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

PYMNTS

JUNE 16, 2020

Cybercriminals are capitalizing on COVID-19, and they are doing so in tandem with the news cycle,” he said during the virtual hearing. They spoke before the Subcommittee on National Security, International Development, and Monetary Policy Tuesday. Head of Cybersecurity Strategy Tom Kellermann said, testifying before a U.S.

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US Cyber Security Security National 227

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

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. Some bankers will soon hear about another example of banks using derivatives that, unfortunately, will lead to losses. No ISDA documents.

Community Bank 195

Community Bank Community Compliance CA 195

PYMNTS

MARCH 12, 2020

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. However, the report notes that the USPS may not have the expertise or capital to enter those markets.

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Retail US Survey Examples 169

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

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

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. Uncertainty does surround us.

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Community New Jersey Meeting US 95

PYMNTS

NOVEMBER 5, 2020

The report stated Google Pay works with most broad payment forms, including big banks like Wells Fargo , Capital One or other similar FIs. The new additions keep up the tech giant's trend of filling out support for financial institutions (FIs) around the country, and Google Pay is now supporting almost 3,000 FIs in total.

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Google US Payments Apple 158

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

PYMNTS

JANUARY 5, 2021

The San Jose-based community development financial institution, or CDFI, on Tuesday (Jan. The Opportunity Fund provides working capital loans ranging from $2,600 to $100,000 to underserved businesses that might otherwise run afoul of more rigid underwriting requirements and more extensive documentation rules at traditional lenders.

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San Jose Lending Community California 198

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.

Community Bank 239

Community Bank Community Industry Texas 239

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.

Austin 91

Austin Texas Community National 91

PYMNTS

APRIL 14, 2020

To provide regional and community banks with a full-scale solution to manage and grow their FX programs, FinTech firm Derivative Path, Inc. Our industry-leading rates platform now combined with Currencycloud’s capabilities will make our offering even more powerful for our regional and community banking clients.”.

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Regional Community Bank America Community 181

Independent Banker

NOVEMBER 30, 2021

First Southwest Bank is carving out new business models to address a need for credit and financial services through nonprofit lending programs and software that leverages its community development financial institution (CDFI) funding. The $435 million-asset community development financial institution (CDFI) in Alamosa, Colo.,

Colorado 119

Colorado Community Bank Community New Mexico 119

PYMNTS

JUNE 5, 2020

If recent headlines have taught us anything, it is that economic support and investments can go a long way toward helping cities, businesses and individuals navigate any number of challenges (the pandemic is only among the most recent challenges). Across urban and rural settings, communities are in need of investment.

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Online Capital Community Data 134

Independent Banker

MARCH 31, 2019

. “Stepping into the unknown can help us accomplish great things.”. It’s always great to be with fellow community bankers, and now, as ICBA president and CEO, our members! Stepping into the unknown can help us accomplish great things. It helps us to flourish. for our ICBA Capital Summit. Where I’ll be this month.

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Washington Memphis Community Nashville 70

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).

Community Bank 195

Community Bank Community Lending Regional 195

South State Correspondent

JULY 5, 2022

We concluded that obligors showing less than 1.50X DSCR would be most at risk, but the average community bank underwrites to 1.20X DSCR. Many bankers responded that their loan-to-values (LTVs) are low and expect that the secondary source of repayment will protect the bank’s capital. in December 2021). Cap Rate and LTV Relationship.

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Management Capital US Community Bank 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. Step 1: There is No Prepayment Penalty on the Loan.

How To 195

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. In the past, you have seen us rank customer relevance and total experience as a top priority for banks – not in 2023. Those loans are now worth $0.85 Conclusion.

Community Bank 195

Community Bank Capital Lending Training 195

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. Many of the $1.7

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Lending Community St. Louis Community Bank 158

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

Community Bank 196

Community Bank Community National Fresno 196

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

PYMNTS

MARCH 30, 2020

PYMNTS asked more than 200 SMB owners across a variety of sectors, sizes and geographies to tell us about their experiences before the crisis, and now in the midst of it. Many are businesses that have been around for years and employ people living in the community, whose paychecks help keep those local economies strong, too.

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Maine Data Capital Study 232

Jeff For Banks

AUGUST 3, 2020

For most of us, the onset of a recession means a time to assess the risk on our balance sheet, to tighten underwriting standards, and ramp up workout teams. Capital aplenty. Sure, community banks had little to do with liar loans or what was otherwise termed sub-prime. But many banks were, including the nation's largest.

Community Bank 88

Community Bank Community Capital Analytics 88

Independent Banker

APRIL 28, 2016

Ruby Valley National Bank is not much different from other community banks, except our risk threshold is probably higher than most. Serving a marketplace with a population of 7,800, where cows outnumber people by five to one, our community bank has developed strong agricultural lending expertise. Ruby Valley National Bank.

Community Bank 70

Community Bank Community National Lending 70

PYMNTS

JANUARY 25, 2018

According to a report in TechCrunch , Fiverr CEO Micha Kaufman said that once the deal is complete, Fiverr will offer AND CO’s online tools for free, with the goal of reaching more freelancers and building loyalty among those already using the marketplace.

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Tools Capital Online Community 101

PopularBank

OCTOBER 13, 2020

According to a recent study , the state experiences one of the worst racial wealth gaps in the nation. The Newark 40 Acres and a Mule Fund will bring pride and prosperity to our city as a whole and to our Black and Latinx business community in particular.”. The fund additionally announced its plans to raise $10 million by year end.

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New Jersey Community NJ New York 52

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.

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Conference Retail Community Bank Technology 195

PYMNTS

DECEMBER 14, 2018

On-demand staffing platform Wonolo has announced a partnership with Waze Carpool to provide carpooling services for Wonolo’s community of more than 300,000 local gig workers. Launched nationally in October, Waze Carpool now has 110 million monthly active users globally.

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Chicago Resources Community National 119

Independent Banker

APRIL 30, 2019

I was blown away by the incredible community banks that are featured, and I have a feeling you’ll feel the same way! Even after such a phenomenal ICBA LIVE and the ICBA Capital Summit, which may be happening as you read this, I can still draw such inspiration from our nation’s community bankers. Where I’ll be this month.

Community Bank 70

Community Bank Tampa Community Washington 70

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

MARCH 24, 2017

Here is an excerpt of the conversation: PYMNTS: Can you describe your personal and professional experience with the tech community in Chicago? As a company, Occly is closely involved with the Chicago tech community. Given that we’re not working out of an accelerator or incubator, it’s important to attend industry and community events.

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Chicago United States Community Illinois 114

Abrigo

MAY 1, 2017

When the work became too much for the two of us to handle ourselves, we hired our first employee. The SBA is here to help, with resources both online and in communities from coast to coast. Many entrepreneurs need capital to start or expand their small business, combining what they have with other sources of financing.

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Puerto Rico Virgin Islands Guam Resources 150

Abrigo

JUNE 5, 2015

Sorrentino says, “As the backbone of the US economy, our nation’s growth depends on community banks figuring out how to operate in this ever-increasing regulatory environment.

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Risk Management Community Bank Regulation Survey 150

PYMNTS

MAY 18, 2017

Appear Here’s Series B round was led by Octopus Ventures and saw participation from Simon Venture group as well as existing investors Balderton, MMC, Meyer Bergman and Playfair Capital. Appear Here is the world leader at what we do and this is the perfect time for us to scale. All told, the company has raised $21.4

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New York City New York Retail Online 100