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

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

Independent Banker

NOVEMBER 30, 2022

First National Bank and Black Tech Nation Ventures teamed up to support minority-owned startups in the Pittsburgh community and beyond. Driven by her goal to cultivate a supportive community for diverse tech startups, Kelauni Jasmyn founded the fiscally sponsored nonprofit Black Tech Nation in Pittsburgh in 2018.

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Company Community National Maryland 110

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. Unfortunately, some banks adopted BSBY as one of their preferred indexes and in doing so created risk in derivatives and operations. No ISDA documents.

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Community Bank Community Compliance CA 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

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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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

PopularBank

MAY 1, 2020

A Message from Chief Operating Officer Manuel Chinea. 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.

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Community New Jersey Meeting US 95

Abrigo

MAY 8, 2015

In recent months, the momentum around reducing the regulatory burden on the nation’s community banks has continued to gain steam. However, the regulatory landscape continues to evolve, leaving resource-constrained community banks to cope with new demands. The second idea is community bank exemption from the Volcker Rule.

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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. The 2014 Small Business Credit Survey was a joint operation conducted by the Federal Reserve Banks of New York, Atlanta, Cleveland and Philadelphia.

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Community Bank Community Regional Cleveland 150

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

MARCH 31, 2022

Executive committee members tell us what advocacy issues they’ll be focused on during their terms, while board members share their words of wisdom for up-and-coming community bankers: themselves. To sum it up, these leaders are all in and all heart for community banking. We are not Wall Street banks—we are community banks.

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Community Bank Community Industry Texas 239

PYMNTS

SEPTEMBER 30, 2020

House committee this week began reviewing the idea of allowing the likes of Amazon or Facebook to receive charters to operate as banks — an idea that’s already gotten plenty of pushback from traditional financial institutions (FIs). However, the banking industry doesn’t like that one bit. “We

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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. In addition, they may consider focusing on these five critical areas: Improve Operating Leverage. Improving efficiency is like “losing weight” and “working out more.”

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Community Bank Capital Training Lending 195

Independent Banker

AUGUST 31, 2022

Daniel Galindo, pictured, and Doug Schaeffer of Woodforest National Bank helped involve the community bank in providing funding for and access to affordable housing. Name: Woodforest National Bank. Doug Schaeffer, Woodforest National Bank. Doug Schaeffer, Woodforest National Bank. By Aileen McDonough.

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Austin Texas Community National 91

PYMNTS

DECEMBER 8, 2020

economic slowdown fueled by the COVID-19 pandemic is likely to continue into 2021 but could start bouncing back by mid-year as the population gets vaccinated, according to a December survey from the National Association for Business Economics (NABE). Capital One Halts BNPL Transactions On Its Credit Cards.

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San Francisco Community Bank Video Capital 130

Independent Banker

APRIL 30, 2022

Here’s how community bankers can take advantage of various sectors—including SBA lending—over the next 12 months. Community banks that have struggled to grow their commercial loan portfolios over the past two years are optimistic that there are brighter days ahead this year and next. billion asset community bank.

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Lending Community St. Louis Community Bank 158

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

Independent Banker

JULY 31, 2022

Observing the gap in pandemic relief in south Florida due to a lack of local community banks, a trio of banking veterans teamed up to form a digital-first community bank—and were granted a charter in record time to support local businesses. By Katie Kuehner-Hebert. Name: Locality Bank. Assets: $55 million. Built on a solid foundation.

Florida 91

Florida Community Bank Community FDIC 91

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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Community Bank Community Leadership Arkansas 172

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

PYMNTS

JUNE 17, 2019

The dispute over the Office of the Comptroller of the Currency ‘s (OCC’s) national bank charter, which became available to FinTech firms last year, has reportedly caused technology conglomerates to shy away from a tool that aims to provide nonbank firms with a more streamlined way to operate on a national level.

