Independent Banker

JANUARY 31, 2022

Here’s how four community banks are thriving in this environment. Clearly, community banks in the region have plenty of opportunities to do what they do best: forge deep and lasting relationships with their customers and communities. These include family-owned businesses, community businesses and operating companies.

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Texas San Antonio Community Bank Community 182

PYMNTS

NOVEMBER 6, 2020

has sought a national bank charter from the Office of the Controller of the Currency (OCC), which will let it meet “promises of efficiency, affordability and financial inclusion,” according to a Friday (Nov. Financial services firm Figure Technologies, Inc. 6) announcement.

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National blockchain Lending Regulation 163

Independent Banker

NOVEMBER 30, 2022

Clockwise from top left: Grand Ridge National Bank, Wheaton, Ill.; 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. Grand Ridge National Bank.

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Community Bank Community Montana Leadership 169

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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Community Community Bank Regional Lending 193

Abrigo

SEPTEMBER 16, 2019

Community bankers are largely positive about the future, based on the first results of a new index gauging business sentiment among the financial professionals who serve a critical role in local economies. These insights have the potential to inform the market and policy makers on the overall health of the economy, opportunities, and risk.”.

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South State Correspondent

FEBRUARY 18, 2024

We recently reviewed a loan term sheet from a national bank for a $13mm commercial real estate (CRE) loan. This particular national bank has the ability to offer the borrower an interest rate hedge or an on-balance sheet fixed-rate loan. debt yield, and the CRE capitalization (cap) rate is 7.00%.

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Management National Guidelines Capital 195

PYMNTS

JANUARY 25, 2021

The National Retail Federation ’s annual convention may have come and gone but the sentiments, strategies and lessons learned from facing nearly a year of pandemic-led changes by some of the world’s largest merchants are going nowhere fast — especially when it comes to their embrace of increased digitalization. The Future Of Remote Work.

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Community Retail Strategy National 269

South State Correspondent

FEBRUARY 27, 2024

Community bankers need to practice realistic loan pricing discipline. However, we need to understand the meaning of pricing discipline and its effect on community bank performance. Market Intelligence We analyzed the last 1000 loans priced on our hedging desk, and the credit spread, and size are plotted below.

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How To Community Bank Community Management 195

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. Furthermore, high federal government debt does not just lead to higher interest rates but also poses economic, national security, and social challenges.

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Risk Management Community Bank Policies Community 195

South State Correspondent

FEBRUARY 22, 2024

Banks consistently produce under their cost of capital. For example, at present, return on equity performance is about 12% for the average community bank. However, for the average bank, their cost of capital is between 9% and 14% depending on the bank’s equity liquidity with an average of 12.5%. Why is that?

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How To Strategy Capital Lending 195

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. With the development of the term SOFR market, BSBY offers no perceived advantages over SOFR, Fed Funds, or Prime. No ISDA documents.

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Community Bank Community Compliance CA 195

PYMNTS

OCTOBER 9, 2018

63 percent of small businesses applied for a working capital loan last year, data from S&P Global Market Intelligence recently found. However, Dave Gilbert, founder and chief executive officer of SMB alternative lending firm National Funding , said he’s seen a trend of growing traction within the small business community.

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National Regulation Capital Industry 167

Abrigo

DECEMBER 18, 2023

WATCH Takeaway 1 Banks and credit unions are critical sources of capital for businesses in their communities, so how institutions assess CRE credits matters. Takeaway 2 Advisors recommend that financial institutions look behind some of the headlines and examine their own markets before ruling out CRE altogether.

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Risk Management Management Lending Capital 221

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. Janet Silveria, Community Bank of Santa Maria. So, what’s at the top of community bank leaders’ to-do lists? What changes will 2022 bring?

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Community Bank Community Lending Louisiana 144

PYMNTS

OCTOBER 1, 2019

India-based financial services provider Reliance Capital has announced it will exit the lending market. 30), Reuters reported , noting that the company is struggling to overcome “collateral damage” resulting from a slowing national economic and a broader “crisis,” the publication said, in India’s lending sector.

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Capital Lending Regulation Operations 109

PYMNTS

MAY 4, 2017

Capital One and Santander are two banks that both announced Wednesday (May 3) their perspective efforts to support small businesses as Small Business Week continues. Capital One Spark Business said it is rolling out a We Work As One campaign to support and celebrate SMEs. It’s a way to engage directly with consumers, Capital One said.

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Capital Community National Trends 100

South State Correspondent

APRIL 10, 2023

Fair value accounting measures assets and liabilities at current market value instead of historical or amortized value. This development should strongly motivate community banks to consider the benefits of loan-level hedging. The proportion of fixed-rate loans has increased for community banks over the past four years.

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Community Bank Community Security Capital 195

PYMNTS

FEBRUARY 19, 2019

As concerns are raised about how industry consolidation might impact competition, Federal Reserve Chairman Jerome Powell is warning that it could hinder small businesses’ access to capital and financial services. He pointed to the Community Reinvestment Act, which encourages banks to loan to small businesses.

