South State Correspondent

MARCH 5, 2024

When we analyze the same size/ROA relationship using banks’ efficiency ratios, it is not surprising that community banks (under $10B in asset size) have, on average, a 5% higher efficiency ratio than regional banks ($10B to $50B in asset size) as shown in the graph below. Larger loans have lower credit risk, all else equal.

Community Bank 195

Community Bank Community National Lending 195

South State Correspondent

MARCH 5, 2024

When we analyze the same size/ROA relationship using banks’ efficiency ratios, it is not surprising that community banks (under $10B in asset size) have, on average, a 5% higher efficiency ratio than regional banks ($10B to $50B in asset size) as shown in the graph below. Larger loans have lower credit risk, all else equal.

Community Bank 195

Community Bank Community National Lending 195

South State Correspondent

AUGUST 16, 2023

Even if your bank has limited consumer exposure, given that the consumer composes approximately 66% of the US economy, and, according to the yield curve and market pundits, we are all staring into a recession, paying close attention to consumer trends is critical. This bankruptcy profile is a new trend not previously seen.

Trends 195

Trends Cards Capital Data 195

PYMNTS

DECEMBER 7, 2020

The pandemic, after all, has obliterated “normal” business trends and caution reigns. operations to PNC Bank , creating the fifth-largest regional player in the U.S. Firms with strong balance sheets, he said, have been in a position of strength to capitalize on select opportunities. Gearing Up For Disruption.

Google 282

Google Examples Regional Lending 282

South State Correspondent

APRIL 10, 2023

CRE Risk Background While ten years ago, community and regional banks use to make up some 55% of the CRE market, in 2023, these banks now compose approximately 72% (below). In secondary and tertiary markets, it is only smaller financial institutions lending. This article explores the risk and what to do about it.

Community Bank 195

Community Bank Community Los Angeles Regional 195

PYMNTS

SEPTEMBER 6, 2019

landed on the board, too, as alternative lending, small business banking, back-office financial management and accounts receivable technology enticed backers. Challenger bank Yelo, operating in India, raised an undisclosed sum from Matrix Partners India, Omidyar Network, Flourish VC and Better Capital, Inc 42 reports said this week.

Fintech 155

Fintech Capital Lending Operations 155

The Financial Brand

AUGUST 24, 2023

This article How Proposed Capital Rules Could Hit Credit Cards, Mortgages and More appeared first on The Financial Brand. Regional bank failures and troubles in early 2023 may bear bitter fruit for the institutions in that size class and beyond that survived.

Capital 29

Capital Cards Regional Branding 29

Bank Innovation

JUNE 6, 2016

Whether it is equity or debt platforms, the trend is very much alive with regional variations and adapting regulations.

Fintech 150

Fintech Regional Capital Regulation 150

Abrigo

JULY 14, 2023

Before finalizing this goal, management should consider the following: Historical trends Current CRE concentrations Market analysis Loan pricing considerations Real estate industry performance and Peer comparisons. These should include historical interest rate and credit performance trends (e.g., CRE concentration report.

Strategy 195

Strategy Data Analytics Analysis 195

PYMNTS

JUNE 18, 2018

Biz2Credit’s latest Small Business Lending Index found that loan approval rates at alternative lenders stagnated – and at credit unions, they actually fell. Thirty percent of small business loan applications at big banks got approved in May, according to Biz2Credit’s latest Small Business Lending Index.

Lending 112

Lending Community Bank Regional Community 112

CB Insights

APRIL 16, 2019

Southeast Asia is a historically underbanked region. As of 2018, only 47% of adults in the region had a bank account, while only a third of Southeast Asian SMEs had access to loans or lines of credit. READ THE 2019 FINTECH TRENDS REPORT. See the data behind this trend and more in our Fintech Trends Report.

Fintech 73

Fintech Regional Trends Lending 73

CB Insights

OCTOBER 26, 2021

In our State of Fintech Q3’21 Report, we dive into global investment trends to spotlight takeaways including: . Which sector, from payments to digital lending to capital markets tech, saw a blockbuster $2B quarter. See who’s leading the charge, from the startups seeing the top deals to the regions with the biggest funding booms.

