PYMNTS

DECEMBER 11, 2020

In this week's news, we saw two blockbuster IPOs, arguments and stalemates over a new stimulus bill, and new data on consumers' digital shopping trends. Synctera Brings 'FinTech As A Service' To Community Banks. FinTechs want to offer compliant banking services, while community banks want new ways to grow deposits.

Trends 175

Trends Fraud Millennials Community Bank 175

Banking Exchange

DECEMBER 21, 2020

FICO survey finds lack of confidence in short-term finances, but satisfaction with bank support is high Community Banking Consumer Compliance Customers Feature3 Financial Research Feature Financial Trends Fair Lending PPP Covid19.

Study 88

Study Community Bank Compliance Survey 88

Banking Exchange

MAY 11, 2020

The Paycheck Protection Program has provided loans to almost half of businesses in every state – and in some it has reached much more The Economy Feature Financial Trends Duties Lines of Business Compliance Fair Lending Feature3 Community Banking PPP Covid19.

Community Bank 78

Community Bank Compliance Lending Community 78

Abrigo

DECEMBER 2, 2021

But impulse buying – whether at home or in business – can result in waste, so think carefully about areas of your bank or credit union that could benefit next year from a small investment as 2021 draws to a close. Indeed, deposit levels to transaction accounts among community banks exploded 74% to $896.5 Consumer Lending.

Conference 195

Conference San Antonio Lending Fraud 195

Independent Banker

SEPTEMBER 25, 2014

This is particularly true for community banks preparing to undergo their next regulatory safety and soundness or compliance examination. Regulators and industry consultants agree that community banks are generally doing a great job handling their regulatory oversight and requirements. increased operational risks.

Compliance 101

Compliance Regulation Community Bank Community 101

Abrigo

NOVEMBER 18, 2016

In a survey of community banks and credit unions at the 2016 Sageworks Risk Management Summit, 42 percent of respondents said Commercial Real Estate, or CRE, lending was their primary focus for loan portfolio growth. This reflects a larger industry trend. For many, commercial real estate lending may be the ticket.

Community Bank 150

Community Bank Handbook Lending Risk Management 150

Banking Exchange

APRIL 5, 2020

While regional banks were embracing small business loans, the U.S.

Compliance 78

Compliance Community Bank Regional Lending 78

Abrigo

JUNE 5, 2023

the Community Bank Leverage Ratio (CBLR) and the minimum Tier 1 leverage ratio). This report requires (and therefore improves) communication between the credit and lending area of the bank or credit union and those responsible for liquidity management.

Report 195

Report Risk Management Capital Data 195

Abrigo

APRIL 7, 2022

Consolidation Trends. Community banks with small asset sizes might merge with other small institutions whose branches complement one another, and larger banks may acquire smaller ones whose services fit their offerings. Nationwide, the outlook on financial mergers and acquisitions is also trending higher.

Compliance 195

Compliance Policies Fraud Analysis 195

Abrigo

OCTOBER 23, 2014

CEIS Review , a New York-based bank consulting firm, highlights the shift in a recent article. Community banks certainly want to remain conservative with risks and follow regulations. But shareholders also expect profitability and growth, while keeping costs, especially those related to regulatory compliance, down.

Risk Management 186

Risk Management Management Lending Resources 186

Independent Banker

SEPTEMBER 25, 2014

A community bank’s practical guide to compliance cost control. When it comes to reducing compliance costs, recommendations typically fall into complicated territory. Complicated or not, one thing is certain: Community banks can’t afford to skimp on their compliance efforts. By Jim Kisch.

Community Bank 105

Community Bank Compliance Community Resources 105

Independent Banker

DECEMBER 28, 2015

The Office of the Comptroller of the Currency published its supervisory priority objectives for midsize and community banks for 2016. The document provides a general guidance of not only the supervisory priorities of the OCC but also a likely consensus of supervisory trends of other federal regulatory agencies. Cyberthreats.

Community Bank 70

Community Bank Compliance Community Lending 70

Independent Banker

FEBRUARY 24, 2016

Community banks cannot afford to ignore the staggering pace of lending adoption by both individuals and businesses using digital-only platforms from various nonbank technology-based specialty lending firms. Competing and beating FinTech’s digital-platform lenders. By Jonathan Rowe.

