South State Correspondent

AUGUST 21, 2023

That publication was referenced in the media as a US bank rating action, with a downgrade to ten larger banks (and a negative outlook to 11 other larger banks). However, that publication, directly and indirectly, identified three discrete risks affecting community banks.

Community Bank 195

Community Bank Community Capital Analysis 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. I went to work for a community bank, kind of by accident, and found the job love of my life,” he says. “I That love of community has defined his career.

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Community Community Bank Georgia San Antonio 172

South State Correspondent

OCTOBER 4, 2023

In an article last week ( Here ), we discussed how the higher-for-longer interest rate environment will affect the community bank sector. We argued that community banks must learn to improve performance in a low-growth environment for the foreseeable future.

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Community Bank Community Capital Comparison 195

Banking Exchange

OCTOBER 26, 2020

Specialist financial services investor FJ Capital says the economic recovery and ultra-low interest rates make for ideal merger and acquisition conditions Management M&A Feature Feature3 Community Banking.

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Community Bank Community US Capital 60

South State Correspondent

APRIL 4, 2024

However, because bank capital has an average expected life of 15 to 20 years, bank managers must gauge and react to secular changes that will impact their business model. Federal Debt – Impact Banking The path of the federal debt is already changing economic and public dynamics.

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Risk Management Community Bank Policies Community 195

South State Correspondent

JUNE 30, 2023

Many banks pride themselves on superior customer service, and approximately 90% of all community banks believe that they provide an above-average level of customer service (the math cannot work that way). There are several ways for bank managers to address this issue and better align relationship pricing with bank profitability.

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Resources Community Bank Capital Community 195

Independent Banker

APRIL 1, 2021

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.

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Community Community Bank Taxes Capital 103

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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Community Bank Community Compliance CA 195

South State Correspondent

MARCH 28, 2023

Empirical evidence, historical bank failures, and common sense teach us that many risks do not translate to higher yields. This article will compare pay-for-risk vs. relationship banking business models for community banks. Over time, the market does not adequately compensate banks for credit and interest risk.

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Community Bank Community Management Marketing 195

South State Correspondent

OCTOBER 17, 2022

In a previous article ( HERE ), we discussed the concept of Funds Transfer Pricing (FTP), why systemically important banks and large regional banks incorporate FTP, and why community banks should also consider implementing FTP. bank about loan pricing. FTP Attribution – A Specific Loan Example.

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How To Community Bank Community Capital 195

Banking Exchange

JUNE 9, 2021

The latest C-suite appointments at US banks Management Feature Human Resources Feature3 People Community Banking.

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Texas US Capital Community Bank 78

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.

Community Bank 195

Community Bank Community Analysis Industry 195

Jeff For Banks

AUGUST 2, 2021

Many of those original employees are still with us. 22/ @Schornack.and really guide what the items keeping me up at night are within our banking organization. It covers the high risk clients, the cash flow and capital needs of the organization, our employees, and many other items as the come forward to drive conversation.

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Community Bank Community Minnesota Metro 78

South State Correspondent

SEPTEMBER 12, 2022

The banking industry’s cost of funds (COF) is highly correlated to short-term interest rates. However, as of Q2/22, the average community bank’s COF has risen only a few basis points. The COF over the past five quarters is shown for three asset peer groups: banks under $1B (3.5k using that six-month lag.

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Community Bank Community Industry Online 195

Banking Exchange

DECEMBER 21, 2021

Virginia-based bank surpassed industry average score, but four US banks fall short Retail Banking Feature Feature3 Customers Community Banking.

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Virginia Capital Community Bank Community 78

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. Zachary, La.

Community Bank 239

Community Bank Community Industry Texas 239

Independent Banker

DECEMBER 31, 2022

And with 2023, we have no shortage of adventures awaiting us. It’s a challenge to be sure, but it’s one that community banks have previously faced with strength. In fact, this is when community banks shine, bringing stability to customers simply by being relationship bankers who see them and know them.

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Community Bank Community Resources Tools 159

South State Correspondent

JANUARY 3, 2023

Despite reaching the highest profitability in over a decade in 2022, US banks overall trade at a discount to other sectors as measured by P/E or P/Book, and approximately 53% of US banks have earned less than their cost of equity over the last five years.

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Community Bank Community Data Marketing 221

Independent Banker

JUNE 30, 2022

Working through any difficulty or crisis at your community bank won’t be a walk in the park, but it may lead to an experience for which you’re truly grateful. As a community banker, you’re either going through a crisis or you’re preparing for one. And today, CAMELS are a main area of focus for our bank. My top three.

