Gonzobanker

MAY 8, 2015

The annual LendIt conference was held last month at Times Square in New York City and GonzoLender descended boldly on the scene to evaluate the mysterious underbelly of digital lending. The lending attack on community banks and credit unions has been waged. I’ll repeat that: one credit union and one community bank.

Conference 60

Conference Lending Community Bank Community 60

Jeff For Banks

DECEMBER 16, 2022

Total return includes two components: capital appreciation and dividends. Before we begin and for comparison purposes, here are last year's top five , as measured in December 2021: #1. Silvergate Capital Corporation (NYSE: SI) #2. I changed this from 2,000 shares as it was pruning too many fine institutions. Nasdaq: MCBS) #3.

Puerto Rico 78

Puerto Rico Virgin Islands Community Community Bank 78

Gonzobanker

MAY 8, 2020

Using quarterly comparisons from last year’s performance, we forecasted each bank’s income statement as follows: Net interest margin contracted by 15 basis points Non-interest income declined 15% Loan loss provisions increased by 350% from the same quarter last year. 25% 140 banks will have capital levels that have fallen below 8%.

Lending 114

Lending Analytics Analysis Capital 114

South State Correspondent

JUNE 13, 2022

Banks that take too much risk fail, and banks that take too little risk produce returns below their cost of capital and either get acquired or driven out of business. The Comparison of Risk. Instantly, the cash flow for those businesses that many community banks lent to is impacted. Luckily, nothing became of it.

Risk Management 195

Risk Management Examples social media Management 195

PYMNTS

MAY 28, 2019

The company previously raised $111 million in venture funding from Accel, Bessemer Venture Partners, Square Peg Capital, Qumra Capital and others. Instead of needing to open and toggle between various brands’ mobile sites or apps, consumers can peruse a platform where those comparisons can be easily made.

Apple 159

Apple Mobile Fraud Branding 159

Jeff For Banks

DECEMBER 29, 2021

Total return includes two components: capital appreciation and dividends. Before we begin and for comparison purposes, here are last year's top five , as measured in December 2020: #1. Silvergate Capital Corporation (NYSE: SI) #2. Silvergate Capital Corporation (NYSE: SI) Here we are again. Live Oak Bancshares, Inc.

Capital 78

Capital Texas Metro North Carolina 78

Jeff For Banks

JUNE 2, 2023

More recently and by comparison, the mortgage meltdown and subsequent global financial crisis took down more than 500 banks between 2007 and 2014, with total assets of nearly $959 billion. The old borrow short, lend long strategy. Although community banks did not lend to sub-prime borrowers in any meaningful way, did we participate?

FDIC 78

FDIC Community Bank Regulation Lending 78

Jeff For Banks

DECEMBER 7, 2019

Total return includes two components: capital appreciation and dividends. Before we begin and for comparison purposes, here are last year's top five , as measured in December 2018: #1. billion in assets community bank with 22 branches that encircle the Seattle Sound. First Capital, Inc. Nasdaq: FCAP) First Capital, Inc.

Indiana 78

Indiana Oregon South Dakota Community Bank 78

Jeff For Banks

DECEMBER 29, 2020

Total return includes two components: capital appreciation and dividends. Before we begin and for comparison purposes, here are last year's top five , as measured in December 2019: #1. First Capital, Inc. Silvergate Capital Corporation (NYSE: SI) Here we are. This bank lends to startups without positive cash flow.

North Carolina 147

North Carolina Capital Community Bank Wisconsin 147

Independent Banker

APRIL 28, 2016

I also focus on budgets, loan and deposit growth, net interest margins, quarterly comparison reports, and the banker’s view of his or her local economy. Finally, I focus on economic news in our markets, which include five communities south of Houston. Our lending strongly supports our tourist economy.

Dallas 131

Dallas Texas Houston Community 131

Abrigo

SEPTEMBER 16, 2020

It is just a matter of capitalizing on the model’s abilities and leveraging it in a way to make the process simpler. Outside board members can often benefit from a review of these concepts, given that some are recruited for the position less for their financial expertise (or lack thereof) than for their community involvement.

Management 195

Management Strategy Tools Comparison 195

Abrigo

SEPTEMBER 16, 2020

It is just a matter of capitalizing on the model’s abilities and leveraging it in a way to make the process simpler. Outside board members can often benefit from a review of these concepts, given that some are recruited for the position less for their financial expertise (or lack thereof) than for their community involvement.

Management 195

Management Strategy Tools Comparison 195

Lex Sokolin

DECEMBER 3, 2020

It also helps that issuing governance tokens for a DAO creates market capitalizations and enterprise value for token holders. These are your industry comparisons. However, over the long term, it is much more difficult to retain a community and assets. Time will tell whether relying on an SEC speech is valid defense.

Community 52

Community Capital Security blockchain 52

PYMNTS

APRIL 2, 2019

But, Jung noted, that isn’t an entirely reasonably comparison – an iPhone that has been modified to display Chinese characters also won’t work all that well for a Chinese customer, but that isn’t a reason to infer that iPhones can’t work in China. These borrowers are often going to be excluded as a cohort from mainstream channels,” Jung said.

