Abrigo

SEPTEMBER 16, 2019

Community bankers are largely positive about the future, based on the first results of a new index gauging business sentiment among the financial professionals who serve a critical role in local economies. How do you expect the regulatory burden on your bank to change over the next 12 months?

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Community Bank Community Policies Survey 150

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. Larger banks have historically operated on thinner NIM but higher fee income.

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Lending Community Bank Community Comparison 195

Abrigo

MAY 8, 2015

In recent months, the momentum around reducing the regulatory burden on the nation’s community banks has continued to gain steam. There are more than 6,000 banks and thrifts under $10 billion in assets and they are often less equipped to deal with complexities brought by additional regulations.

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Community Bank Community How To Meeting 150

Independent Banker

NOVEMBER 30, 2021

Community bankers’ awakening to new possibilities has made for an impactful year and will help position community banks to flourish in 2022 and beyond. This awakening to innovation among community banks continues to spread. Take, for example, Queensborough National Bank & Trust Co.

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Community Bank Community Innovation Video 134

South State Correspondent

SEPTEMBER 20, 2023

The value driver in cash management is that it is usually some sort of operating account at the bank. As such, operating accounts have low-interest rate sensitivity. Here, a tool like IBIS World comes in handy for setting bank strategy as you can look up any of the below industries to see their geographical dispersion.

Management 195

Management Survey Industry Community Bank 195

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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Community Community Bank Mobile Cards 247

South State Correspondent

MARCH 21, 2023

The need for a known, reliable brand creates an excellent opportunity for community banks to help small business customers while building deposit balances. Community banks can now white label this same product to onboard and process employee retention tax credits for the bank’s small business customers AND prospects.

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Taxes Community Bank Community Operations 195

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. Now is that period.

Community Bank 195

Community Bank Capital Training Lending 195

South State Correspondent

MARCH 6, 2023

Credits will deteriorate much faster if an economic downturn stresses net operating income (NOI). 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. debt yield ratio ($135k divided by $1.5mm).

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Community Bank Community Lending Regional 195

PYMNTS

OCTOBER 6, 2020

Dimon’s comments come at a time of aggressive growth and gains by numerous digitally native startups that have modernized and streamlined online banking and payments for the masses. Of course, the pandemic has forced banks – like all businesses – to rethink their priorities and make adjustments to how they interface with customers.

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Digital Banking ATM Mobile Atlanta 256

South State Correspondent

MARCH 16, 2022

One element that many commercial banks attempt to differentiate with borrowers is the prepayment provision (or sometimes the lack of one). Many community banks will market their fixed rate loans based on the simplicity of the prepayment provision, and this starts by understanding the value that each provision creates.

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How To Community Bank Community National 195

South State Correspondent

FEBRUARY 22, 2024

Banks consistently produce under their cost of capital. For example, at present, return on equity performance is about 12% for the average community bank. However, for the average bank, their cost of capital is between 9% and 14% depending on the bank’s equity liquidity with an average of 12.5%. Why is that?

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How To Strategy Capital Lending 195

South State Correspondent

DECEMBER 8, 2023

The need to reduce cost, the move to instant payments, and the need to deliver more unique products and services are all driving this effort at credit unions, community banks, and mid-sized banks. Increasing lifetime value was a common discussion with every bank. However, banks differed in how to get there.

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Conference Retail Community Bank Technology 195

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. The state is growing an impressive technology roster, for example.

Texas 182

Texas San Antonio Community Bank Community 182

Independent Banker

OCTOBER 1, 2021

Example: Net Interest Margin (NIM). For the purposes of the Q2 2021 UBPR, regulators placed a Texas-based community bank into a nationwide group of other banks with assets between $300 Million and $1 Billion (“PG5”). for the bank and an average value of 3.40 for its PG5 peer group. Asset size is too broad.

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Analysis Texas Groups Examples 91

Independent Banker

NOVEMBER 30, 2021

We asked both leaders and staffers to tell us what makes their community banks stand out as employers. Key Community Bank: Leading by example. Key Community Bank. At the heart of Key Community Bank’s work culture is connection. Greg Dennis, Key Community Bank. “We

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Community Bank Community Texas Leadership 164

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. A common example of a generative AI-driven tool that many in the financial services industry are familiar with is ChatGPT, which can produce coherent and diverse texts on various topics.

Examples 195

Examples Fraud Resources Risk Management 195

PYMNTS

SEPTEMBER 26, 2019

Advanced technology is raising the stakes of how CUs should operate, with members now demanding the instant payments and slick mobile interfaces that large banks and FinTechs have made standard,” the Tracker stated. Take the legal hemp and marijuana market, for example. Favorable Regulations. The SMB Loan Opportunity.

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Lending Community Bank Community Fintech 108

Abrigo

FEBRUARY 25, 2022

The traditional relationship lending approach for business loans – personal attention and local connections – offered by community banks and credit unions provides a competitive advantage in winning small business loans. It is the backbone of what many community financial institutions do, and they do it well.

