PYMNTS

JUNE 7, 2018

Community banking can be one of the most rewarding and most challenging areas of financial services in which to work — that’s the view, anyway, of Rebeca Romero Rainey, president and CEO of Independent Community Bankers of America (ICBA) , who recently joined the nation’s leading advocacy organization that exclusively represents community banks.

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Bank Innovation

JUNE 19, 2018

Finastra, which was formed from the union of Misys and D+H, and calls itself the world’s third largest fintech company in the world, has acquired American software company Malauzai in an attempt to strengthen its foothold in the American banking market.

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South State Correspondent

MARCH 19, 2024

We continue this theme of major drivers of loan and bank profitability and discuss the importance of cross-selling and upselling, and its impact on bank performance. In a future article we will discuss how community bankers may structure their commercial loan products to maximize cross-selling and upsell opportunities.

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Independent Banker

AUGUST 31, 2022

Social payments methods like Venmo and Cash App continue to grow in popularity, and the data is there to prove it, creating an opportunity to give customers what they want: 24/7 access to cashless, P2P and mobile transactions. So how do social payments fit in community banks’ long-term future? Illustration by Filo/iStock.

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Capital Payments social media Community Bank 94

PYMNTS

JANUARY 9, 2018

Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index. Here, again, lies another opportunity for community banks to fill the void. We urge you to make such legislation a priority.”.

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BankInovation

JULY 12, 2022

Goldman Sachs Transaction Banking recently partnered with capital markets technology derivatives services provider Derivative Path to offer regional and community banks access to in-house foreign exchange (FX) capabilities in markets they historically did not have access to.

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South State Correspondent

JANUARY 16, 2024

Barings Bank, Orange County (CA), Enron, Long-Term Capital Management, and other entities misused derivatives or didn’t understand the difference between hedging and speculating. Some bankers will soon hear about another example of banks using derivatives that, unfortunately, will lead to losses. No ISDA documents.

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PYMNTS

SEPTEMBER 24, 2020

smaller community banks and credit unions (CUs) stepped up to the plate and, according to the Small Business Association (SBA), ended up facilitating more than half of PPP loan volume to SMBs. That's good news for community banks and credit unions, which could see a wave of new SMB customers and members in the coming months.

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PYMNTS

NOVEMBER 17, 2017

Think of banking and you might think of lending and deposits, where firms make money on the spread between what they pay savers and what they take in from borrowers. But banks cannot live on interest alone. Additional financial products and services must round out traditional banking activities.

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Independent Banker

DECEMBER 31, 2022

The payments landscape is evolving, and customers’ needs are changing. Here’s how community banks can enhance their payments offerings. of banks’ revenues come from payments. Payments account for up to 30% of bank revenue, and that income stream is under attack. Top trends in payments.

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Trends Payments Community Bank Texas 140

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.

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Independent Banker

DECEMBER 31, 2022

I’m amazed at the pace of change occurring in all areas of financial services, from instant payments to more digital solutions and beyond. 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

NOVEMBER 2, 2022

This has caused more of a yield curve inversion and is a prime opportunity for community banks to use a loan hedging program to offer fixed-rate loans for 20 years. The table below shows what banks can earn in the ARC program vs. what borrowers pay using P&I payment for a 25-year amortization schedule on a $1mm loan.

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South State Correspondent

FEBRUARY 27, 2022

At SouthState, we use a program called ARC (Assumable Rate Conversion) that allows borrowers to pay a fixed rate of interest for as long as 20 years, but the bank retains a floating rate asset. The table below shows current fixed-rate pricing and P&I payment using a 25-year amortization schedule on a $1mm loan for 3 years out to 20 years.

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South State Correspondent

AUGUST 8, 2023

We estimate that approximately 50% of the community banks in the industry have a credit department that exerts influence or sets standards on loan pricing. While this process appears appropriate and benign, it increases credit risk, decreases bank profitability, and undermines the proper function of bank credit/yield tradeoff.

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South State Correspondent

JANUARY 3, 2023

The lack of relationship between NIM and ROA results from the other factors that are more important to bank profitability, such as loan credit quality, loan size, and relationship value. However, NIM is one of the least important attributes specific to loan performance and the general profitability of the bank.

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South State Correspondent

APRIL 10, 2023

CRE Risk Background While ten years ago, community and regional banks use to make up some 55% of the CRE market, in 2023, these banks now compose approximately 72% (below). The risk here is that community banks continue to take on an above-average amount of CRE credit exposure. touched off a wave of bankruptcies.