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Community Bank Community Lending Training 171

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 above shows that by hedging a commercial loan, community banks can earn about the same starting adjustable rate as the fixed rate a borrower is paying.

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Lending Community Bank Community Meeting 195

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. ARC is custom designed to allow community banks to compete anywhere on the yield curve. Current Risk in Term Lending.

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Lending Community Bank Community Meeting 195

South State Correspondent

MARCH 13, 2023

While we will cover the general lessons HERE , in this article, we wanted to focus on the root cause – how and why interest rate risk caused the second-largest bank failure in US history (Washington Mutual was the largest in 2008). Notably, most community banks’ duration risk is in the loan portfolio.

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Risk Management Management Community Bank Community 221

Independent Banker

SEPTEMBER 30, 2018

With the 10th anniversary of the Wall Street financial crisis just behind us, let us not forget the wrongdoings of the nation’s largest and most systemically important banks—wrongdoings that led to the Great Recession and the undoing of one too many American dreams. Where I’ll be this month.

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Community Memphis Tennessee Community Bank 79

Independent Banker

MARCH 31, 2022

One Community Bank’s 30-year relationship with All-Color Powder Coating is carried on by banker Steven Erickson (left) and Dan Anderson. Whether achieved by internal or external resources, community banks provide valuable support for small businesses. To achieve this, community banks use a number of strategies.

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Community Bank Wisconsin Community Resources 91

Independent Banker

NOVEMBER 30, 2021

First Southwest Bank is carving out new business models to address a need for credit and financial services through nonprofit lending programs and software that leverages its community development financial institution (CDFI) funding. First Southwest Bank isn’t one to borrow a page from another bank’s playbook.

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Colorado Community Bank Community New Mexico 119

TheGuardian

SEPTEMBER 27, 2023

Since the company was founded in 1800 in Rhode Island, the bank has never offered its home loan services at a branch location in a majority-Black or Latino neighborhood throughout the state, including in the state capital of Providence, where the vast majority of the state’s Black and Latino population live. Continue reading.

Rhode Island 77

Rhode Island Lending Washington Community Bank 77

Independent Banker

DECEMBER 31, 2022

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. billion-asset Bank of Tampa in Tampa, Fla. Chris Doyle, Texas First Bank. Photo by Juan Moyano/Stocksy. Quick Stat.

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Trends Payments Community Bank Texas 140

Jeff For Banks

FEBRUARY 12, 2024

Perry's perspective is clearly focused on shareholder value and may be viewed as shareholder primacy, a sometimes derogatory term because pursuing shareholder value could be done at the expense of other stakeholders, such as employees, customers, and communities. Raised capital in late 2019. 14/25 Capital priorities for banks: 1.

Columbus 108

Columbus Indianapolis Capital Community Bank 108

Independent Banker

OCTOBER 31, 2020

“We are poised to lead the charge in striking the right balance of technology and connection for our customers and communities.”. This conundrum presents a significant opportunity for community bankers. ICBA offers resources to support community banks in telling their stories. A year ago, I had a smattering of them.

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Community social media Community Bank US 163

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

South State Correspondent

APRIL 3, 2023

Empirical evidence, historical bank failures, and common sense teach us that many risks do not translate to higher yields. The second article compared and contrasted community banks’ pay-for-risk and relationship business models. Top-performing community banks deploy relationship banking.

Community Bank 195

Community Bank Community Lending Marketing 195

Independent Banker

JANUARY 31, 2023

And with 2023, we have no shortage of adventures awaiting us. It’s a challenge to be sure, but it’s one that community banks have previously faced with strength. In fact, this is when community banks shine, bringing stability to customers simply by being relationship bankers who see them and know them.

Community Bank 91

Community Bank Community Resources Tools 91

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).

Community Bank 195

Community Bank Community Lending Regional 195

PYMNTS

APRIL 24, 2020

But for all the complexity, confusion and ongoing questions, Walker Insurance Agency CEO Larry Walker III said the PPP is an incredibly important contribution to the economy at large and community banks are absolutely critical in making that contribution possible.

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Community Bank Community Fintech Georgia 175

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

Independent Banker

DECEMBER 1, 2021

Under the leadership of CEO Randell Leach, Beneficial State Bank is pursuing an ambitious mission of financial activism and strong corporate values. The idea that community banking can be a force for positive change is at the heart of Beneficial State Bank, which engages its customers through financial activism.

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Oakland Community Community Bank Leadership 153