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Case Study: How To Win More Loan Business

South State Correspondent

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

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10 Big Bank Marketing Lessons from the ABA Bank Marketing Conference

South State Correspondent

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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Risk of Derivatives – The Fall of an Index

South State Correspondent

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.

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How a Loan Hedge Leverages The Yield Curve – Part II

South State Correspondent

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.

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The Problem with Floating and Adjustable Rate Loans

South State Correspondent

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.

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NYC commercial property crisis signals hazards for local banks

American Banker

Before the pandemic emptied the city, few lenders benefited from the heady local real estate market as much as regional players New York Community Bancorp and Signature Bank. Now they're becoming a case study for potential trouble from a sudden downturn in the Big Apple's property sector.

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Brand Differentiation – How One Bank Is Producing 132% Profit Growth

South State Correspondent

If your bank struggles to create a clear value proposition and brand differentiation, then we have a case study for you. In 2021, Nubank spent around 4% of revenue, according to their financials, in marketing which is materially below the 7% target for most banks. and became the most valuable bank in Latin America.

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