PYMNTS

NOVEMBER 27, 2018

So, access to capital isn’t just essential for these companies to survive — it’s critical for the economy to thrive. Yet, the small business lending gap remains. In a new report, PayNet and financial research firm Raddon examined the state of small business lending in the U.S.

Lending 159

Lending Fintech Capital Report 159

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. We published various articles comparing community bank alternatives to LIBOR (such as SOFR, Ameribor, Fed Funds, and Prime). No ISDA documents.

Community Bank 195

Community Bank Community Compliance CA 195

PYMNTS

SEPTEMBER 25, 2020

The grants are part of the San Jose, California-based worldwide online payments system’s $530 million pledge made earlier this year to strengthen minority communities and fight for economic equality and racial justice. “To A study conducted by PayPal and PYMNTS revealed that 40 percent of customers are shopping more digitally than physically.

San Jose 261

San Jose Baltimore Nebraska Community 261

Abrigo

FEBRUARY 23, 2022

Making small business loans efficient and worthwhile Digitalizing the lending process can help financial institutions win small business loans and meet customers' needs. You might also like this webinar on small business lending best practices. Top problems in small business lending. Roadblocks to Success.

How To 195

How To Lending Software Survey 195

PYMNTS

SEPTEMBER 18, 2018

And in lending, with the financial crisis in the rearview mirror, a decade on, invention – okay, innovation – has become a hallmark, at least in some corners. But a standstill in the credit markets created a vacuum for a bit, at least along traditional lending conduits. Necessity is the mother of invention. Behind the Numbers .

Lending 148

Lending Innovation Fintech Cards 148

PYMNTS

MAY 22, 2020

The data painted a dark picture for Main Street retail this week, with a new Facebook & Small Business Roundtable study showing that over 30 percent of small to medium-sized businesses have either failed or don’t see a way forward due to the pandemic. The federal role will extend beyond capital,” Katz noted.

Maine 138

Maine Philadelphia Community Groups 138

Abrigo

DECEMBER 17, 2021

In fact, corporate culture is more important to an innovative culture than the institution's size, level of investment, location, or regulatory environment, according to a recent study by the ? Executives must center their communication on the vision for the technology and what employees will gain from it. Lending & Credit Risk.

Fintech 195

Fintech How To Innovation System 195

PYMNTS

MARCH 30, 2020

We went into the field last Wednesday (March 24) to understand, at an aggregate level, how COVID-19 has impacted the SMBs that line the Main Streets and the side streets of our communities. In other words, this sample reflects the composition of SMBs on those Main Streets and side streets of the communities that we all call home.

Maine 232

Maine Data Capital Study 232

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. In a competitive lending environment, many banks and credit unions are concerned about losing good-quality loans if they over-price them.

Conference 195

Conference San Antonio Lending Fraud 195

PopularBank

APRIL 3, 2024

A study from the University of Chicago found the number of retirees within that segment will nearly double in the next 10 years. Review fees and fee structures to determine the optimal pricing model for the community. Enhance amenities. Rebrand services and common areas to get the most out of your renovations.

Community 52

Community Operations Arizona United States 52

Independent Banker

DECEMBER 31, 2022

Here’s how community banks can enhance their payments offerings. We’ve got capital market resets that are potentially happening, technology advancements and continued heightened digital expectations. As 2023 kicks off, community banks can respond to today’s payments landscape by addressing five key trends. By Colleen Morrison.

Trends 140

Trends Payments Community Bank Texas 140

Abrigo

AUGUST 3, 2015

The ABA’s 2015 Survey of Bank Compliance Officers , conducted February through March 2015, had participation from more than 450 financial institutions, with almost 80 percent being community banks. ABA president and CEO, Frank Keating, commented that Dodd-Frank has impacted banks, their customers and the communities they serve.

Compliance 150

Compliance Community Bank Community Survey 150

Independent Banker

OCTOBER 31, 2021

The CARES Act extended the CECL implementation deadline for many larger community banks until the end of the COVID-19 pandemic. Community bankers tell us that while the extension is welcome, they’re already down the road to implementation. ICBA tells FASB CECL isn’t feasible for community banks. ICBA backs Stop-and-Study bill.