Fintech 100

Fintech Report Regional Lending 100

PYMNTS

SEPTEMBER 13, 2017

To help SMBs overcome their fears and expand their global reach, Payoneer and UPS Capital have announced a new service for the latter’s SMB customers, a soluion which helps them process B2B transactions through a licensed escrow service. APIs invite innovative changes to banking. To read the story, download the latest Tracker. .

Strategy 190

Strategy Report Lending Fintech 190

Gonzobanker

FEBRUARY 8, 2022

COVID revealed most regional banks and community banks to be woefully behind in this arena, and now these institutions are struggling with speed-to-market and finding their right vendors and fintech partners to keep their promises on transformation. experiments with a more visible move from shareholder capitalism to stakeholder capitalism.

Fintech 165

Fintech Customer Experience Conference Technology 165

CB Insights

FEBRUARY 20, 2020

This has caused some investors to pull back in the region and challenged startups to raise funding from new investors, as illustrated further below by the number of unique investors and startups in the LatAm fintech market. GET THE 102-PAGE q4 2019 FINTECH TRENDS REPORT. Track the LatAm fintech space. Track LatAm fintech companies.

America 96

America Marketing Fintech Regional 96

PYMNTS

JANUARY 9, 2018

With big banks pulling back from small and medium-sized business (SMB) lending in the wake of the global financial crisis, the market was ripe for someone else to fill the credit gap. Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index.

Community Bank 131

Community Bank Community Fintech Lending 131

PYMNTS

AUGUST 25, 2016

The company takes a more narrow focus to small business lending than some other FIs by targeting the western U.S. 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. So, there is a real need, and we see this trend line growing.”

Regulation 100

Regulation Lending Community California 100

PYMNTS

JANUARY 8, 2019

But the trend, at least for fundamentals, is certainly less sanguine than had once been in place. That reluctance to lend, coupled with higher interest rates , will have a ripple effect on supply chains, said the executive. . By any reckoning, there may be a reckoning coming for stocks. But this time may well be different.

Lending 122

Lending Capital Regional Marketing 122

BankUnderground

JANUARY 27, 2021

One key message stands out: banks that are more rooted in their market are much more likely to continue lending when faced with the economic fallout from such shock. Banks with access to central bank liquidity continued or even expanded their lending. Furthermore, over time the negative trend reversed due to catching up effects.

Lending 70

Lending Study Marketing Capital 70

Gonzobanker

NOVEMBER 2, 2023

Banks and credit unions that are successfully transforming today tend to skeptically analyze new industry trends and conduct the hard work to dig into the details. Pillar #2: Leaders Transcend Daily Hustle to Build New Systems Most regional and community banks grew up executing the fundamentals with sheer hustle and hard work.

Leadership 154

Leadership Industry Management Resources 154

Bank Innovation

MAY 9, 2017

There is a need to provide the premium utilities (Data, Capital, Security, Compliance, Identity) and the platforms aggregate, assemble and deliver them. Fintechs and smaller players are creating the component parts of these solutions in the form of conventional products.

Data 191

Data Trends Industry Examples 191

PYMNTS

APRIL 21, 2020

There are a whole range of forward-thinking firms leveraging application programming interfaces (APIs) to issue cards, to create virtual accounts, promote micro-lending and micro-saving and even pay workers — all in bits and bytes. “It’s As Verdon said, “it’s not just financial services businesses going into these new use cases.”

Branding 232

Branding Innovation Regional Fintech 232

PYMNTS

AUGUST 1, 2018

Small businesses are essential job generators, and the major driver of economic growth and vibrancy for all regions of the country.”. The BPC report cited an analysis by Goldman Sachs, showing — as a result of the Great Recession — about 675,000 more small businesses were considered ‘missing,’ compared to what trends would normally predict.

Policies 100

Policies Report Regulation Maine 100

BankUnderground

AUGUST 16, 2023

Business investment, like capital expenditure (capex), business expansion and research and development (R&D) is better financed by larger facilities such as a loan, making a bank loan more suitable. With over 50% of these SMEs stating working capital for cash flow as the main reason for needing finance.

