South State Correspondent

APRIL 18, 2022

Historically, community banks have relied on net interest margin (NIM) instead of fee income to drive return on equity (ROE). In contrast, larger banks have emphasized non-interest income rather than NIM to boost ROE and revenue. Industry Comparison of Fee Income. Why Fee Income Is Important. Conclusion.

Lending 195

Lending Community Bank Community Comparison 195

South State Correspondent

APRIL 24, 2022

Banks have ceased using LIBOR to price assets and liabilities after 2021. However, some community banks are still deciding on the correct term lending index to adopt. Many banks are uncertain that they have chosen the best term index for their products and markets. Considerations For Choosing A Term Lending Index.

Lending 195

Lending Community Bank Community Marketing 195

South State Correspondent

SEPTEMBER 18, 2023

This development is very important to community banks, as their efficiency ratio also increased, but to 61.63%. The national banks have already indicated how they plan to reverse the efficiency ratio increase – through headcount reduction. What is Driving the Efficiency Ratio at Community Banks?

Management 195

Management How To Community Bank Community 195

South State Correspondent

MAY 23, 2022

Customers and competitors are challenging community banks to extend loan duration – borrowers are eager to lock fixed rates before they rise further, and many competitors are happy to oblige. But what are the optimal fixed terms for community banks given today’s interest rate, credit, and liquidity environment?

Lending 195

Lending Community Bank Community Capital 195

South State Correspondent

JUNE 9, 2022

Many community banks are searching for ways to increase fee income, and many bank CEOs have concluded that fee income is a significant driver of revenue and profitability. We argue that larger banks do not have an inherent advantage over community banks in generating fee income because of their scale.

Community Bank 195

Community Bank Community Comparison Fintech 195

South State Correspondent

MAY 9, 2023

This is critical to understand, as many bankers turn to rate and/or tiering off rate before even considering if the bank has the right product and the right product attributes. A bank can modify its tiers all it wants, but that effort pales in comparison to making sure you are driving the right product mix or having competitive products.

Data 195

Data Training National System 195

South State Correspondent

JUNE 13, 2022

Banks that take too much risk fail, and banks that take too little risk produce returns below their cost of capital and either get acquired or driven out of business. This characteristic is why when you look at a graph of long-term bank performance, more banks underperform than overperform. The Comparison of Risk.

Risk Management 195

Risk Management Examples social media Management 195