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South State Correspondent

FEBRUARY 18, 2024

An interest rate hedging strategy, specific hedge duration, amortization term, capital infusion covenants, and other loan structure requirements become more critical with higher leverage loans. debt yield, and the CRE capitalization (cap) rate is 7.00%. CRE loans are almost always highly leveraged, and this loan is no exception.

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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. and global payments platform Currencycloud have partnered. Siam Commercial Bank, the World Bank’s International Finance Corp.,

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PYMNTS

DECEMBER 8, 2020

Capital One Halts BNPL Transactions On Its Credit Cards. Capital One Financial Corp is putting a stop to buy now, pay later (BNPL) transactions on its credit cards, calling the dealings “risky for customers and the banks that serve them.”. Synctera Brings 'FinTech As A Service' To Community Banks.

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PYMNTS

NOVEMBER 25, 2020

Today in B2B payments, Barclays debuts a corporate trade finance platform, and Adobe introduces B2B data capabilities on its real-time Customer Data Platform. Plus, Zact introduces its expense management solution, Monit adds new small business Banking-as-a-Service features and Plaid teams up with Jack Henry. 24) announcement.

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PYMNTS

FEBRUARY 2, 2020

The offering is structured so that the community can put as little as $10 directly into the business. This, in turn, gives the business a quicker avenue to get capital. The new finance model offered by SMBX enables small businesses the ability to offer bonds to the public without having to use banks and pay regulatory fees.

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Community Community Bank Capital Marketing 130

Banking Exchange

MAY 26, 2021

Customers Bank, Capital Bank and Community 1st Credit Union among the latest to embrace financial technology Technology Financial Trends Payments Feature3 Fintech Feature Lines of Business Tech Management Mobile Online Cards Blockchain PPP Covid19 Community Banking.

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Independent Banker

JANUARY 31, 2023

I’m amazed at the pace of change occurring in all areas of financial services, from instant payments to more digital solutions and beyond. 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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Community Bank Community Resources Tools 91

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

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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South State Correspondent

AUGUST 8, 2022

Insights Based on 2Q Bank Earnings. Insight #1 – Deposit & Margin Management: Deposit runoff has started and will make it to community banks by October. For 2Q, larger community banks lost about 0.3% of their deposits, and small banks were either flat or continued to gain.

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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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PYMNTS

JUNE 26, 2020

But as difficult a time as it’s been, it’s not utterly devoid of good news or silver linings, Amol Helekar , principal at investment firm TCV , told Karen Webster during the latest This Week In Payments conversation. I’d say that the businesses certainly have been impacted by shelter-in-place restrictions and the economic slowdown,” he said.

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Payments Software Trends Digital Marketing Channels 176

PYMNTS

DECEMBER 11, 2020

Retroactive Jobless Payments A Sticking Point In Coronavirus Stimulus Talks. Capital One Halts BNPL Transactions On Its Credit Cards. Capital One Halts BNPL Transactions On Its Credit Cards. PayPal has introduced QR code payments in iZettle’s point-of-sale app in the U.K.

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Trends Fraud Millennials Community Bank 175

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. The average life numbers shrink dramatically.

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PYMNTS

AUGUST 3, 2020

BBVA USA is collaborating with Google to offer consumers a digital bank account through Google Pay. The Alabama-based bank holding company said the partnership is key to its strategy? of growing the bank throughout the U.S. banks and credit unions that have signed on to offer checking and savings accounts through Google Pay.

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PYMNTS

JULY 8, 2020

With commercial cards an increasingly popular choice in the B2B payments space, industry innovators are exploring pockets of opportunity to drive adoption through mitigating friction. Below, PYMNTS rounds up the latest in commercial card innovation as solution providers continue to drive up card usage in B2B payment scenarios.

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Cards Capital Innovation Payments 132

Bank Innovation

FEBRUARY 11, 2019

Cambr, a cloud-based platform powered by investment firm StoneCastle and digital banking software provider Q2 Holdings, is helping neo-banks and fintechs launch and scale up through a network of 850 community banks.

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Community Bank Community Software Innovation 170

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. We are in awe. Seriously in awe.

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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. Generational wealth typically starts with home ownership,” says Doug Schaeffer, Woodforest National Bank’s executive vice president and executive director, CRA.

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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.

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