Lending 82

Lending Regional Cards Company 82

PYMNTS

NOVEMBER 7, 2018

Management pointed to tightening credit standards even as rising rates helped boost results, trends that are likely to continue. That growth was outpaced by a record number of applications, up 30 percent year on year, as LendingClub looks to spur “awareness” of the benefits of fixed-rate lending in an era where interest rates are on the rise.

Taxes 159

Taxes Management Risk Management Capital 159

South State Correspondent

OCTOBER 28, 2022

Big Idea – Trends. Instead of promoting a commercial lending product, a bank will roll out augmented reality that overlays maximum loan values and indicative rates on buildings to help potential buyers decide when they drive areas looking for locations. Complicated technology sucks, but mortality sucks more. A balance sheet matters.

Conference 195

Conference Technology Las Vegas Trends 195

NCR

MARCH 23, 2017

Countries like the UK, China and the US are traditionally seen as the powerhouses of the fintech world, but it’s testament to the expanding global presence of this market that the Middle East and North Africa (MENA) region could be its next big growth engine.

Fintech 45

Fintech Regional Innovation Lending 45

CB Insights

SEPTEMBER 10, 2020

Our recent webinar — The State of Fintech Q2 2020: Funding Rebound Reveals the Next Leg of Fintech Innovation — highlighted key fintech trends and deals from the second quarter of 2020, including the rise of embedded fintech applications and demand for digital banking services. Free Download: State of Fintech q2’20.

Fintech 46

Fintech Innovation Lending Regional 46

CB Insights

APRIL 11, 2019

In this briefing, we analyze the Southeast Asia venture capital landscape, macro trends affecting the region, where deals and dollars have trended and a look ahead at which areas might be primed for startup investment in the future. As a whole, development of digital finance in Southeast Asia is still in the early stages.

Fintech 56

Fintech Regional Trends Conference 56

Gonzobanker

DECEMBER 17, 2021

From nowhere, sizable regional players are being created. million gets the vaunted consumer lender a much-prized bank charter, low-cost deposits to juice current earnings, and a business lending capability to drive future growth. Performance and multiples continue to be solid, outperforming most regional banks. Has to be M-O-E.

Fintech 142

Fintech Strategy Leadership Lending 142

CB Insights

OCTOBER 10, 2017

in 2017 YTD (9/13/2017) — more money than the region has ever pulled in before. Those investing in the region include China’s tech giants , the region’s conglomerates owned by some of the region’s richest families, and venture capital funds. Insignia Venture Partners. Vertex Ventures.

Regional 73

Regional Capital New York Management 73

Fintech Labs Insights

AUGUST 12, 2016

Compiled by the research team at Finovate, this post looks at trending topics of the past week or two. Trending highest: No Lush Life for Alt Lenders. If unanimously positive perceptions are the hallmark of a bubble, then rest assured that the alt-lending market has moved past that stage. Other trending topics.

Trends 12

Trends Lending Fintech blockchain 12

BankUnderground

JULY 7, 2020

Using this series, I argue that current interest rate trends cannot be rationalized in a “secular stagnation” framework that has been “ manifest for two decades ”. Though early modern German GDP estimates are less robust than similar ones for Britain , Spain , or Italy , there is a common trend in each country R-G series.

CA 115

CA Trends Exercises Data 115

CB Insights

AUGUST 17, 2017

In this briefing, we analyze the Southeast Asia venture capital landscape, macro trends affecting the region, where deals and dollars have trended and a look ahead at which areas might be primed for startup investment in the future. Tech Investing in Southeast Asia. First Name.

Fintech 36

Fintech Comparison Lending Capital 36

CB Insights

AUGUST 26, 2021

SoftBank’s capital firepower has helped it become the #2 unicorn investor in the world. Konfio , for instance, provides business credit and lending. Clearco provides growth capital for small businesses. Investments into e-commerce appear to be more regionally focused than other industries.

Regional 94

Regional Fintech Analysis Company 94

PopularBank

JUNE 17, 2020

With South Florida Region Executive Israel Velasco. As we continue to transition to the next phases of recovery, key trends, projections and indicators for our area’s future have begun to emerge. Diverse Small Business Lending Activity Will Remain Robust for the Rest of 2020. This activity signals promise for South Florida.

Florida 52

Florida Community Miami Lending 52

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. Similar trends are seen in the U.K.,

US 100

US Community Bank Community Survey 100