Lending 195

Lending St. Louis Community Survey 195

Independent Banker

APRIL 30, 2022

Here’s how community bankers can take advantage of various sectors—including SBA lending—over the next 12 months. Community banks that have struggled to grow their commercial loan portfolios over the past two years are optimistic that there are brighter days ahead this year and next. First Business Bank in Madison, Wis.,

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Lending Community St. Louis Community Bank 158

South State Correspondent

JUNE 13, 2023

On our loan hedging desk, we work with hundreds of banks ranging in size from just over $100mm in assets to some national banks with over $1T in assets. We urge all banks to consider this concept when structuring a construction loan and provide some perm or semi-perm takeout facility.

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Marketing Examples Capital Management 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. Is the premise that doing "plain vanilla" banking acceptable? Valley National had an ROA in the fourth quarter of 1.08%. for example. I hear and read this often.

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Community Bank Community Apple National 71

PYMNTS

JUNE 11, 2018

In an example of just how expensive money laundering can be, consider the case where the Commonwealth Bank of Australia (CBA) agreed to a record fine of 700 million Australian dollars, the largest penalty ever in the country’s history and double the amount the CBA had estimated it would have to pay. Closer to home, in the U.S.,

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Regulation Community Bank Lending Industry 100

South State Correspondent

JULY 5, 2022

In a stagflation environment, as interest rates rise and cash flow (earnings before interest, taxes, depreciation, and amortization (EBITDA), or net operating income (NOI)) decreases, the borrower’s capacity to service debt as measured by the debt service coverage ratio (DSCR) decreases rapidly. in December 2021).

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Management Capital US Community Bank 195

PYMNTS

OCTOBER 1, 2018

For example, alternative finance in the U.K. seems to be kicking off, showing evidence of surpassing traditional bank lending at many times. small businesses, instead, first turn to national or community banks, credit unions or online lenders, the research showed in U.S. Meanwhile, in the U.S.,

Lending 115

Lending Survey Data National 115

Gonzobanker

MAY 4, 2020

Here are a few of the recent deals (in no order) that caught my attention: MVB Financial/Paladin: MVB, a mid-size bank with a stated focus on serving fintechs, acquired Paladin, a specialty fraud prevention company with a suite for merchants, credit agencies, fintechs and vendors. Moven Bank announced discontinued U.S. customer impact.

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Fintech FDIC Capital Community Bank 109

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.

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Minneapolis Community Bank Community San Antonio 70

Gonzobanker

FEBRUARY 8, 2022

Maybe instead of Acquire or Be Acquired, this conference should be called Evolve or Be Acquired,” observed Eric Sprink, CEO of Coastal Community Bank in Everett, Wash., and a trailblazer in the world of banking as a service (BaaS). The difference could be seen in what alpha bankers bragged about. ESG will broaden the scoreboard.

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Fintech Customer Experience Conference Technology 167

Abrigo

JULY 15, 2015

Whether using a national bank, regional bank, community bank or credit union, there are numerous cards that can help your client leverage their credit to create capital. Equity, in the first few years of operation, can be beneficial in establishing the base of your clients’ operations.

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Management Resources Capital Taxes 150

Independent Banker

FEBRUARY 24, 2016

Greg Steverson (left) successfully manages a $100 million institutional investment portfolio for Ledyard National Bank in Norwich, Vt. Mikella Newsom (middle) successfully manages a $325 million institutional investment portfolio for City Bank in Lubbock, Texas. Investment principles of top bank portfolio managers.

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Community Bank Community Texas Management 70

Jeff For Banks

DECEMBER 9, 2020

For example, institutions should designate a board member, a committee of the board (or an equivalent function), as well as a senior management function, as accountable for the organization's assessment and management of the financial risks from climate change. The top 10 banks already control over 50% of all US banking assets.

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Lending Regulation Community National 78

CFPB Monitor

OCTOBER 9, 2018

regulatory agencies—the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the U.S. The Statement elaborates on three, non-exhaustive examples of appropriate resources to share.

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Resources Compliance Community Bank Community 68

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.

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Compliance Regulation Community Bank Community 101

Independent Banker

AUGUST 25, 2016

When John Zimmer took over as president of HNB National Bank in Hannibal, Mo., The $396 million-asset community bank had merged with another bank four years earlier, doubling the size of its branches, staff and operations, and Zimmer was convinced some unnecessary or overlapping expenses still existed. “One

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National Community Bank Missouri Community 70

Abrigo

OCTOBER 23, 2015

Behringer, McGladrey’s national leader for credit risk services. Building a stress test that shows, for example, how a 10 percent drop in revenue could affect those borrowers would identify any need to restructure or work with some of those borrowers now, he said.

Capital 150

Capital Analysis Examples Risk Management 150

Independent Banker

SEPTEMBER 21, 2015

imberly Anderson, senior vice president and chief administrative officer of Cañon National Bank in southern Colorado, became her community bank’s loan compliance officer in 2003. In early 2004, examiners visited her $253 million-asset bank, an experience that revealed a need—someone with a stronger compliance background.

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Compliance Community Bank Community Training 70

Independent Banker

OCTOBER 29, 2014

And the great news, according to “American Millennials and Banking,” a major new study commissioned by ICBA, is that Bauhs and the 80 million other people in his generational cohort are prime potential customers for community banks. This is really the moment for community banks to show that they’re a fit for millennials.

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Millennials Community Bank social media Community 110