Abrigo

AUGUST 28, 2022

Leveraging the efficiencies gained from lending software Banks and credit unions that leverage an integrated lending and credit platform reap the benefits of a consistent, efficient and defensible lending program. Lending and Credit Software. Ag Lending. Lending & Credit Risk. Learn More.

Software 195

Software Lending Philadelphia Capital 195

South State Correspondent

DECEMBER 11, 2022

The yield curve shape is an excellent opportunity for community bankers to provide sound risk mitigation and balance sheet management advice to borrowers. We see many community bank borrowers desperately seeking a trusted advisor to help guide them through this volatile cycle. The Shape of the Yield Curve. Conclusion.

How To 195

How To Community Community Bank Examples 195

South State Correspondent

MARCH 6, 2023

We argued that community banks should favor 1.40X to 1.50X DSCR credits, as that is the minimum cash flow required to withstand a standard recession. This article will analyze how a debt yield ratio can help community banks correctly measure the interplay between cap rates, interest rates, and cash flow.

Community Bank 195

Community Bank Community Lending Regional 195

Jeff For Banks

APRIL 4, 2024

The Fed has paused for nearly a year now, and it was our experience in 2006-07 that bank cost of funds continued to increase as the market closed the delta between what someone could earn in a money market mutual fund and a bank account. But not until $1 trillion went from banking to money markets.

Banking Trends 115

Banking Trends Trends Millennials Oregon 115

Independent Banker

JANUARY 31, 2022

Southern Bancorp partners with other community banks to increase loan accessibility and financial literacy to low-income customers. As CEO of Southern Bancorp, Darrin Williams wants to promote relationships between community banks and CDFIs to create more prosperous communities. Better serving its communities.

Community Bank 172

Community Bank Community Leadership Arkansas 172

South State Correspondent

APRIL 30, 2022

Based on the futures market, the Federal Reserve is expected to raise the Fed Funds rate to 3.00% at its December 2022 meeting. In this article, we analyze the industry’s cost of funding earning assets (COF) and track how community banks’ COF behaves relative to larger banks. Historical Cost of Funds Analysis.

Community Bank 195

Community Bank Strategy Community FDIC 195

Independent Banker

JUNE 30, 2022

The Peoples Bank helped the Jones family of Legacy Dairy in Hiseville, Ky., From left, Ally Jones; bank chairman, president and CEO Terry L. Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. Ag lending in the South: Relationships matter. By Ed Avis.

Community Bank 172

Community Bank Community National Philadelphia 172

Independent Banker

JUNE 30, 2021

As they bantered back and forth, I was struck by how much the conversation reflected the nature of community banking. Relationships drive all that we do, so community bankers are in it for the long haul, sitting with our customers as they write each page of their stories. We have been and will continue to be here for you.

Community Bank 91

Community Bank Community Customer Experience Course 91

South State Correspondent

SEPTEMBER 20, 2023

For starters, a customer may carry large balances but not generate franchise value if those balances are all in high-paying money market accounts or are highly volatile. The value driver in cash management is that it is usually some sort of operating account at the bank. Of course, all things are rarely equal.

Management 195

Management Survey Industry Community Bank 195

South State Correspondent

APRIL 23, 2023

In the case of SVB, the bank’s HTM securities portfolio was $91.3Bn at the end of 2022, and the bank did not need to provide the fair value of these securities on its balance sheet. Further, based on the bank’s own filing, SVB did not deploy hedging instruments to manage its securities duration risk.

Management 195

Management Security Risk Management social media 195

Abrigo

JUNE 8, 2017

To provide bank management valuable information about ongoing and emerging market trends and developing areas of regulatory focus In order for a loan review program to be successful there are two foundational checkpoints for every financial institution: Objectivity of the loan review process, and an evolving lending policy.

Risk Management 150

Risk Management Management Policies Lending 150

Independent Banker

JANUARY 31, 2022

In this challenging labor market, how do you make sure you retain new talent? Thanks to high levels of engagement, community banks are well known for having long-standing employees. But, in this challenging labor market, how do you make sure you retain new talent? By Lindsay LaNore, ICBA. Consider nontraditional benefits.

