Finer Points

AUGUST 18, 2015

The tax-exempt credit union industry apparently skipped this civics lesson because it obviously doesn’t believe it should have to listen to Congress. The National Credit Union Administration has proposed dramatically revising business-lending rules for these tax-subsidized institutions. Current […].

United States 100

United States Taxes Lending National 100

Abrigo

JULY 15, 2015

The transition from compliance to consulting makes sense: tax season is just that, a “season,” and nearly 60 percent of respondents to a Sageworks survey indicated they saw an increase in total revenue by adding financial services to their accounting practice.

Management 150

Management Resources Capital Taxes 150

Independent Banker

OCTOBER 24, 2016

The National Credit Union Administration’s irresponsible power play earlier this year to ignore the explicit member business lending limits Congress has set for credit unions could not be ignored. ICBA has long and repeatedly criticized the NCUA for abandoning its duty to act as a responsible regulator overseeing a highly subsidized industry.

Community Bank 70

Community Bank Community Lending Regulation 70

Independent Banker

FEBRUARY 25, 2015

Coping just fine, community banks in energy-producing regions manage the oil-price plunge. Yet community bankers serving the oil industry say they’ve been expecting a drop in the notoriously cyclical price of crude. Pat Hickman, chairman and CEO of Happy State Bank, a $2.6 By Howard Schneider.

North Dakota 70

North Dakota Texas Louisiana Community Bank 70

Independent Banker

MARCH 15, 2015

It was a prescient move for Hartings and the $450 million-asset community bank, which comfortably weathered the downturn even though residential mortgages are its biggest business line—but not everyone appreciated Hartings’ common-sense approach at the time. Large Community Bank Council, member. Other industry service.

Ohio 70

Ohio Community Bank Community Lending 70

Gonzobanker

DECEMBER 17, 2021

Bank Merger of the Year. Some interesting finalists would be: M&T and People’s United Old National and First Midwest Webster and Sterling Columbia Bank and Umpqua. Huntington and TCF merge to create the $170 billion Midwest dynamo and vault them into one of the top 10 banks in the country. The Bank That Gets Fintech.

Fintech 147

Fintech Strategy Leadership Lending 147

Independent Banker

AUGUST 27, 2015

Community National Bank & Trust of Texas. We have a very successful junior college, school district and hospital—the typical things that you would expect to see in a community. So when that happened in our market, it really created a void for a community bank to offer these kinds of services.

Community 70

Community Community Bank Texas US 70

Gonzobanker

DECEMBER 19, 2017

THE BANKING AWARDS. Rainbolt has quietly built a community bank in the past 20 years that is closing in on $2 billion of market cap. GonzoBanker of the Year – Large Banks. Credit Union Merger of the Year – Goes to Lake Michigan Credit Union and its CEO Sandy Jelinski for acquiring Florida-based community bank Encore.

Conference 101

Conference Industry Community Bank Community 101

Jeff For Banks

MARCH 27, 2015

The Credit Union National Association (CUNA), the credit union equivalent to the American Bankers'' Association (ABA), states that credit unions exist to serve members, returning earnings to members in the form of lower loan rates, higher interest on deposits, and lower fees. And the taxes. Clearly this remains an emotional issue.

Analysis 60

Analysis Strategy Groups Community 60

Independent Banker

SEPTEMBER 22, 2015

Both of these laws pointedly changed the National Flood Insurance Program requirements over which of the banking agencies have jurisdiction. There is an exception that will be key for many community banks to understand. Biggert-Waters) the bank was not required under federal or state law to escrow taxes or insurance.

Regulation 70

Regulation Policies Community Bank Taxes 70

Independent Banker

AUGUST 26, 2015

She’s chief operating officer and vice president of the mortgage company, a division of Private Bank of Buckhead, in Atlanta. The bank’s mortgage company has developed a national retail lending presence over the last 18 months using phones and email, rather than branch offices. “We Legal aspects. Fewer errors.

San Francisco 70

San Francisco Lending System Atlanta 70

South State Correspondent

MAY 1, 2024

For inspiration in banking innovation, we often look to other industries. With financial hardship, competition from dominant players, and a startup budget, Gentle Monster faced many of the same challenges as a community bank. COI marketing for banks should always be a top priority. A modern core system?

