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.”

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South State Correspondent

MAY 18, 2022

In two recent articles, we reviewed the banking industry’s deposit behavior with regard to cost of funding earning assets (COF) ( HERE ), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle ( HERE ). A graph for SouthState Bank appears below.

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South State Correspondent

JUNE 9, 2022

Many community banks are searching for ways to increase fee income, and many bank CEOs have concluded that fee income is a significant driver of revenue and profitability. We argue that larger banks do not have an inherent advantage over community banks in generating fee income because of their scale.

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PYMNTS

APRIL 14, 2020

To provide regional and community banks with a full-scale solution to manage and grow their FX programs, FinTech firm Derivative Path, Inc. Our industry-leading rates platform now combined with Currencycloud’s capabilities will make our offering even more powerful for our regional and community banking clients.”.

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South State Correspondent

APRIL 10, 2023

Nonetheless, with the recent collapse of sizeable regional banks, regulators, investors, analysts, accountants, and bankers are now scrutinizing the fair value of banks’ securities and loan portfolios. This development should strongly motivate community banks to consider the benefits of loan-level hedging.

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Jeff For Banks

JULY 6, 2013

Why don''t we play a critical role in solving the nation''s retirement problem? Retirement Assets Should Be Pooled and Professionally Managed. But I think Harkins'' group is suggesting more centralized control in defining "professionally managed". How can your financial institution stand out in a crowded marketplace?

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Abrigo

JULY 15, 2015

One such pain point is the confusion behind identifying ways to effectively grow their business through the management of financial resources. 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.

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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.

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South State Correspondent

MAY 9, 2022

In our previous article ( HERE ), we reviewed the banking industry’s cost of funding earning assets (COF), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle. Community banks with larger percentages of DDA balances will fare better.

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Independent Banker

JUNE 30, 2022

Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. But as they always do, they came through for individuals and businesses in their communities with a combination of personalized service and prudent risk management practices. Iowa State Bank. By Ed Avis.

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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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South State Correspondent

APRIL 10, 2023

CRE Risk Background While ten years ago, community and regional banks use to make up some 55% of the CRE market, in 2023, these banks now compose approximately 72% (below). The risk here is that community banks continue to take on an above-average amount of CRE credit exposure.

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Independent Banker

JUNE 30, 2022

A new approach to loan protocols is just one way for community banks to grow in new and different directions. Amid changing economic conditions and rising rates, it’s a good time for community banks to re-evaluate their loan strategy with an eye on adaptability. David, Community Bank Consulting Services, Inc.

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Independent Banker

JULY 31, 2022

Observing the gap in pandemic relief in south Florida due to a lack of local community banks, a trio of banking veterans teamed up to form a digital-first community bank—and were granted a charter in record time to support local businesses. Name: Locality Bank. Keith Costello, Locality Bank. “We

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Independent Banker

SEPTEMBER 30, 2021

Changing customer banking habits means it’s more important than ever for community banks to use every tool at their disposal. Community banks may have longstanding relationships with their core vendors, but that doesn’t always mean they keep up to date on all the latest features and functionalities.

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Independent Banker

AUGUST 31, 2022

Daniel Galindo, pictured, and Doug Schaeffer of Woodforest National Bank helped involve the community bank in providing funding for and access to affordable housing. Name: Woodforest National Bank. Doug Schaeffer, Woodforest National Bank. Doug Schaeffer, Woodforest National Bank.

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Jeff For Banks

FEBRUARY 20, 2016

On February 14-17 the American Bankers Association held their National Conference for Community Bankers. I made my first trip to the conference because I was asked to moderate a CEO Exchange, where bank CEOs sat, round-table style, discussing their most pressing issues. The format was to first ask a couple of group questions.

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CFPB Monitor

SEPTEMBER 21, 2015

The CFPB announced the appointment of new members to its Consumer Advisory Board, Community Bank Advisory Council, and Credit Union Advisory Council. New members to the Consumer Advisory Board will serve three-year terms and new members to the Community Bank and Credit Union Advisory Councils will serve two-year terms.

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Independent Banker

OCTOBER 1, 2021

When reviewing their UBPRs, bankers sometimes struggle to find insightful conclusions—If the bank is outperforming peers, this fact receives a mention in the board report. However, if the bank is underperforming peers, the peer group itself is dismissed as irrelevant (“we’re a lot different than those banks anyway…”).

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Gonzobanker

APRIL 10, 2017

And, increasingly, mid-size and community banks are looking to take on the Big 5 banks in corporate banking, particularly in offering cash management services. Being successful at meeting these needs and competing with the national banks requires a big step-up in knowledge, technology and support.