Lending 91

Lending Community Millennials Training 91

Abrigo

MAY 5, 2022

Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S. or largely focused on the domestic banking market. So here’s your head start on finding some banking podcasts that might work for you. Banking Resources.

Community 195

Community Lending Maine Resources 195

PYMNTS

APRIL 24, 2019

In addition, Ally Bank and Barclays have high-yield offerings that earn 2.2 Of course, those more than beat the national average on checking accounts, which is currently at a 0.08 percent interest rate, while money market accounts return an average 0.21 It now manages $13.5

FDIC 108

FDIC New York Community Bank Course 108

Independent Banker

MAY 31, 2022

Ted Whitehurst, Providence Bank president and CEO, led the charge to open a new brick-and-mortar location of the Raleigh, N.C., community bank during the pandemic. Providence Bank chose to open a new brick-and-mortar site during the pandemic, when many other businesses were ceasing operations or shutting down altogether.

Raleigh 91

Raleigh Community Community Bank Lending 91

Independent Banker

FEBRUARY 24, 2016

As in past years, community bankers will continue to contend with a dynamic, highly competitive lending environment in 2016. Several trends have arisen that are likely to continue shaping the commercial lending market. Here are five commercial lending trends from some of the industry’s top commercial lenders.

Trends 79

Trends Community Bank Lending Community 79

South State Correspondent

JULY 25, 2022

We have poured through the recent 2Q earnings releases, spoken with a rash of institutional bank investors, traded thoughts with analysts, and compiled the following list of concerns that bank stakeholders (employees, shareholders, vendors, and regulators) now have. The Single Change in Messaging To Improve Your Bank Multiple.

Trends 195

Trends Lending Marketing Capital 195

American Banker

JUNE 3, 2016

Auto Loans in the Spotlight: All of those TV and radio advertisements from car dealerships could be coming back to bite the banks making loans for new cars. Speaking about the overheated market for auto lending, Jamie Dimon, CEO of JPMorgan Chase, said "someone is going to get hurt." Not JPMorgan, of course. "It

Lending 28

Lending Community Bank Course Community 28

Independent Banker

JULY 29, 2016

These in-depth and timely professional development programs are designed exclusively for community bankers and led by nationally recognized industry experts who know the issues community banks grapple with. Each certification course is designed to prepare bank professionals to handle essential tasks and responsibilities.

Minneapolis 70

Minneapolis Community Bank Community San Antonio 70

South State Correspondent

MAY 9, 2023

Last week ( HERE ), we looked at how deposit account tiering is used, some of the objectives that banks might employ, and the effectiveness of tiering in total. As discussed last week, many banks tier without objective, without data, and without supportive marketing, thus rendering the methodology worthless and possibly hurtful.

Data 195

Data Training National System 195

Jeff For Banks

JANUARY 27, 2011

I was at a strategic planning retreat a few weeks back where a colleague lauded the concept of bankers getting back to plain vanilla community banking. But if you read or watch interviews of CEOs of community FIs from 2008 forward, you will be bombarded with the message that they didn''t engage in the things that led to the collapse.

Community Bank 71

Community Bank Community Apple National 71

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

OCTOBER 14, 2014

Robust online mortgage websites embrace today’s lending challenges as well as consumer needs. When Community Bank of Bergen County unveiled its online mortgage hub this summer, the bank put “ease of use” at the top of its goals for the site, says President and CEO Peter Michelotti. “I By Elizabeth Judd.

Community Bank 70

Community Bank Lending Community Oklahoma City 70

Jeff For Banks

APRIL 4, 2010

Community banks tout themselves as better than national and regional banks because of how close they are to their communities. Prior to the bank’s founding, townspeople and businesses turned to the north, Binghamton, for their banking needs. After six months in business, the bank posted profits of $750*.

Community Bank 60

Community Bank Pennsylvania National Community 60

Independent Banker

DECEMBER 29, 2015

Nearly one year after the Basel III capital rules went into effect, community bankers say that now recognize just how much more complex and how much more difficult this new set of capital rules will make life and business for them if they remain in place. ICBA supports strong minimum capital levels for all banks, including community banks.

