South State Correspondent
JANUARY 20, 2020
We work on thousands of lending transactions every year with hundreds of community banks across the country. We witness the good, the bad, the ugly, and occasionally the very bizarre in bank marketing, under
South State Correspondent
SEPTEMBER 20, 2022
Last week, the American Banking Association (ABA) held its annual Bank Marketing Conference in Denver, receiving rave reviews. The theme was – developing your marketing superpowers. Amid the brewery networking, superhero costumes, and fun, some fantastic bank marketing lessons were had, and not just for bank marketers.
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South State Correspondent
JANUARY 16, 2024
With the development of the term SOFR market, BSBY offers no perceived advantages over SOFR, Fed Funds, or Prime. BSBY was not well received by US regulators from its inception, but the market eventually embraced SOFR over BSBY. Historically, community banks have hesitated to adopt derivatives for several reasons.
South State Correspondent
AUGUST 5, 2019
It sometimes pays to be opportunistic in marketing your community bank’s products. There is currently an exceptional market opportunity for community banks to win profitable business from larger competitors. Interest Rates Dip.
Independent Banker
JANUARY 31, 2022
ICBA has a growing network of people and resources community banks can tap into as they continue their innovation journeys. The ThinkTECH Accelerator is one of several initiatives underway this year to foster community bank-enabled fintech partnerships. By Charles Potts, ICBA.
South State Correspondent
JANUARY 30, 2024
A typical current strategy for community banks when originating commercial real estate loans is to offer floating-rate loans or shorter-term adjustable structures. Unfortunately, this strategy has all the underpinnings of a credit problem case study, and we do not have to search for a hypothetical example.
South State Correspondent
MARCH 30, 2023
While banks lose money on many CD-only customers, and CD-only customers have a relatively short average life, a niche customer, such as a church, is almost always profitable because the bank has much higher retention rates and the average niche customer uses an average of four bank products.
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