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

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 ). A graph for SouthState Bank appears below.

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Community Bank Community Analysis Industry 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.,

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Community Community Bank Georgia San Antonio 172

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. By Molly Bennett. Covington, Ind.

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Community Bank Community Industry Texas 239

PYMNTS

APRIL 14, 2020

To provide regional and community banks with a full-scale solution to manage and grow their FX programs, FinTech firm Derivative Path, Inc. Our industry-leading rates platform now combined with Currencycloud’s capabilities will make our offering even more powerful for our regional and community banking clients.”.

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Regional Community Bank America Community 181

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).

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Community Bank Community Lending Regional 195

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

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Colorado Community Bank Community New Mexico 119

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.

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How To Community Bank Community National 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.

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Community Bank Capital Training Lending 195

Independent Banker

AUGUST 31, 2022

Daniel Galindo, pictured, and Doug Schaeffer of Woodforest National Bank helped involve the community bank in providing funding for and access to affordable housing. Name: Woodforest National Bank. Doug Schaeffer, Woodforest National Bank. Doug Schaeffer, Woodforest National Bank.

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Austin Texas Community National 91

South State Correspondent

JULY 5, 2022

We concluded that obligors showing less than 1.50X DSCR would be most at risk, but the average community bank underwrites to 1.20X DSCR. Many bankers responded that their loan-to-values (LTVs) are low and expect that the secondary source of repayment will protect the bank’s capital. in December 2021).

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Management Capital US Community Bank 195

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

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.

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Community Bank Community National Fresno 196

Independent Banker

MARCH 31, 2019

. “Stepping into the unknown can help us accomplish great things.”. It’s always great to be with fellow community bankers, and now, as ICBA president and CEO, our members! Stepping into the unknown can help us accomplish great things. It helps us to flourish. for our ICBA Capital Summit.

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Washington Memphis Community Nashville 70

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 sat through almost every presentation and took pages of notes.

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Conference Retail Community Bank Technology 195

Jeff For Banks

AUGUST 3, 2020

For most of us, the onset of a recession means a time to assess the risk on our balance sheet, to tighten underwriting standards, and ramp up workout teams. Capital aplenty. Unlike 2008, banks were not the bane of our problems. Sure, community banks had little to do with liar loans or what was otherwise termed sub-prime.

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Community Bank Community Capital Analytics 88

Independent Banker

APRIL 28, 2016

Ruby Valley National Bank is not much different from other community banks, except our risk threshold is probably higher than most. Serving a marketplace with a population of 7,800, where cows outnumber people by five to one, our community bank has developed strong agricultural lending expertise.

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Community Bank Community National Lending 70

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. Photo by Dennis Burnett. By Mindy Charski.

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Texas San Antonio Community Bank Community 182

Independent Banker

APRIL 30, 2022

Here’s how community bankers can take advantage of various sectors—including SBA lending—over the next 12 months. Community banks that have struggled to grow their commercial loan portfolios over the past two years are optimistic that there are brighter days ahead this year and next. First Business Bank in Madison, Wis.,

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Lending Community St. Louis Community Bank 158

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.

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Community Bank Tampa Community Washington 70

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.

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Risk Management Community Bank Regulation Survey 150

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

Jeff For Banks

JULY 5, 2022

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 Gen X, the forgotten generation because we're a tad smaller than the generation above and below us. I'm bullish on community banking. Not your chairman.

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Millennials Community Pennsylvania Community Bank 78

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.

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Community Bank Community FDIC Marketing 122

Jeff For Banks

DECEMBER 7, 2019

I chose five years because banks that focus on year over year returns tend to cut strategic investments come budget time, which hurts their market position, earnings power, and future relevance than those that make those investments. Total return includes two components: capital appreciation and dividends. First Capital, Inc.

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Indiana Oregon South Dakota Community Bank 78

Independent Banker

AUGUST 27, 2015

Community National Bank & Trust of Texas. We have a very successful junior college, school district and hospital—the typical things that you would expect to see in a community. Tell us about that. We’ve trained them on what a prospect is, so they recognize that and they refer them to us. Les Leskoven.

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Community Community Bank Texas US 70

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!

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Idaho Community Industry Strategy 181

PYMNTS

JULY 20, 2016

But innovation watchers have been watching Rio and Brazil in general for some time as the nation increasingly becomes an incubator nation for FinTech development and talent. Valor Capital Group, former DHL Express US CEO Hans Hickler and Salazar are all previous investors who also participated in the round. “I

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New Jersey National Trends Community Bank 100

Jeff For Banks

DECEMBER 26, 2012

My method was to search for the best banks based on total return to shareholders over the past five years. capital appreciation and dividends. very specific, and refreshing given that so many banks cannot choose a specific niche for fear of alienating other constituencies. Texas Capital Bancshares, Inc. Well done! #3.

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Texas National FDIC Capital 79

Independent Banker

APRIL 28, 2016

Finally, I focus on economic news in our markets, which include five communities south of Houston. The news will focus on capital spending and job creation with an emphasis on Galveston Island, which is where our community bank’s headquarters and largest market is. IB: Tell us about HomeTown Bank.

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Dallas Texas Houston Community 131

Gonzobanker

DECEMBER 17, 2021

Bank Merger of the Year. Some interesting finalists would be: M&T and People’s United Old National and First Midwest Webster and Sterling Columbia Bank and Umpqua. Huntington and TCF merge to create the $170 billion Midwest dynamo and vault them into one of the top 10 banks in the country. The Bank That Gets Fintech.

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Fintech Strategy Leadership Lending 147

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.

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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. Iowa State Bank. American Bank, National Association.

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Community Bank Community National Philadelphia 172

Jeff For Banks

MARCH 3, 2010

Clearly, commercial banks’ exposure to real estate contributed to the rising number of bank failures. What brought us to this point? Commercial banks were the connoisseurs of commercial finance dating back to the National Banking Act of 1864. That Act did not permit national banks to lend on real estate.

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Lending Capital Community National 60

Jeff For Banks

MARCH 5, 2022

The federal stimulus also drove our national debt levels to over $30 trillion, or 123.4% The prices of just about everything that matters to us are rising- food, energy, medical care, housing and rent, new and used cars, electricity, clothing…the list can go on. Nominal GDP was +10.6% in the first quarter and grew to +13.9%

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Marketing Policies Community Bank Community 78

Gonzobanker

AUGUST 22, 2014

The number of banks will continue to shrink from the present 6,700, and we won’t ever see more banks than we have today. While we may see an uptick in the number of new bank charters from the near zero we have today, too many other industries with less regulation will attract capital. Best Practices Strategy'

Strategy 87

Strategy United States Community New York City 87

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