Case Study Community Community Bank Operations 
South State Correspondent
JANUARY 16, 2024
Unfortunately, some banks adopted BSBY as one of their preferred indexes and in doing so created risk in derivatives and operations. With the demise of BSBY, those banks that used the index to hedge their interest rate risk will now be dealing with potential losses. No ISDA documents.
South State Correspondent
FEBRUARY 12, 2023
The average community bank’s cost of funding is highly correlated to Fed Funds and SOFR (for the industry, the correlation has been 94% with a six-month lag over the last 20 years). We want to highlight this option with a case study. Our bank showed the borrower a term sheet that had the options below.
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South State Correspondent
MARCH 30, 2023
In the quest for deposits, one successful tactic at top-performing banks is to target the right types of customers. While desiring to bank everyone in your community is noble, it can be a poor use of resources. Some customers offer better returns because they use more banking services and have more deposit balances.
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
OCTOBER 26, 2023
Our Top 10 Insights From Money 20/20 From these sessions and announcements, we pulled out ten of our most important takeaways, each having an impact on bank operations in the coming year. The topics were perfect, and there were some great case studies, but the substance was standard, bordering on underwhelming.
Independent Banker
AUGUST 25, 2016
More than ever, community banks are exploring new ideas and unconventional approaches to achieving greater profitability. This month Independent Banker focuses on information and trends, processes and strategies, and case studies. on profitability in community banking. on profitability in community banking.
PYMNTS
SEPTEMBER 13, 2016
In one recent case study tied to instant issuance, Entrust Datacard stated that Woodforest National Bank, a community bank operating across 17 U.S. The firm has said that, to date, it has instant issuance deployments at more than 30,000 locations globally, with more than 10.6 in the past year.
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