Community Bank 91

Community Bank Community Software New York City 91

PYMNTS

SEPTEMBER 13, 2017

New payment and financial technologies are quickly emerging from the FinTech community, all with the promise of expediting payments and reducing the distance between cross-border trading partners. Traditional banks are seeing new FinTech players become more competitive on several fronts, including lending.

Strategy 190

Strategy Report Lending Fintech 190

PYMNTS

JULY 12, 2018

Cuomo on June 1, 2017, required DFS to study online lending in New York State and submit a report of its findings. Access to credit is essential to the well-being of consumers, the lifeblood of small businesses and a driver of economic growth, job creation and prosperity of our communities in New York,” said Superintendent Vullo.

Online 100

Online New York Lending Regulation 100

CFPB Monitor

AUGUST 20, 2020

OCC : The OCC announced Project REACh on July 10, 2020 to promote greater access to capital and credit for underserved populations through policy and structural issues at the national and local level. A link to our prior blog post about these developments is available here. banking system.

Regulation 78

Regulation FDIC Community Lending 78

PopularBank

OCTOBER 13, 2020

According to a recent study , the state experiences one of the worst racial wealth gaps in the nation. The Newark 40 Acres and a Mule Fund will bring pride and prosperity to our city as a whole and to our Black and Latinx business community in particular.”. NWK FAM Fund Seeks to Narrow the Wealth Gap in New Jersey.

New Jersey 52

New Jersey Community NJ New York 52

Independent Banker

DECEMBER 31, 2022

We recently spoke with community bank CEOs from across the country to gain insights on how they’re proactively positioning to manage risks and take advantage of growth opportunities in the coming year. Following some respite in 2022, community bankers are bracing for a tougher economic landscape ahead in 2023. By Beth Mattson-Teig.

Community Bank 91

Community Bank Community Tampa North Carolina 91

PYMNTS

APRIL 2, 2019

The most important of those is the team aspect of the lending: The microloans (usually in the low four-figures) are given to small groups, and all members of the group are accountable for ensuring each member makes payments. This first study is the first six-month check-in. The results, thus far, are positive. A Long Journey.

Tools 126

Tools Study Los Angeles New Jersey 126

South State Correspondent

SEPTEMBER 20, 2022

It was agreed that too many lines of business, such as treasury management, commercial lending, and commercial deposits, are not utilizing their marketing departments enough, given the tremendous value of their products. The top part of this range seems to be around 10.5%. Bank Marketing Lesson 7: Multicultural Marketing.

Conference 195

Conference Marketing social media Data 195

South State Correspondent

JUNE 13, 2023

When interest rates rise, lenders struggle to manage revenue and economic capital; when rates fall, borrowers can commonly refinance the debt at lower rates. We see borrowers trying to out-predict the market by guessing what the Fed might do, analyzing economic trends, studying graphs, or talking to friends at cocktail parties.

Marketing 195

Marketing Examples Capital Management 195

Jeff For Banks

APRIL 25, 2015

I don't think de novo banks are key players to business startup capital formation. Sure, if you cite studies that say these banks' loan books are predominantly small, as the FDIC measures them. But that is because de novo's are limited to making a loan to one borrower of 15% of their capital position. I don't know of many.

FDIC 60

FDIC Capital Community Bank Lending 60

PYMNTS

APRIL 30, 2018

and finance experts are celebrating with new data on the state of the entrepreneurial community. More than 90 percent of survey respondents said they feel the government did not adequately prepare the small business community for the new tax code. National Small Business Week is this week in the U.S.,

Taxes 144

Taxes America National Community 144

PYMNTS

MAY 3, 2018

The company’s 2018 PACE (Performance Against Customer Expectations) Report, published on Wednesday (May 2), found large financial institutions (FIs) are vulnerable to losing their small business customers, which tend to experience greater satisfaction levels at regional and community banks. The survey found small businesses in the U.S.

US 100

US Community Bank Community Survey 100

PYMNTS

JUNE 28, 2016

There are the traditional routes, like small business bank loans, and then there are the alternative and online lending sources. Some need working capital to grow; others are bracing for working capital fluctuations or economic uncertainty. Adding to the evidence that the U.S.

