Abrigo

JULY 30, 2020

Key Takeaways Stress tests and capital planning are vital to financial institutions in volatile times like these, when the coronavirus and pressures on the energy sector result in a financial crisis. Current environment = Challenging stressed capital planning. This has resulted in theoretical assumptions for capital planning.

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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. How Your Hedge Provider Can Be Relational . Why Community Banks Use Loan-Level Hedging.

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South State Correspondent

SEPTEMBER 20, 2022

Last week, the American Banking Association (ABA) held its annual Bank Marketing Conference in Denver, receiving rave reviews. The theme was – developing your marketing superpowers. Amid the brewery networking, superhero costumes, and fun, some fantastic bank marketing lessons were had, and not just for bank marketers.

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South State Correspondent

OCTOBER 4, 2022

The Federal Reserve Open Market Committee (FOMC) has raised short-term interest rates by 3.00% in the six months between March and September. The market is now forecasting an additional 1.25% in hikes by year’s end, with the next move coming on November 3rd. Bankers As Trusted Professionals.

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South State Correspondent

MARCH 16, 2022

To make it into the podium, bankers must not only understand how to work with structural components but how to position them for the most efficient application of the creation of value. In this article, we focus on prepayment provisions and look at how a past gold medal winner does it. Prepayment Provisions Not Penalties.

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Abrigo

DECEMBER 17, 2021

A key reason for the expanded partnership came down to these alignment factors. A key reason for the expanded partnership came down to these alignment factors. “It’s cloud-based, so it’s easy to make changes on the fly,” said Daniel Fowler, a Credit Administrator at Capital City Bank. How to Establish Quality Fintech Partnerships.

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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. This is especially important when liquidity is scarce, as it is now.

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Independent Banker

NOVEMBER 30, 2022

Community Financial Services Bank, Benton, Ky.; In our annual workplace survey, employees of ICBA’s best community banks to work for told us they benefit from engaging cultures, opportunities for advancement and innovative benefits. I don’t know how to describe that feeling, honestly. Bank of Montana, Missoula, Mont.;

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Abrigo

FEBRUARY 14, 2024

You might also like this podcast, "How to sleep easier at night about your capital and risk levels." LISTEN Takeaway 1 Effective CRE risk management involves adapting to changing market fundamentals to avoid excessive loan losses. The tightening of CRE credit could potentially impact liquidity within the CRE market.

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PYMNTS

JANUARY 25, 2021

Over the past 10 months, that embrace has been retooled and refined to the point where today the IT department appears to be embedded in the marketing department. Having grown up as digital natives,” Kammerzell said, “they understand — maybe better than any preceding generation — how to access information. The Future Of Remote Work.

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South State Correspondent

SEPTEMBER 25, 2023

On September 20, 2023, the Federal Open Market Committee (FOMC) left its benchmark rate unchanged, but it would be a mistake to conclude that the committee did not send a strong message about the projected path of future interest rates. The cost of funds for community banks and non-community banks is shown in the graph below.

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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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Abrigo

FEBRUARY 23, 2022

Configured vs. Customized Considering the complexity of the banking technology ecosystem, it is rare that a financial institution has the capital and wherewithal to build its own lending software system. Learn more about how to recover market share with small business lending. How to Win Small Business Loans This Year.

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Independent Banker

DECEMBER 31, 2021

Independent Banker ’s annual Community Bank CEO Outlook survey reveals how community bank leaders plan to leverage today’s deposit-laden banking environment to grow this year. How long is your to-do list? Janet Silveria, Community Bank of Santa Maria. So, what’s at the top of community bank leaders’ to-do lists?

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South State Correspondent

MARCH 28, 2023

This article will compare pay-for-risk vs. relationship banking business models for community banks. Banks succeed by assessing and underwriting this risk, capitalizing on opportunities where risk is overpriced. Over time, the market does not adequately compensate banks for credit and interest risk.

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Independent Banker

AUGUST 31, 2022

Job seekers are in the driver’s seat across most industries, including community banking,” says Lindsay LaNore, group executive vice president and chief learning and experience officer for ICBA. However, community banks have a big opportunity to stand out from the crowd of potential employers.”. LaNore believes the rules have changed.

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Abrigo

OCTOBER 2, 2014

Following the recent financial crisis, the Basel Committee of Banking Supervision (BCBS) set out to “strengthen global capital and liquidity rules with the goal of promoting a more resilient banking sector.” The three pillars include maintaining minimum capital requirements, a supervisory review process and market discipline.

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Abrigo

JANUARY 19, 2015

The Recession and its subsequent rate of bank failures underscore the need for banks of all sizes to invest in developing a capital plan. The Recession taught many institutions that whatever processes had been in place for managing capital were not sufficient. The result was insufficient capital. Forward-looking review 4.

