Independent Banker

FEBRUARY 28, 2023

As community banks navigate this process, there are plenty of resources available to answer questions and provide guidance. Three sources of information on FedNow As community banks look to take advantage of this new opportunity, they seek resources to help them navigate the journey.

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Independent Banker

JANUARY 31, 2022

Ken Finley, president of Johnson City Bank, in downtown Johnson City with Shannon Sultemeier, executive vice president (left); and Brenda Haynes, vice president/cashier (right). Here’s how four community banks are thriving in this environment. These include family-owned businesses, community businesses and operating companies.

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Independent Banker

MAY 31, 2022

Community banks have a choice about addressing the problem: Remain vulnerable or be vigilant. Fraud and cybercrimes continue to increase, causing challenges for community banks. But there’s plenty community banks can do to meet this challenge. Here are some ideas for strengthening fraud defenses.

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Independent Banker

JUNE 30, 2022

This could be as simple as ensuring there are meat-free options for vegetarians at every company event, or as involved as establishing culturally specific employee resource groups. So, how can community banks build truly inclusive cultures, where everyone feels like they belong? Misti Stanton, Mercantile Bank.

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South State Correspondent

MAY 28, 2024

This view is reflected by a sharp decrease in the average contractual loan commitment term at community banks and an increase in floating vs. fixed rate structures. However, community banks should carefully consider the prudence of a borrower’s decision based on the risks and rewards outlined below.

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South State Correspondent

OCTOBER 17, 2022

In a previous article ( HERE ), we discussed the concept of Funds Transfer Pricing (FTP), why systemically important banks and large regional banks incorporate FTP, and why community banks should also consider implementing FTP. bank about loan pricing. FTP Attribution – A Specific Loan Example.

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South State Correspondent

APRIL 9, 2024

We estimate that the average contractual loan commitment for term credit at community banks has decreased from just under five years in 2022 to just under three years currently. Community banks should carefully consider the prudence of such a strategy from both a risk and revenue perspective.

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Independent Banker

MARCH 31, 2022

Fortunately, community banks have greater access than ever before to advanced solutions and technologies to meet those needs. As small business operators and innovators themselves, community bankers have the gumption and vision to deliver the high-tech, high-touch services their customers want, and need, to succeed.

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PYMNTS

MARCH 26, 2020

To regain some of that ground, Connie Davis, senior vice president at FIS , told PYMNTS in a recent interview, FIs — particularly credit unions (CUs) and community banks — must transform the way they think about digital offerings and connected experiences. That means they can compete more effectively against digital-only competitors.

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Independent Banker

FEBRUARY 28, 2022

The ICBA Capital Summit is the premier event for community bankers looking to advocate for their industry. Community bankers, pack your bags for Washington, D.C. Community bankers, pack your bags for Washington, D.C. In person for the first time since 2019, the ICBA Capital Summit in Washington, D.C., Washington, D.C.,

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Independent Banker

MARCH 31, 2022

Executive committee members tell us what advocacy issues they’ll be focused on during their terms, while board members share their words of wisdom for up-and-coming community bankers: themselves. To sum it up, these leaders are all in and all heart for community banking. We are not Wall Street banks—we are community banks.

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Independent Banker

FEBRUARY 28, 2022

Tioga State Bank aims for a pragmatic approach to its swag. Promotional merchandise, or swag, has long been regarded as a no-brainer approach to business branding, but community banks are shedding those thrifty connotations with a new, mindful approach to company gifting that imparts value and purpose while bolstering bottom lines.

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Independent Banker

JULY 31, 2022

Fallout from recent global events presents an obstacle to generating revenue for community banks. It’s certainly an interesting time to be a community bank, but there are still plenty of ways to make efficiencies with an eye on profitability. ? If there were no risk, there would be no banks.”.

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South State Correspondent

OCTOBER 26, 2023

Our Top 10 Insights From Money 20/20 From these sessions and announcements, we pulled out ten of our most important takeaways, each having an impact on bank operations in the coming year. Money 20/20 cocktail parties started at noon, and events from sponsored race car driving to helicopter tours were common.

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Independent Banker

AUGUST 31, 2021

Government Accountability Office report concluded that a “very small” community bank could spend up to 2.4% of operating expenses on Bank Secrecy Act (BSA) work alone. This doesn’t seem to match up with what makes community banking different. icba.org/events.

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South State Correspondent

JUNE 13, 2022

One morning, President Trump tweeted his desire for an additional tax on all foreign-owned companies operating in the US. Instantly, the cash flow for those businesses that many community banks lent to is impacted. However, the risk of these two events is not exactly equal. Consider the risk above.

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Independent Banker

FEBRUARY 28, 2022

We asked several banking leaders how they’ve employed fintech to ramp up their marketing campaigns, hone their analytic strategies and gain new patrons in the process. The digital world has opened vastly broader avenues for community banks to attract new customers—especially if they partner with fintechs in their endeavors.

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South State Correspondent

JANUARY 4, 2023

That said, smart banks will make growth a byproduct and ensure they have all their other processes right. In addition, they may consider focusing on these five critical areas: Improve Operating Leverage. This combination means that banks will need to focus on the quality of their earnings. Why is this so important?

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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.

