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Commercial Credit Trends – Where to Tread Carefully

South State Correspondent

This data is critical for pricing, capital allocation, and marketing. The operative question is when commercial PODs will show a spike. Minnesota, North Dakota, and Iowa were the least risky states to lend into. ” The reality is that banks should be much more granular than that to allocate capital more efficiently.

Trends 195
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Addressing The Symptoms Of Pharmacies’ Cash Flow Ailments

PYMNTS

More so than the average SMB, independent pharmacies are particularly affected by the state of the healthcare market and its regulatory shifts. While all small businesses may struggle with cash flow, certain market forces in the pharmaceuticals and healthcare space make owning a small pharmacy a challenging endeavor.

Capital 130
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A community bank-fueled payments rail

Independent Banker

based banks, fintechs and more, sits on top of a payments rail operated by Payrailz, a digital payments company based in Glastonbury, Conn. For a community bank to be innovative means you need to make big bets with your depositors’ capital—and that’s something we take very seriously,” Thurlow says. “By billion-asset community bank. “As

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How to keep good employees

Independent Banker

Power skills allow bank teams to add value beyond any automated or intelligence system, operate in a digital environment and continually adapt to new ways of working and new technologies.”. One community bank that has found success in retaining its best employees is $180 million-asset Malvern Bank in Malvern, Iowa.

How To 91
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Banking's Top 5 in Total Return to Shareholders: 2019 Edition

Jeff For Banks

I chose five years because banks that focus on year over year returns tend to cut strategic investments come budget time, which hurts their market position, earnings power, and future relevance than those that make those investments. Total return includes two components: capital appreciation and dividends. First Capital, Inc.

Indiana 78
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Analyzing The Private Market Investment Strategies of P&C Insurers

CB Insights

These include wireless home monitoring startup Notion (XL Innovate, Liberty Mutual Strategic Ventures), on-demand homeshare insurance startup Slice Labs (XL Innovate, Munich Re/HSB Ventures), virtual auto claims operations firm Snapsheet (USAA, Liberty Mutual), and contract-related insurance startup Bunker (American Family Ventures, Hiscox).

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Who were ICBA’s Top Lenders of 2022?

Independent Banker

He sensed the family’s passion and liked their idea of starting with selling milk at farmers’ markets, roadside shops and small grocery stores. We worked with them with loans to buy equipment and vehicles for delivery and the beginning operational cash needs of the business,” Bunnell says. Iowa State Bank. Iowa Falls.