Independent Banker

JANUARY 31, 2022

Southern Bancorp partners with other community banks to increase loan accessibility and financial literacy to low-income customers. As CEO of Southern Bancorp, Darrin Williams wants to promote relationships between community banks and CDFIs to create more prosperous communities. Better serving its communities.

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South State Correspondent

FEBRUARY 22, 2024

Banks consistently produce under their cost of capital. For example, at present, return on equity performance is about 12% for the average community bank. However, for the average bank, their cost of capital is between 9% and 14% depending on the bank’s equity liquidity with an average of 12.5%.

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Independent Banker

JANUARY 31, 2023

We have a blank page on which we can write our narrative over the course of the year, with new milestones filling the pages ahead. It’s a challenge to be sure, but it’s one that community banks have previously faced with strength. Together, we will write our 2023 story, one that will set community banks up for success.

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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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Jeff For Banks

MAY 9, 2024

Back in 2015, almost nine years ago, I wrote an article about banks building their own small business loan platforms. Getting much needed capital into the hands of small businesses that can lead their economies forward. I still find this to be a challenge at community banks. They want to grow small business deposits.

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Conference Community Bank Community Tools 110

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. American Bank, National Association.

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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.

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South State Correspondent

APRIL 19, 2023

Further, as more and more banks promote digital account opening and payments (like the forthcoming FedNow), these numbers are projected to shorten by another 10%+. We also want to note that a money market account’s performance is representative of a bank’s deposit base. This is one of the great mysteries of community banking.

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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. Some banks also segment customers along affinity lines such as veteran, woman, or minority-owned businesses.

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Conference Retail Community Bank Technology 195

Abrigo

AUGUST 28, 2022

One overall benefit of effective loan pricing is that it is one of the many ways a financial institution can optimize capital. Adams, supervising examiner at the Federal Reserve Bank of Philadelphia, pricing is a key underwriting factor that should be addressed as part of a sound loan policy. Make more informed loan pricing decisions.

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South State Correspondent

APRIL 6, 2022

Change 1: Cost of Capital and Capital Allocation. Back in 2020, banks’ capital cost was at a record low as it averaged a little under 6% for the industry. Now, the cost of capital has been up 44% since then. Below is our current weighted cost of capital for different-sized banks.

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American Banker

JULY 30, 2020

Now that its deal with Texas Capital has been called off, Independent Bank in McKinney plans to scale back or exit some commercial lines and will seek to duplicate its retail banking successes in Colorado.

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Independent Banker

APRIL 27, 2016

Community bankers should merrily clink goblets with the very people and institutions that, by their reckless greed and arrogant abuse of concentrated power, pushed the nation’s economy into financial freefall? A freefall that shattered millions of families’ lives and futures, along with hundreds of steadfast community banks on Main Street.

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Community Bank Community Maine Course 71

Abrigo

MAY 5, 2022

Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S. or largely focused on the domestic banking market. So here’s your head start on finding some banking podcasts that might work for you. Banking Transformed 2. Banking with Interest 4.

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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.

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Independent Banker

DECEMBER 29, 2015

Community bankers offer real-world reasons for more Basel III relief. Nearly one year after the Basel III capital rules went into effect, community bankers say that now recognize just how much more complex and how much more difficult this new set of capital rules will make life and business for them if they remain in place.

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Community Bank Community Capital Lending 70

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. billion from $515.3 billion between Dec. But this year, only 15% described core deposit growth as a “very important” risk.

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South State Correspondent

OCTOBER 26, 2023

The catalyst was likely a panel led by the CEO of Taktile (AI Underwriting), a Partner from Bain Capital, a partner for Andreessen Horowitz, the chief data scientist from Branch International (digital banking fintech for India and Africa), and a tech correspondent for CNBC.

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Independent Banker

AUGUST 26, 2015

A New Accounting Twist—ICBA’s accounting expert James Kendrick tells community banks to closely watch for the Financial Accounting Standards Board’s pending new standards for recognizing credit losses, much earlier than currently required. Under the FASB plan, banks would instead take a hit the moment they make a loan.

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Independent Banker

FEBRUARY 16, 2015

These reforms—one enacted by Congress, another by regulators—are designed to improve access to capital and to even reporting requirements for community bank and thrift holding companies. Of course, this flurry of activity did not originate in a vacuum. Getting up to par. Persistence pays off.

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PYMNTS

JULY 25, 2017

For value, the Federal Reserve estimates that a college grad will make about $830,000 over the course of a lifetime; the Georgetown University Center for Education and the Workforce estimates the value at around a cool million. There are currently 13,000 community banks in the U.S., New Financing — New Growth.

