South State Correspondent
AUGUST 21, 2022
Last week we wrote about loan-level vs. balance sheet hedging for community banks and provided our loan proposal generator ( HERE ). We compared and contrasted the two strategies and sized the market for community banks. A community bank may transact one or only a few balance sheet hedges over many years.
Gonzobanker
MAY 31, 2019
Financial institutions that want to play in the small business lending sandbox need to bring their digital toys. article , former Small Business Administration administrator Karen Mills said community banks with strong small business customer bases that don’t find new ways to serve them digitally are going to face a “reckoning.”
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
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?
Abrigo
JUNE 16, 2016
The new guidance aligns the accounting with the economics of lending by requiring banks and other lending institutions to immediately record the full amount of credit losses that are expected in their loan portfolios, providing investors with better information about those losses on a more timely basis,” FASB Chair Russell G.
Jeff For Banks
DECEMBER 28, 2023
I work for The Kafafian Group, a community bank consulting firm based in Bethlehem, Pennsylvania. Many of my readers might not know what my firm does, so I want to dedicate this post to the problems we help community bankers solve. We offer an online portal where clients can view their reports down to the general ledger level.
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. ? Rethinking branches isn’t a one-size-fits-all exercise.
The Emmerich Group
MAY 29, 2024
They’re doing everything they learned at conferences and lending school. They don’t feel that what they offer is different or worth more than the bank down the street, so they typically ask for 20 or 25 basis points more tops. It’s not their fault. It’s just that it’s outdated and inefficient.
Expert insights. Personalized for you.
195 
Let's personalize your content