South State Correspondent

MARCH 28, 2024

These programs aim, in part, to mobilize the private sector by pairing its capital with public investment to stimulate American manufacturing and infrastructure improvement, creating new jobs plus innovating in industries like clean energy and technology. Before educating your customers and communities, you must start with your bankers.

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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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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. The 2022 stress test scenarios provide a blueprint for community banks and credit unions to get started on their own stress tests. Related Subhead.

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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

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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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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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. This conundrum presents a significant opportunity for community bankers. A year ago, I had a smattering of them.

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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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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. First, Neil presents the interest rate futures curve to his borrowers.

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PYMNTS

NOVEMBER 12, 2020

Government-backed loan schemes like the Paycheck Protection Program (PPP) connected vital capital to small- to medium-sized businesses ( SMBs ) in need of aid to stay afloat. While helpful, the availability of affordable financing for SMBs is not necessarily typical of a market in which smaller firms can struggle to access funding.

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Abrigo

NOVEMBER 29, 2021

Noninterest income pressures present challenges Some financial institutions are adapting offerings that generate service charges and fees - important sources of noninterest income. . Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category.

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South State Correspondent

JANUARY 4, 2023

For any banker looking for clarity, we present five New Year’s resolutions, no matter your size, that provide a roadmap to accomplish both the short and long-term objectives of a top-performing bank. When offering a higher money market or CD rate, the direct damage done to cost of funds is often the least of a bank’s worries.

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PYMNTS

FEBRUARY 16, 2018

Amid the talk of filling in the small business (SMB) financing gap banks have left since the financial crisis, the rush of FinTechs, alternative and marketplace lenders coming to market may have left another business segment behind: the middle market, particularly the lower middle market. We’re not looking to replace banks.

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South State Correspondent

OCTOBER 26, 2023

The catalyst was likely a panel led by the CEO of Taktile (AI Underwriting), a Partner from Bain Capital, a partner for Andreessen Horowitz, the chief data scientist from Branch International (digital banking fintech for India and Africa), and a tech correspondent for CNBC. You have never heard so many intelligent people sound not so smart.

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South State Correspondent

JANUARY 22, 2023

In a previous article ( here ), we discussed why commercial loan prepayment protection would be a critical return on asset (ROA) driver for community banks in 2023. We believe any prepayment provision is better than none, but we acknowledge that banks are challenged in the market to obtain borrower acceptance of some of these provisions.

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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. We sat through almost every presentation and took pages of notes.

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PYMNTS

DECEMBER 13, 2019

by regulatory initiatives (designed to spur competition in small business banking, open up the market to new challenger banks and support marketplace lending platforms), the bank loan is often the first place small business owners look when in search of capital. venture capital investments in U.K. Fueled further in the U.K.

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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.

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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).

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PYMNTS

MAY 1, 2020

Businesses have a front-row seat to the market volatility resulting from coronavirus. As governments around the world work with financial institutions to connect these companies to capital, many firms are quickly recognizing just how drastically their financial worlds have been turned upside down. Past, Present And Future.

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Gonzobanker

DECEMBER 19, 2022

As if that wasn’t enough, regulators took a sledgehammer to debit fee income with Reg II changes that will begin reducing card-not-present interchange fees starting in July 2023. 2022 was the year the fintech industry and venture capital firms figured out that banking is harder than everybody thought. Except maybe they did partly.

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South State Correspondent

APRIL 3, 2023

Recent bank failures hurting public perceptions, the current market trends of higher rates, Quantitative Tightening, digital banking, social media, and a flight to safety have increased the difference between model and observed liability durations. Banks take a pool from 2018, as an example, and then track runoff to the present.

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Gonzobanker

DECEMBER 14, 2023

Not the financial industry’s “Troublemakers ” – those regional and community banks, credit unions and supporting fintech entrepreneurs who continue to engage customers and communities and find niches that keep the grassroots of our country’s financial system alive and kicking. We are in awe. Seriously in awe.

