South State Correspondent

JANUARY 30, 2023

Rising funding costs and decreasing liquidity at community banks are causing managers to change pricing methodology for new credits. We estimate that 25% to 50% of community banks have a policy requiring minimum yield or credit spreads for new commercial loans.

Community Bank 195

Community Bank Community Strategy Management 195

Gonzobanker

SEPTEMBER 21, 2023

NYMBUS secured Series D financing (led by Insight Partners), partnered with Hurdlr for small business banking; with Atty Bank, Saint Louis Bank ’s legal community bank; and with Roger, Citizens Bank of Edmond ’s military niche bank. Finastra partnered with Glia for digital customer service.

Fintech 103

Fintech Software Illinois Lending 103

Independent Banker

APRIL 30, 2022

During the pandemic, many community banks needed to change how they operated. For this and other reasons, now is a good time to review and refresh articles, bylaws and committee charters to ensure resilience and bolster risk management. But if they see it as a risk management tool, it’s a game changer.

Oregon 91

Oregon Community Bank Community Meeting 91

Abrigo

FEBRUARY 12, 2020

The main drivers of expected CRE growth in 2020 are: Low interest rates Continued job growth and low unemployment Moderate consumer spending growth Abundant capital and return-seeking investors/lenders, and Increased property values (albeit slowing in appreciation). “2020 could be a pivotal year for the U.S.

Lending 195

Lending Trends FDIC Survey 195

Abrigo

APRIL 1, 2015

A recent Wall Street Journal article by Victoria McGrane and Jon Hilsenrath highlighted how the nation’s regulators are increasingly questioning and turning their focus toward bank boards. These smaller banks have also seen new, and more frequent, attention from regulators. How complex is the bank’s operating model?

Risk Management 150

Risk Management Community Bank Regulation Boston 150

Independent Banker

FEBRUARY 24, 2016

Community banks cannot afford to ignore the staggering pace of lending adoption by both individuals and businesses using digital-only platforms from various nonbank technology-based specialty lending firms. But community banks should not be without hope, nor should they underestimate the significance of customer relationships.

Community Bank 70

Community Bank Community Lending FDIC 70

Independent Banker

NOVEMBER 25, 2015

Regardless of the name, nonbank technology firms are wedging themselves between community banks and their customers by offering a slew of traditional and nontraditional banking products. This is why ICBA and community banks must continue to push consistent regulation of bank and nonbank financial service providers.

Community Bank 70

Community Bank Community Analytics Lending 70

Abrigo

MAY 5, 2022

Thankfully for bank and credit union executives, lenders, risk managers, and Bank Secrecy Act (BSA) Officers, banking podcasts and podcasts for credit unions are plentiful, and options are growing. BankTalk BankTalk by Remedy Consulting posts twice-a-month episodes for both banks and credit unions.

Community 195

Community Lending Maine Resources 195

Jeff For Banks

JUNE 2, 2023

Finally, resolution of failing financial institutions requires that the deposit insurance fund be strongly capitalized with real reserves, not just federal guarantee.” To you, manage your interest rate risk. Before becoming desperate and trading interest rate risk for credit risk. Let those numbers sink in a bit.

FDIC 78

FDIC Community Bank Regulation Lending 78

Independent Banker

DECEMBER 13, 2015

Previewing an easier-to-use format of the FFIEC’s IT security assessment. Bad news: In its original form, it’s awkward to use—and may become part of those dreaded IT security exams. At the Bank of Luxemburg, a $290 million-asset community bank in Luxemburg, Wis., Risk levels have a five-point range.

Tools 70

Tools Community Community Bank Security 70

Independent Banker

NOVEMBER 24, 2015

Previewing an easier-to-use format of the FFIEC’s IT security assessment. Bad news: In its original form, it’s awkward to use—and may become part of those dreaded IT security exams. At the Bank of Luxemburg, a $290 million-asset community bank in Luxemburg, Wis., Risk levels have a five-point range.

Tools 70

Tools Community Community Bank Security 70

Abrigo

APRIL 22, 2024

Almost half sought credit to grow their businesses, and 28% applied to make repairs or replace capital assets. While small business loans inherently benefit business owners, they also benefit communities, according to 2021 research for the SBA. At the same time, 59% pursued credit to meet operating expenses. economic ecosystem.

Lending 243

Lending St. Louis Community Marketing 243

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

CB Insights

FEBRUARY 20, 2020

Two of the most recent unicorns are vertical payments processor Flywire , which raised a $120M Series E from Goldman Sachs, Temasek, Tiger Global, and Adage Capital Management in February 2020 at a $1B valuation, and point-of-sale payments startup Pine Labs, which closed a corporate minority round from Mastercard in January 2020 to reach a $1.6B

Fintech 80

Fintech US Lending Cards 80

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. 9) Brand Matters: SVB had one of the best brands in banking.

social media 195

social media FDIC Branding Management 195

Jeff For Banks

MAY 4, 2020

Readers note: You can also view this post on Penn Community Bank's website. They also implemented large, aggressive borrowing and purchase programs for Treasuries, Agency mortgage backed securities, corporate bonds, municipal bonds, loans, commercial paper, bank lending, and small business loan programs. Click here.

Marketing 78

Marketing Philadelphia Community Bank US 78

South State Correspondent

JANUARY 30, 2024

IT is spending as a percentage of revenue compared to years past, like 2019, when banks did not invest enough in IT, and 2020, when banks had to spend more than revenue growth allowed because of the pandemic. Benchmarking can help banks better optimize capital as it gives bank management a sense of what the average is for the industry.

Capital 195

Capital Operations Customer Experience Comparison 195

Independent Banker

JUNE 30, 2022

Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. But as they always do, they came through for individuals and businesses in their communities with a combination of personalized service and prudent risk management practices. Red River State Bank.

Community Bank 172

Community Bank Community National Philadelphia 172

Abrigo

MARCH 24, 2021

Growing loans, earnings are banks' top challenges in 2021. The top banking challenges in 2021 are growing loans and earnings, according to Independent Banker’s recent 2021 Community Bank CEO Outlook survey. Capitalize on the momentum you gained during 2020. Lending & Credit Risk. Credit Risk Management.

Lending 221

Lending Technology Survey Examples 221

Gonzobanker

DECEMBER 22, 2015

Community bank marketing resources. With market opportunity heating up and big bank and big credit union competitors hitting hard, too many community banks lack marketing resources … or they have 2X more spending in sponsorships than the campaigns, analytics and digital sales improvements that actually bring in new business.

Community Bank 60

Community Bank Apple Community Technology 60

Gonzobanker

DECEMBER 14, 2023

Not the financial industry’s “Troublemakers ” – those regional and community banks, credit unions and supporting fintech entrepreneurs who continue to engage customers and communities and find niches that keep the grassroots of our country’s financial system alive and kicking. Grab some popcorn and watch.

Fintech 195

Fintech Community Regional Technology 195

Fintech Labs Insights

SEPTEMBER 1, 2015

BehavioSec enhances security without impacting the user experience. It is currently deployed at 20+ retail banks with over 500m transactions a year. Buzz Points partners with community banks and credit unions to reward consumers for buying local and banking local. Dynamics, Inc.

Company 12

Company Software Analytics Mobile 12