Community Bank 70

Community Bank Community Lending FDIC 70

PYMNTS

MARCH 16, 2016

“Credit unions and community banks do not pose any systemic risk, yet the CFPB continues to issue rules that disproportionately hurt those community financial institutions,” Stivers said in a statement. This letter was drafted by Reps. This letter was drafted by Reps.

Community Bank 100

Community Bank Community CA Regulation 100

NCR

DECEMBER 1, 2017

For smaller community banks and credit unions in the US, it might seem like a difficult time to do business, with so much change, intensifying competition and regulatory compliance to contend with. The Fed also highlighted competition from fintechs as a trend that could increase the pressure on smaller providers.

Community 56

Community Community Bank Michigan Lending 56

Independent Banker

FEBRUARY 24, 2016

Just about every community bank makes commercial real estate loans. A whopping 95 percent of ICBA members are active commercial real estate (CRE) lenders, according to the latest ICBA Community Bank Lending Survey. Responsible lending. Regulators warn once again about rising CRE concentrations and risks.

Community Bank 70

Community Bank Lending Community Regulation 70

Independent Banker

JULY 30, 2015

The Independent Bankers Association of New York State has been actively advocating for several initiatives to enhance community banking and the communities and customers our members serve. These increased burdens and costs have had an impact on the number of community banks. By John Witkowski.

Community Bank 70

Community Bank New York Community Taxes 70

Jeff For Banks

NOVEMBER 9, 2018

March 2017 - Failed the OCC's community lending test causing "significant harm to customers." February 2018 - Regulators limit WF growth due to "widespread consumer abuses and compliance breakdowns." And since then: They admitted altering business customer data to address anti-money laundering compliance. The stagecoach?

New Jersey 60

New Jersey Compliance Community Meeting 60

Independent Banker

JANUARY 28, 2016

As in past years, community bankers will have a dynamic regulatory environment to contend with in 2016. Safety and soundness concerns will remain a prominent driver of that supervisory dynamic for community banks. What should community banks anticipate here? The trends apply to commercial and retail lending.

Community Bank 70

Community Bank Community Regulation Lending 70

Gonzobanker

MAY 17, 2022

For regional and community banks there has never been a more frustrating time to be a buyer versus a builder of financial technology. Community banks, regional players, and credit unions are all in the fight of their lifetime with the need to transform their business. The industry lacks an efficient tech ecosystem.

Technology 143

Technology Regional Community Bank Community 143

Independent Banker

JULY 30, 2015

His role is to research, develop and provide members with superior products and services that meet the ever-changing needs of community banks and to help them to increase their competitive advantage. Having the best products and services will help community banks continue to effectively serve and compete in their communities.

Resources 70

Resources Tools Community Bank Community 70

FICO

NOVEMBER 29, 2018

This issue was discussed at the NAGGL 2019, National Association of Government Guaranteed Lenders, conference where hundreds of SBA lenders gathered to learn about policy changes, SBA online application submission solutions, how to create successful sales reps, and other trends in the industry impacting SBA lenders.

Community 67

Community Community Bank Policies Leadership 67

Gonzobanker

JANUARY 17, 2020

Wells Fargo analyst Mike Mayo got a great deal of attention this year when he claimed that the coming decade will be “the biggest tech transformation in the history of banking.” For execs who climbed the ladder in finance, lending or branches, buckle in because the techies are about to steal the show. The delay has been too long.

Customer Experience 127

Customer Experience Fintech Regional Cards 127

William Mills

JANUARY 25, 2018

Leading industry analysts, consultants, bankers and financial technology professionals also share commentary and their insights on trends for 2018. Compliance. Community Banks. Lending/Risk Technologies. The report includes industry research about what technology, solutions and services U.S. Channel Integration.

