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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PYMNTS

NOVEMBER 13, 2018

To that end, news came earlier this week in the United States that a dozen community and regional banks have formed a group aimed at exploring the opportunities amid FinTech offerings. The group, to be known as Alloy Labs Alliance, according to a press release , is being managed by FinTech Forge.

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Community Bank Community Fintech Arizona 183

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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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.”

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South State Correspondent

APRIL 10, 2023

Fair value accounting measures assets and liabilities at current market value instead of historical or amortized value. Nonetheless, with the recent collapse of sizeable regional banks, regulators, investors, analysts, accountants, and bankers are now scrutinizing the fair value of banks’ securities and loan portfolios.

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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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Community Bank Community Fintech Lending 131

Celent Banking

JANUARY 26, 2015

One of the major themes will be regional integration, which is another way of saying the development of cross-border markets. There are at least two important threads here: the ongoing internationalization of China’s currency, and the development of the ASEAN Economic Community (AEC) in Southeast Asia.

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South State Correspondent

JANUARY 3, 2023

Loans are not fabricated by banks but are negotiated by borrowers and lenders in a broad, relatively efficient market. Because most community banks do not use a risk-adjusted return-on-capital (RAROC) loan pricing model, the only variable that some bankers focus on is loan yield – the most easily measured variable.

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South State Correspondent

APRIL 19, 2023

In this article, we will look at deposit performance data related to high balances and show how banks can dramatically increase value by restructuring relationship-based products and better-allocating marketing/sales dollars more efficiently. This is over three times the life of a money market account that is over $1mm in balances.

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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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American Banker

JUNE 13, 2023

The Roseville, California institution is expanding into the Bay Area in hopes that it can land new clients and lenders in the wake of two large regional failures there this year.

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PopularBank

OCTOBER 28, 2020

Popular is committed to meeting the needs of our customers and communities, guided by our 127-year legacy. This realignment in our New York Metro market is consistent with our small business and retail services model in South Florida,” said Popular, Inc. President and CEO Ignacio Alvarez. “We

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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. A community bank may transact one or only a few balance sheet hedges over many years.

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PYMNTS

JANUARY 30, 2020

Farfetch will use the capital to continue growing and expanding into new markets, particularly China. Tencent is helping the company reach the market through its WeChat platform. “We We look forward to the company’s continued execution on its strategic vision to take the business to the next level.”.

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PYMNTS

JANUARY 19, 2018

The hot topics in B2B venture capital these days are often cutting-edge technologies like blockchain and data analytics. Indeed, these spaces secured significant funding in this week’s B2B venture capital roundup. But a lesser-discussed market grabbed the largest investment of the week: logistics. Blockchain. Morpheus Labs.

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Capital blockchain Big Data Data 118

PYMNTS

JULY 13, 2020

Today, while shutdowns have led many businesses to temporarily halt non-essential spending, many in the market actually expect the expansion of the freelancing community to accelerate as a result of market volatility. Before the pandemic hit, the global freelancing economy was expected to experience significant proliferation.

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Payments Regional Community Trends 273

PYMNTS

MARCH 12, 2019

Federal Reserve Governor Lael Brainard said on Tuesday (March 12) that a more flexible look at banks through the lens of the Community Reinvestment Act (CRA) could potentially make capital available for regions outside the usual areas financial institutions cater to.

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PYMNTS

JANUARY 19, 2018

As such, automakers are hitting the venture capital highway in droves. In the rideshare arena, InMotion , Jaguar Land Rover’s venture capital arm, invested $25 million in a $600 million funding round for Lyft in 2017. Beyond rideshares, InMotion Ventures also entered the self-driving taxi market with a $3 million infusion in U.S.-based

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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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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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Community Bank Community Capital Maine 195

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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Community Bank Community Lending Regional 195

South State Correspondent

MAY 3, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. The other fundamental concept that makes sense for all banks to adopt is fund transfer pricing (FTP).

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South State Correspondent

MAY 2, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. The other fundamental concept that makes sense for all banks to adopt is fund transfer pricing (FTP).

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Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. The other fundamental concept that makes sense for all banks to adopt is fund transfer pricing (FTP).

Lending 195

Lending Capital Management Tools 195

PopularBank

APRIL 3, 2024

And as soon-to-be retirees explore housing options in Florida, Arizona, the Carolinas and other popular retirement states, a higher cost of living and a shortage of middle-market senior housing are raising concerns for those ready to embark on a fixed income lifestyle. Construction costs for middle-market senior housing.

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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. Whole Banking is a Function of Team Banking Selling, servicing, and marketing small business banking is expensive because of the complexity.

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Conference Retail Community Bank Technology 195

Gonzobanker

FEBRUARY 8, 2022

Maybe instead of Acquire or Be Acquired, this conference should be called Evolve or Be Acquired,” observed Eric Sprink, CEO of Coastal Community Bank in Everett, Wash., At the same time, Michaud shared compelling data concerning just how big players like PayPal and Square have become relative to the market caps of traditional banks.

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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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South State Correspondent

AUGUST 8, 2022

Insight #1 – Deposit & Margin Management: Deposit runoff has started and will make it to community banks by October. For 2Q, larger community banks lost about 0.3% Institutional and corporate money will go to higher returning alternatives such as money market funds. Prime funds are offering a 1.86% rate which will trend up.

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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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PYMNTS

JUNE 27, 2019

At the same time, many early stage startups, particularly in the technology sector, still have access to traditional financing, like venture capital and private equity. Last week, small business accounting company ScaleFactor released a new survey on how SMBs access capital. Localizing Capital.

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PYMNTS

FEBRUARY 14, 2018

Leavitt continued, “Most people think of a Caribbean island as a strip of hotels on a beach, but each market is a meaningful economy that can be the size of a state in the U.S.”. This is just more of that, in a different region, with a great partner in Mastercard.”. The STP model is particularly suited for the Caribbean, said Leavitt.

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Marketing Cards Regional Payments 100

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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Lending US Capital Data 144

PYMNTS

DECEMBER 7, 2020

operations to PNC Bank , creating the fifth-largest regional player in the U.S. Firms with strong balance sheets, he said, have been in a position of strength to capitalize on select opportunities. No matter the size of the bank or the regional focus, there’s a general realization that disruption is on the horizon.

Google 282

Google Examples Regional Lending 282

Abrigo

JULY 15, 2015

Here are three ways you can help your clients acquire and manage their financial resources: One simple and, if well managed, surefire way to introduce more capital into the pockets of your clients is a business rewards credit card. Advise clients to look for business partners or help connect them with investors in their region.

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PYMNTS

JANUARY 18, 2019

The middle-market AP automation solution, Invoice-to-Pay, is integrating the Mastercard tool in an effort to promote the use of virtual commercial cards in accounts payable, MineralTree said. . That collaboration similarly involves the integration of Mastercard In Control.

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Cards Community Bank Tools Regional 138

Independent Banker

JANUARY 31, 2022

Here’s how four community banks are thriving in this environment. This region has the kind of energy that draws people to a place and helps them and their businesses thrive. That year, installations further south, in the region that includes Brownsville and Corpus Christi, supported an estimated 41,000 jobs and contributed about $4.6

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