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Marketing Community Community Bank Industry 108

Abrigo

APRIL 28, 2016

Small Business Administration What creates two out of three net new American jobs; produces close to half of our nation’s goods and services (nonfarm private GDP); and can be found, coast to coast, in every small town, big city and rural enclave? Tune in all week for live-streaming , beginning at 7:30 p.m. Every business starts small.

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National San Jose Los Angeles United States 150

South State Correspondent

MAY 23, 2022

Customers and competitors are challenging community banks to extend loan duration – borrowers are eager to lock fixed rates before they rise further, and many competitors are happy to oblige. But what are the optimal fixed terms for community banks given today’s interest rate, credit, and liquidity environment? Market Expectation.

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Lending Community Bank Community Capital 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 ). Deposit Behavior In This Tightening Cycle Versus Last Three.

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Community Bank Community Analysis Industry 195

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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Community Bank Community Fintech Lending 131

South State Correspondent

MAY 1, 2024

With financial hardship, competition from dominant players, and a startup budget, Gentle Monster faced many of the same challenges as a community bank. He chose to compete in the women’s luxury segment and looked for a gap in the market. COI marketing for banks should always be a top priority.

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Innovation social media Branding Marketing 195

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

Jeff For Banks

FEBRUARY 20, 2016

On February 14-17 the American Bankers Association held their National Conference for Community Bankers. Did their markets support their growth aspirations? Did their markets support their growth aspirations? If not, do they intend to grow by expanding, taking market share from competitors, or merging.

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Conference Community National Millennials 60

South State Correspondent

MARCH 30, 2023

While desiring to bank everyone in your community is noble, it can be a poor use of resources. Not to say you want to ignore parts of your community, but why not focus more of your resources on those industries that will make your bank more profitable? They are also more plentiful. there are more than 8,000 trade associations.

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Industry Resources Community Case Study 195

South State Correspondent

APRIL 10, 2023

While the market focuses on deposits and liquidity, media pundits and analysts are waiting for credit problems to appear. 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). touched off a wave of bankruptcies.

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Community Bank Community Los Angeles Regional 195

PYMNTS

JULY 1, 2016

Singapore is on a mission to build up a Smart Nation by utilizing innovation and technology to create opportunities and strengthen communities. Startups are estimated to employ nearly 300,000 on the island nation. Singapore is poised to become the world’s first country to make the notion of a “Smart Nation” an actual reality.

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National Training Bitcoin Samsung 133

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. Bunnell; and Doug, Genelle and Jagger Jones.

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Community Bank Community National Philadelphia 172

Abrigo

JANUARY 22, 2015

According to a recent survey from four Federal Reserve Banks, small regional and community banks have the highest approval rate for small business loans. Small regional and community banks had a much higher approval rate (90 percent) for those firms classified as “Growers.

Community Bank 150

Community Bank Community Regional Cleveland 150

PYMNTS

JANUARY 15, 2021

The Office of the Comptroller of the Currency (OCC) released a finalized rule on ensuring fair access to banking services from large national banks, federal savings associations, and federal branches and agencies of foreign bank organizations, according to a press release.

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United States National Community Meeting 216

Abrigo

MARCH 17, 2022

Takeaway 2 The severely adverse scenario from regulators presents a very severe global recession combined with severe stress in the CRE market and the corporate debt market. Banks and credit unions must be able to adjust when necessary to ensure viability of the institution and the ability to supply capital to their local economy.

Capital 195

Capital Regulation Risk Management Community 195

Lex Sokolin

MARCH 31, 2021

There’s a big difference between belonging to a community that you simply like, and a community that will make you *rich*. and tie their function to the community activity we see in the quickly-expanding NFT sector. It is the gatekeeper of the banking community. Jumio, Feedzai, and Chainalysis?—?and Let’s get to it.

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Capital Marketing Community social media 52

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.

Community Bank 195

Community Bank Capital Training Lending 195

PopularBank

MAY 1, 2020

Dear Customers, Partners and Community Members, Thank you for being part of our Popular Bank family. As we face the immediate and serious health concerns as a community, we are also seeing a much wider impact on all our lives as well as our local, national, and global economies. Popular Bank remains financially strong.

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Community New Jersey Meeting US 95

South State Correspondent

MAY 9, 2022

In our previous article ( HERE ), we reviewed the banking industry’s cost of funding earning assets (COF), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle. Second, the market has priced in interest rate risk, but it has not priced liquidity risk.

Community Bank 195

Community Bank Community Industry Online 195

South State Correspondent

JANUARY 11, 2023

One of the biggest mistakes bank make when pricing deposits is advertising an above-market rate, thereby shortening deposit duration and increasing negative convexity for that one account and the whole product offering. Consider a money market account at a bank. That 1.75% money market account likely has a duration of 0.18.

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Training Marketing Capital Course 195