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PYMNTS

JANUARY 9, 2018

With big banks pulling back from small and medium-sized business (SMB) lending in the wake of the global financial crisis, the market was ripe for someone else to fill the credit gap. Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index.

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South State Correspondent

FEBRUARY 18, 2024

Hedge Requirements Within a Bank Loan Term Sheet The loan term sheet language dealing with hedge requirements raises the old question of how to allocate interest rate risk (which can translate to credit risk – as we have seen over the last 12 months) between the borrower and the lender.

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PYMNTS

DECEMBER 2, 2020

Small businesses are turning toward their financial service providers now more than ever, not only for access to working capital and key products to run their business, but also for advisory services and guidance on how to navigate today's volatile market. Getting Creative. An Agile Business Model.

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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. The drop in liquidity ratios is expected to accelerate through 2023.

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South State Correspondent

JULY 6, 2022

Here, we highlight an effective tactic and provide banks with a framework for how to evaluate and choose events. While most banks hold community cocktail parties, lunch receptions, and host chamber of commerce events, one of the most underutilized events is for banks to attend statewide industry-specific functions.

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South State Correspondent

SEPTEMBER 12, 2022

However, as of Q2/22, the average community bank’s COF has risen only a few basis points. Community banks should be concerned about their COF because looking at current deposit conditions is like driving a car while looking at the rearview mirror. Community banks will feel the effects of these hikes over the next few quarters.

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Lex Sokolin

OCTOBER 21, 2020

Our communities and networks have become increasingly digital. That means that our physical communities are also our digital communities. People are not buying some abstract reductionist notion of “products”, they are economically participating in communities with counterparties native to those communities.

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NCR

APRIL 13, 2016

In the following Q&A, Pango Financial CEO William Keenan offers insights on the cyclical nature of the lending market and advice for small business owners just starting out. Banks tighten up underwriting criteria in tough times, loosen it to gain market share and to grow their balance sheet as economies improve.

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Abrigo

SEPTEMBER 7, 2023

The institution can more easily capitalize on opportunities and avoid unnecessary risk. They can result in sub-optimal lending for community banks and credit unions as well as the communities they serve across the country. Learn how to tap your data to generate management insights. Explore Abrigo Connect.

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PYMNTS

DECEMBER 7, 2017

They are a closely bonded community of cosmetics fanatics, and Ipsy isn’t just where they go to buy their makeup — it’s also where they go to learn how to use it. Moreover, Ipsy is broadening how it is seeking those conversations as it realizes not every consumer is satisfied by items in their Glam Bags alone.

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South State Correspondent

APRIL 3, 2023

The second article compared and contrasted community banks’ pay-for-risk and relationship business models. We made the case that, over time, the market does not adequately compensate banks for credit and interest rate risks. Top-performing community banks deploy relationship banking.

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PYMNTS

SEPTEMBER 22, 2020

“Colleges and universities, in particular, need a way to build and foster a sense of community, whether their students are away from campus remote learning or on campus practicing hybrid learning,” said IRL’s Founder and CEO Abraham Shafi in a statement. This new funding will allow us to. Our corporate work is moved to next year.

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South State Correspondent

JANUARY 4, 2023

Because many banks are now producing below their cost of capital, growth further exacerbates their issues and drives them out of business (likely through a sale) faster. Without the windfall of profit accrued to banks in 2022 because of faster-than-expected rate increases, banks will need to be better allocators of capital.

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Abrigo

DECEMBER 22, 2023

download NOW Takeaway 1 The most popular blog posts on the Abrigo site reflect many of the priorities community banks and credit unions had in 2023. Takeaway 3 Articles specific to small community banks were among the most-read blogs, with best practices for construction lending at the top of the list.

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South State Correspondent

NOVEMBER 15, 2022

the As interest rates go back up and volatility continues to remain high, banks’ cost of capital has undergone a significant shift up. Your cost of capital is essential to know for several reasons. Produce over your cost, and you will be able to attract more capital. Why Calculate Your Cost of Capital?

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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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Abrigo

AUGUST 28, 2022

Learn more about loan pricing -- including how to assess the relative profitability of loans and how to use the output of loan pricing models -- during the webinar, " Loan Pricing: A Key Driver of Success." One overall benefit of effective loan pricing is that it is one of the many ways a financial institution can optimize capital.

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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. Main Street Banking: A Podcast for Community Bankers 8. So here’s your head start on finding some banking podcasts that might work for you.

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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. However, banks differed in how to get there. We sat through almost every presentation and took pages of notes.

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