

Jeff For Banks

DECEMBER 9, 2020

In response to this alarming tactic, the OCC proposed in November a rule to ensure fair access to banking services provided by national banks, federal savings associations, and federal branches and agencies of foreign bank organizations. The top 10 banks already control over 50% of all US banking assets.

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Lending Regulation Community National 78

CFPB Monitor

AUGUST 20, 2020

CFPB Director Kathleen Kraninger concurrently issued a related blog post explaining that the Bureau seeks to play a leading role in the national conversation about racial inequality by taking action concerning fair treatment and equitable access to credit. On July 23, 2020, the FDIC released a podcast entitled “The Role of Minority Banks.”

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Regulation FDIC Community Lending 78

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

Retail 103

Retail Study Online Mobile 103

Independent Banker

APRIL 28, 2016

Rasmussen: Yes, it is an honor to serve the Group 3 Banks in Texas, southern New Mexico and northern Louisiana for three more years. Group 3 includes the smallest banks in the state with the majority in rural areas. I do my best to be their voice at our Dallas meetings.

Dallas 131

Dallas Texas Houston Community 131

Independent Banker

FEBRUARY 16, 2015

Sherrod Brown (D-Ohio), two lawmakers tapped to lead the Senate Banking Committee for their respective parties, are both independent-minded senators who hold positive views on several priority community banking issues. Richard Shelby (R-Ala.) So I would say he’s open to things we are concerned about.”.

Community Bank 70

Community Bank Alabama Ohio Community 70

Jeff For Banks

MARCH 29, 2014

In preparation for meetings, I frequently read 10k''s. This was abundantly clear while I was reading a 10k and forgot the bank. These services are provided through a variety of delivery systems including automated teller machines, private banking, telephone banking and Internet banking.

Strategy 101

Strategy Texas San Antonio Fort Worth 101

Gonzobanker

DECEMBER 19, 2022

2022 was the year the fintech industry and venture capital firms figured out that banking is harder than everybody thought. Hats off to Thomas Shara at Lakeland and Tony Labozzetta of Provident for architecting the new $25 billion super-community bank in New Jersey. Core System Deal of the Year: Bank.

Community 216

Community Fintech Industry Innovation 216

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!

Idaho 181

Idaho Community Industry Strategy 181

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. National Award Recipient. Shirley Nelson , Summit Bank.

Oakland 98

Oakland Community Bank Community Industry 98

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. With clearance to move forward with its plans, the community banking landscape will see its first new industry player in years.

Community Bank 122

Community Bank Community FDIC Marketing 122

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

Tools 70

Tools Community Community Bank Security 70

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

Tools 70

Tools Community Community Bank Security 70

Jeff For Banks

APRIL 14, 2022

2019 Mehrsa Baradaran Baradaran, Mehrsa The Color of Money: Black Banks and the Racial Wealth Gap 2019 Neil Barofsky Barofsky, Neil Bailout: An Inside Account of How Washington Abandoned Main Street While Rescuing Wall Street 2012 Patricia Beard Beard, Patricia Blue Blood and Mutiny: The Fight for the Soul of Morgan Stanley 2007 Ben S.

America 78

America National Denver United States 78

Gonzobanker

DECEMBER 20, 2018

GonzoBanker of the Year – Large Banks. Although all banks faced stock headwinds in 2018, we give the nod to William Demchak at PNC Financial Services. PNC made a Gonzo move with a national digital expansion in 2018 with the unique idea of building a small number of branches in target metro markets like Kansas City and Dallas.

Fintech 105

Fintech Conference Innovation Community 105

American Banker

MAY 26, 2016

Large enough to meet the needs of most customers yet small enough to escape some of the Dodd-Frank Act's most onerous compliance expenses, banks with assets of $2 billion to $10 billion are more profitable, as a group, than their smaller and larger counterparts, according to an analysis by Capital Performance Group.

Analysis 50

Analysis Compliance Groups Meeting 50

NCR

MAY 26, 2016

Backbone of the economy, hallmark of innovation, true entrepreneurship, the face of free market capitalism—the clichés come tumbling out with speed and ease, at least in part because they’re completely true. Of course, besides the conglomerates and crowdfunding, there’s the old standby: the community bank.

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social media Resources Innovation Course 53