Capital 106

Capital Lending Survey Cards 106

CFPB Monitor

AUGUST 22, 2016

The CFPB has announced the appointment of new members to its Consumer Advisory Board, Community Bank Advisory Council, Credit Union Advisory Council, and Academic Research Council. Arjan Schutte, Founder and Managing Partner, Core Innovation Capital, Los Angeles, CA. Community Bank Advisory Council Members.

San Antonio 60

San Antonio Kansas City Groups CA 60

South State Correspondent

MARCH 23, 2022

If your bank struggles to create a clear value proposition and brand differentiation, then we have a case study for you. Nubank started with a credit card offering, followed by deposit accounts, then lending, and then payments, investing, and insurance. They take the bank and focus on underserved communities by overserving them.

Branding 221

Branding social media Strategy Data 221

Independent Banker

JANUARY 26, 2016

Studies by The Kauffman Foundation, among others, have shown that new businesses account for nearly all net new job creation and almost 20 percent of gross job creation. 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.

Miami 70

Miami Community Bank Community Resources 70

Gonzobanker

MARCH 21, 2024

Of small business owners who applied for a business loan in early 2023, 6 in 10 found it difficult to find affordable financing, and overall, 77% are concerned about their access to capital according to a survey from Goldman Sachs. According to Randi Zeller, senior advisor to Community Reinvestment Fund, USA: “There is no lack of capital.

Lending 78

Lending How To Capital Data 78

Filene

JULY 18, 2018

is contributing to steady growth of this vibrant community – a community of more than 43 million that continues to be overlooked by mainstream financial services. Learning as much as you can about the foreign-born community and their families in your area is an essential first step. immigrants. GDP growth by 2020.

Community 28

Community Study Resources Lending 28

Jeff For Banks

JUNE 4, 2018

Create detailed funding concentration risk analytics, that includes: - Stratify funding using a liquidity matrix - A deposit loyalty study (to classify what regulators consider non-core as core) - Determine a local rate cap (to use vs. the federal rate cap) 2. We need a smarter discussion on liquidity. Pretty magnanimous of me, right?

FDIC 60

FDIC System Regulation Conference 60

Lex Sokolin

DECEMBER 10, 2020

The offering is a full on banking, payments, and capital programming environment that connects to Goldman Sachs, Barclays, and Citi. The case study of Shopify is case in point?—?the Affirm wins when it plugs in a technology network as a distributor of its lending product. And maybe we can learn something new in the process.

Branding 52

Branding Apple Capital US 52

Lex Sokolin

DECEMBER 10, 2020

The offering is a full on banking, payments, and capital programming environment that connects to Goldman Sachs, Barclays, and Citi. The case study of Shopify is case in point?—?the Affirm wins when it plugs in a technology network as a distributor of its lending product. And maybe we can learn something new in the process.

Branding 52

Branding Apple Capital US 52

Abrigo

MARCH 13, 2023

Banks in rural America are not going to have the same kind of lending activities, or depositor relationships as this bank seemingly had. Lending to startup companies with a plan to go public is not itself a problem. Boy, did that impact capital ratios. But we do know that this bank had a unique business practice.

Strategy 195

Strategy Lending Security Analysis 195

BankUnderground

JUNE 25, 2021

If losses significantly erode capital, hedge funds may feel unable to maintain their risk exposures and liquidate some of their positions. Chart 3 : Prime brokers’ repo and reverse repo lending to hedge fund counterparties (a). The authors would welcome further engagement with the research community on these issues.

System 102

System Marketing Policies Examples 102

FirstInternet

FEBRUARY 24, 2021

Here are some critical questions that borrowers should ask of potential lending partners, and details they should know about the process: 1. The financial institution you select should be aware of the specifics of the surrounding communities (tax ramifications, etc.), What are the fees associated with Commercial Lending?

Lending 52

Lending Community Training Taxes 52

PYMNTS

JUNE 22, 2020

She said two truths that unite the otherwise diverse community of SMBs are that small businesses are economically vital, but extremely fragile. First, for every dollar someone invests in a small business, 50 percent to 60 percent of that stays in the local community, Urrutia said. Many Small Businesses Only Have Two Weeks Of Cash.

Maine 246

Maine Lending Community Fintech 246