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?

Community Bank 144

Community Bank Community Lending Louisiana 144

Abrigo

MARCH 6, 2016

Two out of every three bank executives and directors surveyed recently believe their bank needs to grow significantly in order to compete in today’s market, but how will they do that? One of every 12 bankers and board members surveyed, or 8 percent, see the deal environment as less favorable.

Capital 150

Capital Survey Meeting Resources 150

PYMNTS

JANUARY 6, 2020

Community banks are pushing for a stronger role with their small business (SMB) customers. However, through an embrace of FinTech collaboration and industry consolidation, community banks appear poised to further dispel assumptions of a lack of digitization. has dropped from 8,000 in 2004 to about 5,400 in 2018. Strengthening SMB Ties.

Community Bank 123

Community Bank Community Payments Fintech 123

Abrigo

OCTOBER 9, 2014

This article is the second in a two-part series on top concerns and growth strategies of community banks. We can find answers in the August Bank Director’s 2014 Growth Strategy Survey , which asked executives from banks of all sizes across the United States about their growth strategies for the next 12 months.

Community Bank 237

Community Bank Strategy Community Survey 237

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.

Community Bank 150

Community Bank Community Regional Cleveland 150

Abrigo

APRIL 25, 2024

The negative correlation of funded business loans to the Fed funds rate is a staggering 86% as businesses weigh their needs for capital against expensive debt and lenders aim to limit risk. Almost half sought credit to grow their businesses, and 28% applied to make repairs or replace capital assets.

Lending 222

Lending Trends Capital Strategy 222

Abrigo

DECEMBER 28, 2023

The eBook also explained the critical steps of capital planning to meet financial institution goals and critical modeling assumptions for key funding sources. Another loan review resource is the on-demand webinar covering the survey. The popularity of this whitepaper on stress testing, then, is understandable.

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Resources Risk Management eBook Strategy 222

Abrigo

DECEMBER 22, 2023

You might also like this resource, Abrigo's "2022 Loan Review Benchmark Survey Results." download NOW Takeaway 1 The most popular blog posts on the Abrigo site reflect many of the priorities community banks and credit unions had in 2023. The institution can more easily capitalize on opportunities and avoid unnecessary risk.

Lending 222

Lending Risk Management Community Management 222

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Lawmakers and the regulatory community have taken notice of the increase in bank service charges and fee income and have responded, specifically regarding overdraft fees. Community banks target growth.

Community Bank 195

Community Bank Community FDIC Trends 195

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.

San Francisco 130

San Francisco Community Bank Video Capital 130

PYMNTS

JUNE 11, 2020

Existing investor D1 Capital Partners contributed as well. A PYMNTS survey of 2,064 customers found that some are using digital means for retail right now but are likely to rejoin the public sphere once it’s safer, and others, concerned with catching the virus, are likely to continue using digital products.

Survey 159

Survey Community America Meeting 159

Abrigo

MAY 24, 2023

Bipartisan support The SAFE Banking Act's long road to the Senate Many in the AML/CFT community have been watching the unfolding of the Secure and Fair Enforcement (SAFE) Banking Act for some time now with no significant progress. Sherrod Brown, D-Ohio, in the same hearing. appeared first on Abrigo.

Lending 195

Lending Fraud Operations Ohio 195

South State Correspondent

JANUARY 4, 2023

The irony here is that more than half the banks we recently surveyed had some goal and metric around asset growth. 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. Noticeably absent from the list below is growth.

Community Bank 195

Community Bank Capital Lending Training 195

Abrigo

FEBRUARY 27, 2020

Abrigo's Business Lending Readiness Survey found many processes stymie those efforts. Abrigo’s 2020 Business Lending Readiness Survey found many bankers are dealing with processes that stymie those efforts. Survey: Repetitive data entry common. Another 9% of respondents said turnaround is 8 weeks or longer. learn more.

Lending 243

Lending Survey Data System 243

PYMNTS

JUNE 11, 2020

Existing investor D1 Capital Partners contributed as well. A PYMNTS survey of 2,064 customers found that some are using digital means for retail right now but are likely to rejoin the public sphere once it’s safer, and others, concerned with catching the virus, are likely to continue using digital products.

Company 130

Company Survey Community America 130

Bank Innovation

SEPTEMBER 14, 2018

Banks and fintech ranked artificial intelligence and machine learning as their top innovation priority, according to a Bank Innovation survey. Bank Innovation asked people in the banking and fintech community to list what’s top on their innovation wish list.

Innovation 186

Innovation Survey Fintech Community 186

Abrigo

FEBRUARY 23, 2022

A recent survey by Abrigo found that 87 percent of banks surveyed are working to win more small business loans in 2022. Configured vs. Customized Considering the complexity of the banking technology ecosystem, it is rare that a financial institution has the capital and wherewithal to build its own lending software system.

How To 195

How To Lending Software Survey 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.

Retail 169

Retail US Survey Examples 169

PYMNTS

MAY 22, 2020

“As the economy shifts from rescue to reopen, Congress and communities alike need to focus on places rather than just products in the design, finance and delivery of recovery aid,” said Bruce Katz , director of Drexel University’s Nowak Metro Finance Lab. “To The federal role will extend beyond capital,” Katz noted.