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Independent Banker

SEPTEMBER 30, 2021

In this feature, we’ll look at a number of ways you can continue to build trust—an especially crucial task as the pandemic continues, telecommuting persists and consumer banking practices evolve. But for most community banks, building a trustworthy brand isn’t a conscious effort. billion-asset community bank.

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William Mills

MAY 19, 2016

The meetings also support the mission of the CBA which is the preservation and development of local, independent community banks in Georgia as well as the philosophy of hometown banking. The CBA has approximately two hundred community banking members. Here are some key highlights from Scott’s presentation.

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William Mills

MAY 19, 2016

The meetings also support the mission of the CBA which is the preservation and development of local, independent community banks in Georgia as well as the philosophy of hometown banking. The CBA has approximately two hundred community banking members. Here are some key highlights from Scott’s presentation.

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Georgia Community Bank Community Meeting 41

Independent Banker

OCTOBER 1, 2022

But as the prevalence of security breaches grows, so do the opportunities for community banks to position themselves as guardians of their customers’ personal data through compliance, technology and relationship building. Shielding sensitive customer information from prying eyes remains a chronic industry challenge. Bob Hickok.

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Independent Banker

AUGUST 31, 2021

It’s our responsibility to help make our communities better places to live, to help pull people out of poverty and address issues they’re facing. And we build a long-lasting positive impact, because that’s what community banking is all about. Issue a press release with event photos to local media. My Top Three.

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Independent Banker

APRIL 30, 2022

During the pandemic, many community banks needed to change how they operated. It can clarify roles and responsibilities, encourage timely communication and help community banks operate more efficiently. Oregon Pacific Bank had to close lobbies and send half of its workforce home.

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Independent Banker

FEBRUARY 28, 2022

Community banks need to pay attention to what’s being said about them in those spaces. Northpointe Bank, based in Grand Rapids, Mich., billion-asset community bank also keeps an eye on more niche websites and platforms, where it knows potential customers may be. Where to look for reviews. But the $3.9

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Independent Banker

NOVEMBER 30, 2022

We spoke with legal and financial experts about what questions community bank leaders should ask themselves pre-merger, what issues they may face and how they can build an even stronger financial institution. Combining two banks into one is a complex undertaking. By Bridget McCrea. Preserving the value of the transaction.

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South State Correspondent

AUGUST 10, 2023

Real-time Processing & Speed: A good modern core will have an “event-driven” architecture allowing messages to be processed at any time, including in real-time. An “event” can be a payment, an internal balance adjustment, or a name change on an account. A typical community bank may pay $1.5M

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PYMNTS

APRIL 17, 2020

It’s clear that people rely heavily on their bankers and their banking relationships during crises; we’ve seen that before in prior events,” said Brown. A digital-first mentality will become critical for FIs, a strategic imperative that offers smaller banks a chance to shine. Digital-First.

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PYMNTS

JULY 3, 2020

As many teams within businesses big and small had continued to rely on paper and manual processes, AP operations were tasked with migrating to a work-from-home environment quickly. Accounts payable (AP) teams and other financial functions of the enterprise were some of the hardest hit by the disruption caused by the global pandemic.

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Independent Banker

JANUARY 31, 2022

It’s hard to put my finger on exactly what makes ICBA LIVE so special, but I believe it is in a shared sense of purpose that arises whenever community bankers convene. Our goal with ICBA LIVE is to provide a snapshot of the broad community banking landscape, and in such a shifting, dynamic environment, that is all the more important.

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Independent Banker

OCTOBER 1, 2022

An event at EMS in June brought together (L–R) Clear Mountain Bank president/CEO Dave Thomas, ICBA president Rebeca Romero Rainey, FHLBank Pittsburgh president/CEO Winthrop Watson, and Tim Critchfield, EMS owner/president. Clear Mountain Bank president and CEO Dave Thomas says a nimble mindset toward lending is critical for success.

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Independent Banker

OCTOBER 31, 2021

The CARES Act extended the CECL implementation deadline for many larger community banks until the end of the COVID-19 pandemic. Community bankers tell us that while the extension is welcome, they’re already down the road to implementation. ICBA tells FASB CECL isn’t feasible for community banks. By Stephanie Vozza.

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Celent Banking

MARCH 6, 2015

Next week I will be moderating a panel discussion at American Banker´s Retail Banking Conference in Austin about the competitive pressures of community institutions. It’s an important topic that Celent discussed in a report published last year: And Then There Were None: The Disappearance of Community Banks.

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South State Correspondent

JULY 12, 2023

While there are slight differences in operations, the only material difference is that The Clearing House supports transactions up to $1M, while FedNow currently goes to a $500k limit.

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South State Correspondent

MAY 1, 2024

With financial hardship, competition from dominant players, and a startup budget, Gentle Monster faced many of the same challenges as a community bank. How Banks Can Leverage: Niche markets abound in banking, and community banks are in the perfect position to create a following on a national level should they desire.

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Independent Banker

DECEMBER 31, 2022

The skills needed to succeed in the workplace are changing, with companies placing greater value on soft skills like communication and leadership. In response, community banks have an opportunity to revisit hiring policies and training programs. Being a community bank, our customers are our neighbors.

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