Tools 126

Tools Study Los Angeles New Jersey 126

Lex Sokolin

SEPTEMBER 23, 2020

To the extent it pipes people to banking product, that goes to a $500 million market capitalization public company that makes prepaid cards. Instead, it is replacing payday lending as an industry. Just referring customers to capital sources. But Chime is even further removed from any actual capital. No shenanigans.

Capital 52

Capital Software Lending Apple 52

CB Insights

AUGUST 26, 2021

SoftBank’s capital firepower has helped it become the #2 unicorn investor in the world. More recently, as remote workout options have grown in usage, the firm has backed digital fitness brands like fitness community Keep and at-home gym Tempo. Konfio , for instance, provides business credit and lending.

Regional 94

Regional Fintech Analysis Company 94

Jeff For Banks

DECEMBER 18, 2014

capital appreciation and dividends. For comparison purposes, here are last year''s top five , as measured as of December, 2013: #1. They are built as a relationship bank serving the Korean community in LA and surrounding areas. This, naturally, eliminated many of the smaller, illiquid FIs. Well done! #3. BNCCORP, Inc.

North Dakota 91

North Dakota Arizona Minnesota Los Angeles 91

Lex Sokolin

DECEMBER 31, 2020

Here are some 2020 highlights… Financial Models and Valuations for Neobanks, Digital Wealth, and Coinbase How Monzo, Revolut, and Starling get to break-even, and comparison with WeChat and Facebook. A long take that nobody in DeFi will read, but there is a deep grain of insight here about the failure of P2P lending and crowdfunding models.

Fintech 52

Fintech Bitcoin blockchain Google 52

Lex Sokolin

DECEMBER 31, 2020

Here are some 2020 highlights… Financial Models and Valuations for Neobanks, Digital Wealth, and Coinbase How Monzo, Revolut, and Starling get to break-even, and comparison with WeChat and Facebook. A long take that nobody in DeFi will read, but there is a deep grain of insight here about the failure of P2P lending and crowdfunding models.

Fintech 52

Fintech Bitcoin blockchain Google 52

Jeff For Banks

DECEMBER 19, 2015

Total return includes two components: capital appreciation and dividends. Before we begin and for comparison purposes, here are last year's top five , as measured in December, 2014: #1. Citigroup, by comparison, had a 0.77% ROA and a 6.63% ROE for the same period. This, naturally, eliminated many of the smaller, illiquid FIs.

North Dakota 60

North Dakota Arizona Michigan Florida 60

Fintech Labs Insights

MARCH 28, 2016

Three Finovate alums brought in new cash: Kreditech raised $11 million for its banking and lending services for the underbanked. Here are the fintech deals by size from 19 March to 25 March 2016: Open Lending. Automated lending solutions for financial institutions. Automated lending solutions for financial institutions.

Company 12

Company Fintech San Francisco New York City 12

Tefkin

MAY 6, 2015

In markets such as the UK, 56% of consumers declared having used a price comparison website in the last 2 years. Beyond, if you think of insurance as a class of exotic financial products, is there a possibility for larger scale disintermediation similar to banks and alternative lending possible for carriers and alternative insurance funds.

Industry 50

Industry Examples Google Big Data 50

Fintech Labs Insights

SEPTEMBER 1, 2016

The fintech sector attracted $332 million in new capital the first week of August. Four of those came out of the most recent batch of companies launched from accelerator 500 Startups , where each received $125,000 in seed capital. Middle market capital matchmaker. Lending marketplace for small businesses. AxialMarket.

New York City 18

New York City Company Fintech Comparison 18

Fintech Labs Insights

NOVEMBER 9, 2015

Two Finovate alums added capital: Roostify which picked up $500,000 from Wells Fargo’s startup accelerator to further its mission to streamline the mortgage process for consumers and Figo , a German-based firm, which banked “7 figures” to expand its suite of banking APIs. P2P lending. Expansion Capital Group.

Company 12

Company Fintech South Dakota San Jose 12

CB Insights

NOVEMBER 9, 2017

In this review of failure, we’ve looked in our venture capital database to find the most well-funded startup companies that ultimately failed or had an undesirable exit, such as an asset sale or an acquisition for less than the total funding raised by the company. The 101 Biggest Product Failures Of All Time. Total Funding: Over $100M.

Capital 78

Capital Company San Francisco Operations 78

CB Insights

OCTOBER 31, 2017

Fresco’s head of community marketing, Johnathan Hamiter, began sending employees private Slack messages saying funding seemed “pretty bleak” and encouraging them to look for other jobs. Imzy was created by former Reddit employees Dan McComas and Jessica Moreno as a safer, friendlier version of the popular community site. Around 4 p.m.,

Company 78

Company US San Francisco Capital 78

CB Insights

FEBRUARY 16, 2021

Without this option, the crypto holder would have had to move their capital back into a fiat currency. People in underbanked communities, for example, can transact using this form of digital currency, especially if they live in areas where economic uncertainty is a regular concern. Types of fiat-collaterized stablecoins.

cryptocurrency 101

cryptocurrency Bitcoin Examples blockchain 101

CB Insights

NOVEMBER 16, 2017

In venture capital, returns follow the power law — 80% of the wins come from 20% of the deals. Get the 65-page report on teardowns for Union Square Ventures, Andreessen Horowitz, Sequoia Capital, and more. JD.com took a huge risk by stepping into a major market and investor Capital Today made a $2.4B

Lending 78

Lending Capital Company Google 78