Community Bank Guidelines Marketing Security 
South State Correspondent
MAY 20, 2024
In last week’s article ( here ), we discussed why category and geographic diversification may be unfeasible for many community banks. We concluded that after a community bank sets limits on loan categories, the added benefit of geographic or loan category diversification is nullified.
Independent Banker
OCTOBER 1, 2022
Neil Zick, president and CEO of Twin City Bank, helped Tim Norris obtain financing to start The Link Cannabis Co. When Oklahoma legalized the sales of cannabis for medicinal purposes in 2018, executives of $550 million-asset Blue Sky Bank in Tulsa, Okla., decided to take a close look at that market. Chris Hartman, Cogent Bank.
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South State Correspondent
FEBRUARY 27, 2024
Community bankers need to practice realistic loan pricing discipline. However, we need to understand the meaning of pricing discipline and its effect on community bank performance. Many banks target profitable commercial clients. Only about 20% of community banks (banks under $10Bn in assets) are using such a model.
South State Correspondent
JANUARY 30, 2023
Rising funding costs and decreasing liquidity at community banks are causing managers to change pricing methodology for new credits. We estimate that 25% to 50% of community banks have a policy requiring minimum yield or credit spreads for new commercial loans.
Independent Banker
MAY 31, 2022
Josh Prejean (right) of Bank of Zachary, here with mortgage client David Rozas, says community banks must compete through customer service. We look at how community banks can counter nonbanks’ offerings through streamlined technology, customer service and other strategies. Source: Fannie Mae. million in 2023.
South State Correspondent
NOVEMBER 14, 2022
The market is now forecasting an additional 1.25% in hikes by early next year. There are a few basic guidelines that every good banker must consider. Lenders must recognize that banks are in the business of keeping loans and not making loans. The market is generally wrong but is wildly off during inflection points.
South State Correspondent
NOVEMBER 14, 2022
The market is now forecasting an additional 1.25% in hikes by early next year. There are a few basic guidelines that every good banker must consider. Lenders must recognize that banks are in the business of keeping loans and not making loans. The market is generally wrong but is wildly off during inflection points.
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