Community Bank Course Lending Regional 
South State Correspondent
NOVEMBER 29, 2023
One of the lessons that was driven home at the recent American Banker Small Business Banking Conference in Nashville was the difference in marketing between large national banks and community banks, particularly deposit marketing. Many banks fall into the “recency trap.” Bank engagement is a habit.
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. Many national and regional banks incorporate a minimum debt yield ratio as an underwriting criterion. debt yield ratio ($135k divided by $1.5mm).
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South State Correspondent
SEPTEMBER 20, 2023
Of course, all things are rarely equal. More importantly, the customer is more service-sensitive and has more engagement with the bank. National and regional banks control 70% of the cash management market, yet most cash management customers choose their bank because of service.
PYMNTS
JULY 25, 2017
For value, the Federal Reserve estimates that a college grad will make about $830,000 over the course of a lifetime; the Georgetown University Center for Education and the Workforce estimates the value at around a cool million. Lending-as-a-Service. There are currently 13,000 community banks in the U.S.,
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.
Jeff For Banks
NOVEMBER 19, 2014
The above chart is from a Federal Reserve Bank of San Francisco Economic Letter: Slow Business Start-ups and the Job Recovery published in July. But in strategic planning retreats that I moderate, community financial institutions insist that they lend to small businesses. Some took offense. Some took offense.
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. In 1965, the First National Bank of Hallstead merged with nearby Hop Bottom National Bank to form today’s Peoples National Bank.
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