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CFPB Monitor

AUGUST 22, 2016

The CFPB has announced the appointment of new members to its Consumer Advisory Board, Community Bank Advisory Council, Credit Union Advisory Council, and Academic Research Council. Lynn Drysdale, Managing Attorney, Consumer Law Unit, Jacksonville Area Legal Aid, Inc., Retail Bank, Citibank, New York, NY.

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American Banker

AUGUST 28, 2016

Roughly once a quarter senior executives at Community Bank in Brandon, Miss., take a select group of up-and-coming managers on a three-day retreat. The trips are part of a management training course known as the Falcon Program that took flight in 2012.

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Community Bank Training Mississippi Community 28

Gonzobanker

DECEMBER 14, 2023

Meanwhile, technology changes continued at a breakneck pace, with generative AI the biggest topic around management tables. Honorable Mentions – while this was a quiet year for M&A, we tip our hat to Atlantic Union’s acquisition of American National Bank and Eastern Bank’s acquisition of Cambridge Bank.

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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. By Katie Kuehner-Hebert. Data privacy and security is a hot topic and is only getting hotter. Bob Hickok.

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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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Gonzobanker

MAY 17, 2022

As technology buyers, banking executives need to up their game on tech purchases and technology performance management. For regional and community banks there has never been a more frustrating time to be a buyer versus a builder of financial technology. In 2021, the Standish Group reported that 83% of I.T.

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Jeff For Banks

AUGUST 3, 2020

Unlike 2008, banks were not the bane of our problems. Sure, community banks had little to do with liar loans or what was otherwise termed sub-prime. But many banks were, including the nation's largest. And "bank" is what's on our marquee. Community banks in particular. Call-answered.

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Community Bank Community Capital Analytics 88

Independent Banker

APRIL 28, 2016

At HNB National Bank, common-sense banking and remaining disciplined are very key to our success. A strong interest rate margin is almost always present in a high-performing bank. Our senior management team and our employees are like family. We treat the bank just like we own it, and it is ours.

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Independent Banker

JANUARY 31, 2023

Illustration by Maïté Franchi With educational sessions on hot‑button issues, inspirational speakers and beneficial networking opportunities, ICBA LIVE is the greatest community banking event in the country. Everyone leaves the event with new information in hand to put into action back at their bank.” New connections.

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Gonzobanker

DECEMBER 22, 2020

Banks and credit unions had to fundamentally change their delivery, support and relationship management models at scopes and speeds that were unheard of. And how did community banks and credit unions respond to the COVID craziness? Jill is continually demonstrating just how loud a $300 million community bank can roar!

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Jeff For Banks

JANUARY 11, 2014

We are increasingly bearing the burden of managing our money. Yet money management is a discipline done well by only a very few. My firm, full of banking industry consultants, just held an education session regarding our 401k plan. I think, as a nation, we will need lots of help managing our money. Probably not.

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Independent Banker

JANUARY 26, 2016

ICBA has planned an educational lineup of more than 60 workshops and networking sessions for next month’s Community Banking LIVE conference in New Orleans. Community banks can beat tech-based, nontraditional competitors at their own game. billion-asset community bank in Winter Haven, Fla., Digital Jujitsu.

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Independent Banker

FEBRUARY 24, 2016

“I know that unnecessary regulation saps the strength of community banks.” Federal banking regulators are always alert to emerging safety and soundness issues. So our examiners will be vigilant in evaluating credit risk, and banks of all sizes should be as well. Curry, U.S. Comptroller of the currency.

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Jeff For Banks

NOVEMBER 7, 2015

Me to a community banker: Why don't you offer more options than real estate secured lending to help fund early stage businesses? Banker: Because that's not community banking. I've been in this business over 20 years and still don't know the definition of community banking. I've got news for you.

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Gonzobanker

DECEMBER 19, 2022

Chopra seems to view all bank fees as “junk” and predatory. Acquisition of the Year: Big Bank Purchase. TD Bank Group Acquires First Horizon. TD has been a player that maintained its acquired market share so we are hoping this one doesn’t get messed up like other Canadian banks that have struggled in the Southwest.

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CFPB Monitor

AUGUST 20, 2020

CFPB Director Kathleen Kraninger concurrently issued a related blog post explaining that the Bureau seeks to play a leading role in the national conversation about racial inequality by taking action concerning fair treatment and equitable access to credit. On July 23, 2020, the FDIC released a podcast entitled “The Role of Minority Banks.”

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Independent Banker

APRIL 28, 2016

IB: You were recently reelected to serve a second term on the Federal Reserve Bank of Dallas board of directors. Rasmussen: Yes, it is an honor to serve the Group 3 Banks in Texas, southern New Mexico and northern Louisiana for three more years. Group 3 includes the smallest banks in the state with the majority in rural areas.

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Dallas Texas Houston Community 131