Maine 138

Maine Philadelphia Community Groups 138

PYMNTS

SEPTEMBER 24, 2020

In an interview with Karen Webster, John Rainey , chief financial officer and executive vice president of global customer operations at PayPal , noted that CFOs (including himself) have learned to pivot, too, with ground-level, tech-driven insights that move well beyond simply tracking money flows. What’s Important To Merchants.

Analytics 293

Analytics Examples Trends Operations 293

Abrigo

JUNE 5, 2023

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. Takeaway 2 Reports that assess capital, growth, and liquidity provide banking professionals data to drive decisions.

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Report Risk Management Capital Data 195

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. Already, in the space of those three weeks, 5 percent of the SMBs we surveyed reported closing their doors for good. A third (33 percent) aren’t sure they will.

Maine 232

Maine Data Capital Study 232

Independent Banker

DECEMBER 31, 2022

Here’s how community banks can enhance their payments offerings. We’ve got capital market resets that are potentially happening, technology advancements and continued heightened digital expectations. As 2023 kicks off, community banks can respond to today’s payments landscape by addressing five key trends. By Colleen Morrison.

Trends 140

Trends Payments Community Bank Texas 140

Abrigo

DECEMBER 22, 2023

Those read most often in the past year include several that offer practical advice for operating ALM and CECL models. Read this blog for ten key reports on capital, growth, and liquidity that can help financial institutions identify increased risk and shape strategy in tricky conditions.

Risk Management 222

Risk Management Regulation Management Lending 222

PYMNTS

DECEMBER 24, 2020

The evolution of the corporate card this year revealed just how dynamic the payment tool can be for organizations thanks to value propositions like spend controls and visibility, as well as capital float. For buyers, of course, there is the added capital float and opportunity to enhance spend visibility and control. A Recharted Future.

Course 202

Course Cards Capital Payments 202

PYMNTS

JANUARY 22, 2020

Function shoppers complete online surveys – a basic part of the DTC website experience these days. The survey is designed to help customers build a hair profile: They answer questions about their hair’s structure (straight, curly, dry, oily, etc.) DTC Analytics. One recent example comes from Los Angeles-based Pepper.

Los Angeles 131

Los Angeles Analytics Retail Survey 131

Abrigo

NOVEMBER 18, 2016

In a survey of community banks and credit unions at the 2016 Sageworks Risk Management Summit, 42 percent of respondents said Commercial Real Estate, or CRE, lending was their primary focus for loan portfolio growth. This reflects a larger industry trend. For many, commercial real estate lending may be the ticket.

Community Bank 150

Community Bank Handbook Lending Risk Management 150

Abrigo

OCTOBER 7, 2014

In a recent survey conducted in partnership by the Federal Reserve and the Conference of State Bank Supervisors ( CSBS ), over 1,000 community bankers weighed in on a range of hot button issues facing their organizations in 2014. As such, capital and strategic planning will play a pivotal role in staying ahead of the curve.

Trends 232

Trends Capital Community Industry 232

Abrigo

MARCH 24, 2021

Independent Banker Survey. The top banking challenges in 2021 are growing loans and earnings, according to Independent Banker’s recent 2021 Community Bank CEO Outlook survey. Nearly universally, community financial institution PPP lenders have reported winning new business customers as a result of their help during the PPP.

Lending 221

Lending Technology Survey Examples 221

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.” .” Meanwhile, in the U.S., and the U.K. 34 percent of U.S.

Lending 144

Lending US Capital Data 144

Independent Banker

JUNE 30, 2022

Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. But as they always do, they came through for individuals and businesses in their communities with a combination of personalized service and prudent risk management practices. Bunnell; and Doug, Genelle and Jagger Jones.

Community Bank 172

Community Bank Community National Philadelphia 172

PYMNTS

AUGUST 12, 2020

To gauge the economic health and vitality of local economies, one need look no further than the financial stability of the small and medium-sized businesses that line the main streets and side streets of communities across the nation. One of the digital tools in which Main Street SMBs show great interest is real-time merchant fund settlement.

Maine 183

Maine Survey Study Tools 183

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. Sageworks is currently conducting our biennial Bank and Credit Union Examination Survey , which focuses on federal exam experiences.

Risk Management 150

Risk Management Community Bank Regulation Survey 150

PYMNTS

MAY 2, 2016

The bank, which released the report late last week ahead of National Small Business Week (which began May 1), revealed that 81 percent of the more than 500 SMEs surveyed said they have not worked with existing community resources, like their local chamber of commerce. Instead, small business owners turn to their peers for help.

Resources 100

Resources Community National Capital 100

PYMNTS

MAY 3, 2018

The company’s 2018 PACE (Performance Against Customer Expectations) Report, published on Wednesday (May 2), found large financial institutions (FIs) are vulnerable to losing their small business customers, which tend to experience greater satisfaction levels at regional and community banks. The survey found small businesses in the U.S.

US 100

US Community Bank Community Survey 100

Abrigo

JULY 15, 2015

The transition from compliance to consulting makes sense: tax season is just that, a “season,” and nearly 60 percent of respondents to a Sageworks survey indicated they saw an increase in total revenue by adding financial services to their accounting practice. The advantage of working capital is obvious to some degree.

Management 150

Management Resources Capital Taxes 150

PYMNTS

APRIL 30, 2018

and finance experts are celebrating with new data on the state of the entrepreneurial community. More than 90 percent of survey respondents said they feel the government did not adequately prepare the small business community for the new tax code. National Small Business Week is this week in the U.S.,

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Taxes America National Community 144