Community Bank 70

Community Bank Community Capital Lending 70

Gonzobanker

OCTOBER 12, 2018

In fact, according to recent research , it is the single hottest application being implemented or replaced right now in banking. The vendor market for digital account opening has seen a number of new providers enter the market to challenge the legacy account opening solutions, both core provided and independent third-party providers.

Technology 150

Technology Mobile Marketing Community Bank 150

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

Jeff For Banks

JUNE 1, 2019

Courtesy of their Sovereign Bank bailout, ummm… acquisition. I've heard opinions on whether a community bank should buy checking accounts. Sure, the big banks seem to be on the bandwagon. Jeff For Banks readers likely get these offers. One bank controller opens accounts for all offers and gladly takes the cash.

Community Bank 60

Community Bank Boston Community Analysis 60

Independent Banker

SEPTEMBER 21, 2015

Over the next three years, Anderson enrolled in all three of Community Banker University’s in-depth compliance certification training programs. I also benefit from the respect I get from our board and CEO, and definitely from the bank examiners. I’m a better compliance officer because of those programs,” she says. “I

Compliance 70

Compliance Community Bank Community Training 70

Gonzobanker

JUNE 26, 2019

The bank not only found opportunities to eliminate the need for manual data entry, but it also estimated that 25 CRM users are saving about an hour per week just by making data easier to find. Of course, developing an existing pipeline is only half of the growth equation. Digital & Marketing. Reaching the Promise Land.

Idaho 140

Idaho Michigan System Lending 140

Independent Banker

FEBRUARY 24, 2016

Investment principles of top bank portfolio managers. Community bank institutional investment portfolio managers have been put through their paces the past several years. It could arguably be deemed a feat of investing prowess and market prescience to not only manage well in this market, but thrive in it.

Community Bank 70

Community Bank Community Texas Management 70

Independent Banker

NOVEMBER 24, 2014

“Once he gets his mind set, a plan forms and then becomes a very calculated reality,” offers Tara Salinas, the bank’s marketing and business development officer. When Gowen first arrived at Merchants & Planters in 1983 to serve as its president and senior lending officer, the bank had two branches and $47 million in assets.

St. Louis 105

St. Louis Community Bank Community Leadership 105

Independent Banker

MAY 2, 2016

Philosophically, we pay a little more interest on deposit products than other banks in our area, allowing word of mouth to be our primary means for advertising. Instead of paying big expenses in marketing, we simply pay our clients more interest and ask that they consider speaking to others about banking with us.

Lending 70

Lending Community US Operations 70

Independent Banker

JANUARY 26, 2016

Of course, community banks are the primary economic engines behind small businesses on Main Street America, funding more than 60 percent of all small-business lending. This is a mindset shift for communities. Entrepreneurs are the ones who will transform the community.”. Some just need introductions.

Miami 70

Miami Community Bank Community Resources 70

Independent Banker

OCTOBER 29, 2014

Big-brand megabanks, the Visa and MasterCard networks, and big-box merchants had signed up to become partners with Apple’s universal retail smartphone app that uses Near Field Communication and tokenization technologies. So where do ballyhooed mobile banking and payments developments among the biggest players leave community banks?

Mobile 105

Mobile Community Bank Community Technology 105

South State Correspondent

APRIL 6, 2022

If your bank doesn’t have a relationship pricing model or at least a loan pricing model that handles cost and risk – you should. Making loans is central to your bank’s operations, and lending has a compounding effect on profitability. On average, banks have increased their allocated capital from 10% to 11%.

Capital 195

Capital Training Management Atlanta 195

Independent Banker

MARCH 15, 2015

Thoughtful lending and an open mind keep profits strong for incoming ICBA chairman Jack Hartings. The Peoples Bank Co. While out-of-town lenders gave money to customers requiring no down payments to buy overpriced homes that they couldn’t afford, Hartings, the president and CEO of The Peoples Bank Co. By Kelly Pike.

Ohio 70

Ohio Community Bank Community Lending 70