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Google National Fintech Regulation 142

PYMNTS

FEBRUARY 8, 2019

However, venture capitalists are urging caution on the tech startup community. The company recently announced $10 million in venture capital funding, led by GV and Foundation Capital, while Amicus and Pierre Lamond also participated. Brazil’s Adianta has announced $2.18

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Fintech Capital New York City Analysis 188

South State Correspondent

MARCH 16, 2022

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. We want to share his strategy so that community banks can manage their marketing more effectively. This is by far the most common provision. Alternatively.

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How To Community Bank Community National 195

PYMNTS

MARCH 12, 2020

billion in revenue and cost $5 billion to operate. Offering additional non-postal products and services at USPS retail facilities could provide consumer, government or community benefits, but viability may be limited,” the report states. It recommends that the USPS weighs the costs and benefits.

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Retail US Survey Examples 169

PYMNTS

MAY 2, 2016

aren’t taking full advantage of resources and services provided by national and local governments, a new report from Fifth Third Bank has found. It’s OK to have a portion of your personal wealth in your business, but you shouldn’t drain your savings or create excess debt to fund daily business operations,” he stated. “By

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Resources Community National Capital 100

PYMNTS

MARCH 30, 2020

Today, nearly all SMBs (those that remain in operation, that is) have been forced to divert that sense of optimism into a battle for their survival. 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.

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Maine Data Capital Study 232

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. Main Street Banking: A Podcast for Community Bankers 8. It also examines how community banks are different than other types of financial institutions, along with strategies for optimal operations.

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Community Lending Maine Resources 195

PYMNTS

NOVEMBER 6, 2018

Dr. Jonathan Mordis, PharmD, CPh, VP of business development at Corporate Capital Direct unit Rx Fund Assist , pointed to one of the root causes of cash flow pain for independent pharmacy owners. CVS’s operation as a pharmacy benefits manager through CVS Caremark has moved to the center of industry controversy.

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Capital Iowa Management Community 130

South State Correspondent

DECEMBER 8, 2023

In two days, you can hear from Chase, US Bank, Capital One, BMO, M&T, PNC, Citizens, Truist, Huntington, and more, a feat that can only be done at a conference of this caliber. Many banks were looking to install more automation to lower operating costs. We sat through almost every presentation and took pages of notes.

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Conference Retail Community Bank Technology 195

Independent Banker

AUGUST 31, 2021

This year’s winners: Left: Central Valley Community Bank, People’s Choice Award; Middle: Kennebec Savings Bank, Exceptional Community Bank Service Award; Right: Cross River Bank, Emerging Service Program Award. Exceptional Community Bank Service Award. Instead, we give those dollars to the community.”. Asset size: $1.36

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Community Bank Community National Fresno 196

PYMNTS

MARCH 12, 2019

Alternative lenders position themselves as faster, technologically-savvy options for small to medium-size businesses (SMBs) that seek capital, while many of the FinServ providers in the running for RBS funds operate as digital-first companies ready to meet small firms’ need for automation, online platforms and cutting-edge banking services.

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Metro Community Industry National 139

PYMNTS

APRIL 30, 2018

National Small Business Week is this week in the U.S., and finance experts are celebrating with new data on the state of the entrepreneurial community. But analysts from Bank of America, Square, Navcom and the National Association for the Self-Employed warn that challenges for some SMBs have reached new heights, too.

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Taxes America National Community 144

South State Correspondent

JULY 5, 2022

In a stagflation environment, as interest rates rise and cash flow (earnings before interest, taxes, depreciation, and amortization (EBITDA), or net operating income (NOI)) decreases, the borrower’s capacity to service debt as measured by the debt service coverage ratio (DSCR) decreases rapidly. in December 2021).

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Management Capital US Community Bank 195

Abrigo

NOVEMBER 17, 2023

While some of the recent trending fraud schemes are not new, they have been transformed to prey on communities already dealing with unprecedented times. Additionally, the human capital investment—in terms of both hiring fraud prevention experts and training existing staff—represents a significant operational expense.

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Fraud Training Trends Compliance 195

Independent Banker

APRIL 30, 2022

Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own path to success. In true community bank fashion, each has its own story to tell and its own path to success. Philadelphia.

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Community Bank Community Montana Taxes 172