Innovation 195

Innovation social media Branding Marketing 195

South State Correspondent

MARCH 15, 2023

The ratio would provide a bank’s current core capital position to risk-adjusted assets. Some form of this ratio will likely be applied to the national and regional banks, which means larger community banks will also be judged by this ratio. 9) Brand Matters: SVB had one of the best brands in banking.

social media 195

social media FDIC Branding Management 195

Independent Banker

JULY 29, 2016

Around the Table—Wisconsin community bankers work with legislative staff members on Capitol Hill during ICBA’s Washington Policy Summit. Keeping community banking interests front and center. 812) and the Community Bank Access to Capital Act (H.R. By Courtney Schoenborn. Support those who support us.

Community Bank 70

Community Bank Community Washington FDIC 70

South State Correspondent

MAY 31, 2023

The concept that we allow the customer to choose how they want to bank often enables the bank to be passive in its position and give up agency. In this article, we look at cell phone tracking data for about 1,000 branches across the industry to derive insights to help banks increase branch engagement and boost branch profitability.

Data 195

Data Branch Strategies Strategy Mobile 195

South State Correspondent

JULY 25, 2022

Be prepared to discuss commercial and industrial (C&I) loan trends and C&I utilization trends. Loan Pricing: Loan pricing has increased in the capital markets, yet bank loan pricing has continued to compress. There is also a general concern that pricing is too tight in some sectors, such as multifamily and industrial.

Trends 195

Trends Lending Marketing Capital 195

Jeff For Banks

DECEMBER 12, 2017

For the past six years I searched for the Top 5 financial institutions in five-year total return to shareholders because I am weary of the persistent "get big or get out" mentality of many bankers and industry pundits. Nasdaq: OSBC) Old Second is a single-bank holding company headquartered in Aurora, Illinois. How did they lose it?

Minnesota 60

Minnesota West Virginia Virginia Iowa 60

Independent Banker

JULY 8, 2015

Supreme Court closed out its latest session with a string of landmark decisions, none was more important to the financial services industry than its ruling upholding the disparate-impact theory of anti-discrimination law. The case in question— Texas Department of Housing and Community Affairs v. By Lilly Thomas. While the U.S.

Washington 70

Washington Policies Community Community Bank 70

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. Thus, the framework at most banks has these two risks as equal. Consider the risk above.

Risk Management 195

Risk Management Examples social media Management 195

Gonzobanker

DECEMBER 20, 2018

GonzoBanker of the Year – Large Banks. Although all banks faced stock headwinds in 2018, we give the nod to William Demchak at PNC Financial Services. PNC made a Gonzo move with a national digital expansion in 2018 with the unique idea of building a small number of branches in target metro markets like Kansas City and Dallas.

Fintech 105

Fintech Conference Innovation Community 105

Fintech Labs Insights

JULY 22, 2015

Avalara will detail the Weird and Wacky World of Sales Tax. Did you know that sales-tax in the U.S. There are over 12,000 taxing jurisdictions covering millions of taxability rule combinations. Why it’s a must-see: This solution was widely reviewed and given accolades by industry watchers, media and academics in Japan.

San Francisco 12

San Francisco Video Fintech Data 12

Jeff For Banks

APRIL 22, 2018

Hundreds of points in price changes in the Dow Jones Industrial Average got headlines every day. Housing, construction, and the auto industry are projected to do well in 2018, as long as rates do not rise too much or too rapidly. Dorothy has been with Penn Community Bank and its predecessor since November, 2004.

Marketing 60

Marketing Philadelphia social media Taxes 60

Jeff For Banks

NOVEMBER 16, 2020

The markets believe the chance of tax hikes, repeals of tax cuts, and gigantic initiatives are greatly diminished. Moody’s estimates that there is $70 billion in back rent across the nation. By the way, our economy has done better than all other nations; for example, Europe is 4.3% in the second quarter and -5.0%

Marketing 78

Marketing National New York City Taxes 78

Independent Banker

FEBRUARY 16, 2015

Sherrod Brown (D-Ohio), two lawmakers tapped to lead the Senate Banking Committee for their respective parties, are both independent-minded senators who hold positive views on several priority community banking issues. This year he is taking the chairman’s seat on the Senate Banking Committee. Richard Shelby (R-Ala.)

Community Bank 70

Community Bank Alabama Ohio Community 70