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Lending Community Bank Millennials Community 100

Jeff For Banks

NOVEMBER 19, 2014

Her answer: lack of capital. The above chart is from a Federal Reserve Bank of San Francisco Economic Letter: Slow Business Start-ups and the Job Recovery published in July. But in strategic planning retreats that I moderate, community financial institutions insist that they lend to small businesses. Some took offense.

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Independent Banker

JANUARY 26, 2016

Of course, community banks are the primary economic engines behind small businesses on Main Street America, funding more than 60 percent of all small-business lending. This is a mindset shift for communities. Entrepreneurs are the ones who will transform the community.”. Create an Entrepreneurial Community.

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Miami Community Bank Community Resources 70

Independent Banker

FEBRUARY 24, 2016

Just about every community bank makes commercial real estate loans. A whopping 95 percent of ICBA members are active commercial real estate (CRE) lenders, according to the latest ICBA Community Bank Lending Survey. He adds that regulators and bank management need to act to prevent those risks from becoming reality. “We

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Community Bank Lending Community Regulation 70

Abrigo

JUNE 11, 2021

Measurement plays an important role in ensuring that interest rate risk doesn’t threaten a financial institution’s earnings and capital. As recently as May 2021, regulators identified interest rate risk as among the key risks in the economy, financial markets, and the banking industry that could affect insured institutions.

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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. Shirley Nelson , Summit Bank. Bank Headquarters: Oakland, Calif.

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Jeff For Banks

DECEMBER 28, 2023

I work for The Kafafian Group, a community bank consulting firm based in Bethlehem, Pennsylvania. Many of my readers might not know what my firm does, so I want to dedicate this post to the problems we help community bankers solve. With a well thought out plan, course modifications can be made with confidence.

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Groups Capital US Community 85

Independent Banker

JANUARY 28, 2016

As in past years, community bankers will have a dynamic regulatory environment to contend with in 2016. Safety and soundness concerns will remain a prominent driver of that supervisory dynamic for community banks. What should community banks anticipate here? Anticipating safety and soundness exam issues in 2016.

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Community Bank Community Regulation Lending 70

Independent Banker

FEBRUARY 16, 2015

From opposite political directions, Senators Shelby and Brown stand on point to greatly influence community banking’s agenda in the next Congress. The mix of contrasts and similarities of Shelby’s and Brown’s perspectives and policymaking portend an active session for community banking’s agenda in the new 114th Congress.

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Independent Banker

SEPTEMBER 21, 2015

Under the right circumstances, providing residential mortgages that fall outside of the new federal Qualified Mortgage definition could help a community bank grow its lending, some community bankers say. a $613 million-asset community bank serving central and northern Wisconsin that engages in non-QM lending.

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Community Bank Lending Community Survey 70

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. Now, they are focused on expanding those relationships.

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Abrigo

JANUARY 29, 2016

One overall benefit of effective loan pricing is that it is one of the many ways a financial institution can optimize capital. Adams, supervising examiner at the Federal Reserve Bank of Philadelphia, pricing is a key underwriting factor that should be addressed as part of a sound loan policy. See the PDF: Section 2040, page 265.)

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Capital Philadelphia Policies Strategy 150

Jeff For Banks

APRIL 25, 2014

This all comes with fewer banks than there were in 2007. Investment bankers will tell you the definitive answer, which is of course their opinion. So I thought it would be instructive to take a look at what selling bank CEO''s say in the press release when they announce they are turning over the keys to someone else. "Our

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Jeff For Banks

APRIL 26, 2013

Conventional wisdom : The onslaught of new banking laws, regulations, and regulatory activism requires scale to absorb costs. Or, the rapid pace of technological change and the sophistication of hackers requires resources not found in small community banks. And in banking, lots of exceptions. respectively. respectively.

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Community Bank Community Retail Capital 98

PYMNTS

MAY 27, 2020

The pandemic has accelerated the digital roadmap for everyone in financial services, giving rise to more innovation in the past few months than had been seen over the course of several years. And as HMBradley’s Bruhnke told Webster, “I always joke that I don’t understand what traditional banking is.

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Fintech Innovation Digital Banking FDIC 236

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. We manage charitable and personal trusts, IRAs and, of course, settle estates. Photo by Aggie Brooks. Les Leskoven. in Corsicana, Texas.

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South State Correspondent

JULY 25, 2022

Loan Pricing: Loan pricing has increased in the capital markets, yet bank loan pricing has continued to compress. As rates rise, many banks have seen an increase in prepayments as borrowers liquidate their property and get out of the market or take longer-term fixed-rate loans to protect them against rising rates. Asset Quality.

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