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Community banks are thriving in Texas

Independent Banker

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.

Texas 182
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Rebeca Romero Rainey: Focusing on our communities

Independent Banker

Unlike our credit union counterparts, we pay taxes, and those tax dollars are spent at home to ensure our communities grow. As we kick off Community Banking Month, I can’t help but reflect on that statement and the changes of this past year. The 2021 ICBA Capital Summit is going virtual at the end of the month.

Community 103
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The Effects of Inflation on CRE Cashflow

South State Correspondent

The variables that banks typically test are amortization periods, interest rates, vacancy rates, and lease rates. However, in the last 25 years, we have yet to see a community bank perform sensitivity analysis on inflation rates – for obvious reasons. We can change our assumption about revenue sensitivity to inflation.

Analysis 195
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Steal This 5-Step Banking Innovation Playbook from Gentle Monster

South State Correspondent

With financial hardship, competition from dominant players, and a startup budget, Gentle Monster faced many of the same challenges as a community bank. How Banks Can Leverage: Niche markets abound in banking, and community banks are in the perfect position to create a following on a national level should they desire.

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Banks Keep SMB Lending Gains Rolling

PYMNTS

“When you combine a strong economy, healthy retail demand and the willingness of small business owners to reinvest their savings from tax cuts, it creates a positive atmosphere for small business lending ,” said Rohit Arora, Biz2Credit CEO, in a statement. Business owners are bullish on the economy.”.

Lending 102
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Here Are 15 of the Best Deposit Marketing Campaigns Ranked

South State Correspondent

Few banks purchase the keyword, and fewer even produce organic content about the importance of businesses establishing an emergency reserve account funded by six months of operating expenses. Look for news events such as government shutdowns, tax law changes, or disaster preparedness to amplify your marketing.

Marketing 195
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Mr. Bank Investor, I Have Two Questions

Jeff For Banks

Anton Schutz, President and Chief Investment Officer, Mendon Capital Advisors. Anton formed and has led Mendon Capital for over 25 years. He is a regular contributor to CNBC and other respected news outlets on bank stock investing. So for the bank, the one important thing is A WAY TO MAKE THE COMPANY MORE PROFITABLE EVERY YEAR.