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. This is strong evidence that community banks are pricing to an arbitrary minimum credit spread in this set of loans. Cost-plus pricing.

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How To Community Bank Community Management 195

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

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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Community Bank Community Regional Cleveland 150

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 3 Loan-level stress testing can help assess repricing risk, while capital stress testing helps clarify the impact of CRE loan losses on capital.

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Risk Management Management Lending Capital 221

South State Correspondent

APRIL 10, 2023

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. This development should strongly motivate community banks to consider the benefits of loan-level hedging. in Tier 1 capital.

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Community Bank Community Security Capital 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

PYMNTS

JANUARY 9, 2018

Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index. Here, again, lies another opportunity for community banks to fill the void. INTRUST Bank recently announced it is also taking part in the trend of collaborating with FinTechs.

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Community Bank Community Fintech Lending 131

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

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

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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US Community Regional Lending 108

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

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. In today’s credit environment, most quality borrowers have near-equal access to capital from multiple lenders. This cost to the bank is shown in the graph below.

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Community Bank Community Capital Maine 195

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

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. Conclusion.

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Community Bank Capital Training Lending 195

Independent Banker

MARCH 31, 2019

It’s always great to be with fellow community bankers, and now, as ICBA president and CEO, our members! It could be something as simple as making a loan to a new kind of business in your community, or bringing in a new technology. with our state regional partners. for our ICBA Capital Summit. for our ICBA Capital Summit.

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Washington Memphis Community Nashville 70

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

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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Capital Community Oklahoma Maine 145

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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Management Resources Capital Taxes 150

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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Texas San Antonio Community Bank Community 182

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

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. We sat through almost every presentation and took pages of notes. Traditionally, helping with the basics, as outlined below, has been common.

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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., The grassroots of community and regional banking will no longer be vanilla operations geographically focused. price/book multiple.

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Fintech Customer Experience Conference Technology 167

PYMNTS

FEBRUARY 24, 2016

One of the most significant: the health and importance of small businesses, and in particular, the “mom and pop” shops that line the main streets and side streets of our local communities. This quarter’s edition shows what happened, through the end of 2015, to the businesses that keep our local communities thriving and surviving.

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Maine South Carolina New Hampshire Capital 100

PYMNTS

JANUARY 15, 2019

Visa said Monday evening at a New York gathering in anticipation of the launch that events through a year-long campaign will include interactive workshops, tailored on a community-by-community basis. 30 kickoff in Atlanta will include access to experts from Visa and entrepreneurs operating both nationally and globally.

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Atlanta New York social media Community 189

PYMNTS

JANUARY 16, 2018

alternative lender Sorodo says small businesses (SMBs) in the nation remain unaware of the option to access a merchant cash advance, and that’s something the company plans to address this year, according to a press release the company issued Monday (Jan. The platform includes local and regional funders, the company noted.

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Lending Community Regional National 100

PYMNTS

OCTOBER 24, 2016

92% of South African SMEs are planning for growth next year , found a new report by the National Small Business Chamber (NSBC). Its 2016 National Small Business Survey signals widespread optimism across the nation’s small business community, despite economic challenges. debt recovery firm.

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Payments National Regional Survey 100

PYMNTS

SEPTEMBER 22, 2017

But a key B2B industry came in a very close second thanks to a European startup, and it’s a segment of the market recently identified by the European Commission as an up-and-coming part of the financial startup community that is sure to make waves. Blue Lotus Capital. Alternative Lending. CapitalBay. Honorable Mentions.

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Capital America Lending Industry 152

PYMNTS

JUNE 18, 2018

Thirty-four years have passed since SMB optimism was this high , according to the National Federation of Independent Business (NFIB). Nearly a third (30 percent) of SMBs said they have plans to make capital outlays, while 18 percent said they expect to increase employment; 4 percent said they plan to increase inventories.

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Lending Community Bank Regional Community 112

PYMNTS

FEBRUARY 10, 2017

With a goal of expanding its presence across the Nordic region, Enterpay, based in Finland, has raised new funding from NFT Ventures, the companies said Monday (Feb. Capital Float. million , India’s Zen Lefin, better known as Capital Float, will expand its abilities to lend to SMEs. B2B Payments. Alternative Lending. Rippleshot.

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Fintech Capital Lending Data 100

Independent Banker

APRIL 28, 2016

Finally, I focus on economic news in our markets, which include five communities south of Houston. The news will focus on capital spending and job creation with an emphasis on Galveston Island, which is where our community bank’s headquarters and largest market is. IB: Galveston has a big tourist economy.

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Dallas Texas Houston Community 131

Tech and Finance

JULY 13, 2016

Regional and mid-tier banks face an uphill battle on the digital front, but have advantages they can capitalize on with some focus and determination. Alarm bells are sounding in boardrooms of regional and mid-tier banks across the U.S. Or at least they should be. The 2016 U.S. Retail Banking Customer Satisfaction Study from J.D.

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Regional Mobile Millennials Study 28

Gonzobanker

DECEMBER 17, 2021

From nowhere, sizable regional players are being created. Some interesting finalists would be: M&T and People’s United Old National and First Midwest Webster and Sterling Columbia Bank and Umpqua. Performance and multiples continue to be solid, outperforming most regional banks. Bank Merger of the Year. 82% to over 2.3%

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Fintech Strategy Leadership Lending 147

PYMNTS

AUGUST 25, 2016

One of these lenders, Clearinghouse Community Development Financial Institution , better known as Clearinghouse CDFI, offers an interesting view into the state of SME finance. in particular, a cross-section of states that CEO Douglas Bystry says has its own unique demands and impacts on regional economies. A Regional Reach.

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Regulation Lending Community California 100

PYMNTS

JULY 8, 2016

With nearly $50 million in venture capital funding for B2B startups this week, the field didn’t fare too bad. With $3 million in new venture capital, Australia-based Airwallex is helping businesses pay and issue cross-border invoices in the currency of their choice. Check out our breakdown of all the deals below.

Capital 101

Capital Lending Industry Management 101

American Banker

DECEMBER 8, 2016

The $22 billion-asset company said in a press release Thursday that it is looking to sell 8.4 million shares of common stock, though it could sell another 840,000 shares if there is enough demand.

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National Capital Company NJ 28

Abrigo

OCTOBER 9, 2019

In a recent survey by the National Association for Business Economics, 74% of economists who responded expect a recession by the end of 2021. Stress testing gives an institution a serious look into their capital and reserves, and if they possess enough of each to remain viable, should a recession hit.

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Data Exercises Software Tools 150

PYMNTS

JULY 1, 2016

This week sure seems to hint that the answer is “yes ,” considering alt lending startups not only received the most venture capital this week, but they also received the highest funding rounds of any other B2B FinTech industry. Europe and Asia that followed suit with their own investment rounds. The firm announced a $3.8

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Lending Analytics Capital Industry 101