Report 40

Report Technology Innovation Atlanta 40

Gonzobanker

DECEMBER 17, 2021

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. GonzoBanker of the Year – Bank. Goes to Eric Sprink, Coastal Community Bank , Everett, Wash. THE INDUSTRY TREND AWARDS. 82% to over 2.3%

Fintech 147

Fintech Strategy Leadership Lending 147

Independent Banker

AUGUST 26, 2015

Legally and operationally, digital John Hancocks come of age in lending. Electronic signatures “absolutely” have helped PrivatePlus Mortgage expand its residential mortgage lending reach nationwide, says Lia Webster. Community banks and their customers don’t need to be concerned about the legality of digitally signed documents.

San Francisco 70

San Francisco Lending System Atlanta 70

American Banker

SEPTEMBER 20, 2016

Contrary to expectations about growing mortgage lending volumes, current industry trends suggest a gradual reduction in capacity for both lending and servicing that should alarm policymakers.

Lending 28

Lending Trends Industry Community Bank 28

Independent Banker

MARCH 15, 2015

That dynamic provides a unique opportunity for individual community bankers to tell their stories to their federal lawmakers, which has always been a vital part of getting ICBA’s pro-community banking legislative agenda enacted. As an example, “If X goes into effect, it would decrease my mortgage lending by X percent.”.

Community 70

Community Washington Community Bank Meeting 70

Independent Banker

MAY 25, 2016

Worse yet, the idea of making a gut-feel decision and taking a risk seems to have disappeared with the culture of compliance that surrounds us. Identify the biggest threats to your community bank five years out. Then respond to the trends, opportunities and challenges that will define your bank’s future.

Innovation 70

Innovation Community Bank Resources Study 70

Abrigo

MAY 8, 2024

They can more easily consider how to harness genAI's power to enhance their operations, compliance, risk management, and member or customer experience. Another example of using predictive AI is small business lending software that incorporates AI-driven lending intelligence.

Examples 221

Examples Fraud Resources Risk Management 221

Abrigo

SEPTEMBER 14, 2022

Financial institutions, fintech companies, and other small business lenders will need to begin collecting a wide array of small business lending data under the Consumer Financial Protection Board’s (CFPB) proposed small business lending data collection rule. The proposed rule , unveiled Sept. Controversial Provisions.

Lending 195

Lending Data Regulation Community 195

Independent Banker

OCTOBER 31, 2022

AI can help solve customer pain points—but does it mean community banks will lose the personal touch they pride themselves on? As community bankers themselves tell us, the answer is no. The estimated amount of money banks will save by using AI applications by 2023. billion-asset Sunwest Bank in Sandy, Utah.

Community Bank 91

Community Bank Community Customer Experience Data 91

William Mills

MAY 11, 2016

11:37 am William Mills, CEO of William Mills Agency, and Stephen Ramirez, CEO of Beyond the Arc, discuss major trends presented at this year’s Finovate and highlight key companies such as Malauzai Software, PayActiv and many more! This is an extension of business services, powered by a local community bank. I like that.

Video 40

Video Mobile social media Analytics 40

PYMNTS

AUGUST 19, 2019

Sanborn tells Webster that, at least from where he and Lending Club sit, expanding origination services, honing cost efficiencies and introducing a broadened palette of credit offerings will help the company weather any near-term macroeconomic headwinds. This made our assets attractive.”.

Lending 123

Lending Capital United States National 123

Gonzobanker

MAY 21, 2019

The following memo outlines my assessment and recommendations concerning our purchase of Acme Bank, a $5 billion institution located in Metropolis, USA. Acme has doubled its size in the past five years with acquisitions of smaller community banks. Principle 3: Embrace External Trends.

Customer Experience 112

Customer Experience Analytics Management Operations 112

Gonzobanker

DECEMBER 22, 2015

It’s been almost 20 years since the IPO but this team keeps delivering growth and outstanding financial performance while keeping the values of the hometown bank that started it all. To those community bankers claiming their growing Compliance departments say no to everything. Community bank marketing resources.

Community Bank 60

Community Bank Apple Community Technology 60

Gonzobanker

DECEMBER 19, 2016

The 2016 Gonzo Marketing Medal – Goes to Elevations Credit Union for its “Egg Lending” campaign. The Millenials as Funding Award – Goes to Dime Community Bank for attracting press attention when it appealed to hipsters in Brooklyn as a means of funding its powerful commercial real estate niche. Check it out on YouTube.

Utah 60

Utah System Community Marketing 60