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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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PYMNTS

APRIL 18, 2018

The slight downturn comes at a time of broader market volatility as the U.K. Phelan said it is too premature to deduce that these geopolitical factors had any significant impact on the February Index’s reading, but did warn that Canada’s position in the market means that its SMBs are at least indirectly exposed to these pressures.

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South State Correspondent

MARCH 16, 2022

In a competitive market for commercial loans, every feature that can preserve credit quality or maintain pricing can be valuable to the lender. Many community banks will market their fixed rate loans based on the simplicity of the prepayment provision, and this starts by understanding the value that each provision creates.

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Abrigo

JULY 27, 2023

Using regtech in banking With new federal regulatory and compliance challenges like the CFPB rule on the horizon, more and more community financial institutions are exploring regtech in banking and finance. For example, in the pharmaceutical industry, manufacturers can use regtech to ensure that marketing complies with FDA requirements.

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Abrigo

JULY 27, 2023

Using regtech in banking With new federal regulatory and compliance challenges like the CFPB rule on the horizon, more and more community financial institutions are exploring regtech for banks to enhance their processes. What is regtech? Of course, banks and credit unions are highly regulated industries, and this is increasing.

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Perficient

NOVEMBER 21, 2023

Describe a typical day in the life. Perficient, though not new to insurance, is consistently realigning to capitalize on the industry’s digital transformation potential. How have you seen priorities shift as the insurance market becomes more competitive and new risks emerge for insurers?

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PYMNTS

DECEMBER 11, 2020

They're also tasked with choosing the best route to obtaining working capital as the number of options grows. From traditional bank loans to alternative financing to other sources of capital like PPP loans , there are many options today, said Puskar. Puskar described the early days of the PPP effort as "hectic."

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Jeff For Banks

AUGUST 29, 2012

Many banks had to replenish lost capital. Absent or in concurrence with government-injected capital, FIs sought fresh capital. Therefore, all of the action to attract capital was in the institutional market. The change in shareholder focus, as presented by Ms. Investor relations is marketing.

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PYMNTS

DECEMBER 30, 2020

The B2B eCommerce space saw some of the biggest investments of the year for B2B FinTechs, a testament to investors' confidence in the evolution of the market. To create a good customer experience, merchants need to adjust their checkout experience to match the specific needs and requests of that market. The Rise of the Marketplace.

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PYMNTS

JANUARY 3, 2019

A new study has revealed that retailers will lose around $130 billion in digital CNP (Card-not-Present) fraud between 2018 and 2023. This is something about which retailers remain undereducated, and has allowed fraudsters to capitalize on relatively low FDP spend,” explained research author Steffen Sorrell in a press release.

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PYMNTS

AUGUST 12, 2019

“Small business lending remains strong and is growing at big banks and at regional and community banks,” said Biz2Credit CEO Rohit Arora in a statement. “Entrepreneurs who have a good credit history are having success in securing capital in 2019.” Despite its successes in that market, its U.K.

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Jeff For Banks

FEBRUARY 26, 2023

And at AOBA, Laura Hamilton of OTC Markets Group, Inc., and Ciaran McMullan , former CEO of Suncrest Bank CA extolled the benefits of OTC listing, particularly OTCQX market listing in a session titled How to Maximize Your Stock as Currency. Having Ciaran onstage with Laura as a case study added credibility to the presentation.

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Abrigo

DECEMBER 17, 2021

Components of an effective fintech partnership If leveraging new technology is a priority for your FI, ensure these three elements are present for an effective fintech partnership. . The fintech market is growing exponentially, and it can feel overwhelming trying to decide which vendor would be the best partner for the financial institution.

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South State Correspondent

OCTOBER 28, 2022

Any community bank that believes it can keep up and thwart millions of attacks per second is fooling itself. Small Idea – Hyper personalization and One-to-one Marketing. A small business at a farmer’s market can accept payments in the field for their business by having the phone or wearable near each other.

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