South State Correspondent

APRIL 9, 2024

We estimate that the average contractual loan commitment for term credit at community banks has decreased from just under five years in 2022 to just under three years currently. Community banks should carefully consider the prudence of such a strategy from both a risk and revenue perspective.

How To 195

How To Community Community Bank Marketing 195

Independent Banker

JUNE 30, 2022

Working through any difficulty or crisis at your community bank won’t be a walk in the park, but it may lead to an experience for which you’re truly grateful. As a community banker, you’re either going through a crisis or you’re preparing for one. And today, CAMELS are a main area of focus for our bank.

Community Bank 171

Community Bank Community Lending Training 171

PYMNTS

MAY 30, 2018

Financing of all sorts was on the downswing, and SMB owners began dipping into their own piggy banks before seeking a lending agreement. That finding comes care of data gathered by 12 regional Federal Reserve banks in a survey conducted over the third and fourth quarter of 2017.

Lending 115

Lending Community Bank Survey Community 115

NCR

MARCH 7, 2018

Over the last few years, a range of new competitors have emerged looking to take on legacy financial institutions by offering more agile, innovative banking solutions to consumers. However, these firms have long been barred from offering full financial services in the US due to regulations mandating the separation of commerce and banking.

Regulation 53

Regulation Retail Community Bank Community 53

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. percent-total-asset cap on credit union commercial lending that Congress purposefully put in place. Supreme Court if necessary.

Community Bank 70

Community Bank Community Lending Regulation 70

Independent Banker

DECEMBER 29, 2015

Since then, community banks have been struggling to understand all of the regulation’s various complex “moving parts” and how to best comply with it, says James Kendrick, vice president for accounting and capital policy at ICBA. ICBA supports strong minimum capital levels for all banks, including community banks.

Community Bank 70

Community Bank Community Capital Lending 70

Independent Banker

APRIL 28, 2016

Ruby Valley National Bank is not much different from other community banks, except our risk threshold is probably higher than most. Serving a marketplace with a population of 7,800, where cows outnumber people by five to one, our community bank has developed strong agricultural lending expertise.

Community Bank 70

Community Bank Community National Lending 70

South State Correspondent

APRIL 24, 2022

Banks have ceased using LIBOR to price assets and liabilities after 2021. However, some community banks are still deciding on the correct term lending index to adopt. Many banks are uncertain that they have chosen the best term index for their products and markets. Considerations For Choosing A Term Lending Index.

Lending 195

Lending Community Bank Community Marketing 195

FICO

OCTOBER 2, 2019

I would like to examine what I think ‘small banks’ (community banks, regional banks, and credit unions) can do to capture more market share of the small business lending market. I may use the bank for my checking and deposit bank or have previous lending experience with them.

Lending 40

Lending Marketing Community Bank Online 40

Independent Banker

JANUARY 31, 2019

The law includes commodity price protections that will give producers and community banks greater business-planning certainty over the next five years. million and provides for the possible increase in guaranteed USDA rural development loans—all of which are ICBA and community bank priorities. And while S.2155

Community Bank 70

Community Bank Wisconsin Community Texas 70

Independent Banker

DECEMBER 13, 2015

Troy Peters, Jonestown Bank & Trust Co. Competition and regulatory risk in car lending race off. Indirect auto lending has played a major role for Security Federal Savings Bank in Jasper, Ala. Half a dozen years ago, the community bank held $13 million in auto loans. Considering exiting auto lending.

Community Bank 70

Community Bank Lending Community Security 70

Independent Banker

NOVEMBER 24, 2015

Troy Peters, Jonestown Bank & Trust Co. Competition and regulatory risk in car lending race off. Indirect auto lending has played a major role for Security Federal Savings Bank in Jasper, Ala. Half a dozen years ago, the community bank held $13 million in auto loans. Considering exiting auto lending.

Community Bank 70

Community Bank Lending Community Security 70

Jeff For Banks

JUNE 2, 2023

The old borrow short, lend long strategy. I want to read to you the FDIC’s conclusion from their An Examination of the Banking Crisis of the 1980’s and Early 1990’s. In this regard, the bank regulatory agencies need to remain politically independent. Third, the regulators need adequate financial resources. What caused it?

FDIC 78

FDIC Community Bank Regulation Lending 78

PYMNTS

OCTOBER 17, 2017

ILCs are used to form industrial loan companies, better known as industrial banks. An industrial bank is an FDIC-insured depository institution that is generally subject to the same banking laws and regulations as any other bank charter type, with the important exception of the Bank Holding Act of 1956.

Industry 108

Industry Fintech FDIC Community Bank 108

PYMNTS

APRIL 7, 2016

In his annual letter to shareholders, Dimon went on, at some length, to say that the “mission-critical” services that big banks can supply are the types of things “regional and community banks simply cannot do.”. “In In 2014, the proposal was removed before it got to the voting stage.

Washington 100

Washington Regulation Leadership Community Bank 100

Abrigo

AUGUST 5, 2020

Solid loan grading systems must be carefully considered and defined, effectively communicated, and steadfast in both good and bad times. Loan grading scales, weighting, and adjustment levels should be a direct reflection of the institution’s credit culture and past lending experiences – especially those painful losses, Wear explained. “I

Management 195

Management Risk Management Trends Industry 195

Abrigo

MARCH 20, 2015

For the largest of American financial institutions – those that much of the public banks with for checking, mortgages and auto loans – stress testing regulations have been passed and executed to avoid a repeat of 2008. Bank health is also important on the surface level.

Texas 150

Texas Regional California Community Bank 150

Independent Banker

MAY 26, 2016

The so-called TRID rule took effect last fall, of course, and has since been the bane of many mortgage and compliance officers on Main Street. Whoever proposes any new regulations should first have to personally apply their proposals in a real-world bank setting.

Washington 70

Washington Iowa Maine Compliance 70

PYMNTS

JANUARY 31, 2019

is set to see its first new community bank in decades, as the Federal Deposit Insurance Corporation (FDIC) lent its approval for MOXY Bank to launch in Washington, D.C. With clearance to move forward with its plans, the community banking landscape will see its first new industry player in years.

Community Bank 122

Community Bank Community FDIC Marketing 122

Independent Banker

MARCH 15, 2015

Thoughtful lending and an open mind keep profits strong for incoming ICBA chairman Jack Hartings. The Peoples Bank Co. While out-of-town lenders gave money to customers requiring no down payments to buy overpriced homes that they couldn’t afford, Hartings, the president and CEO of The Peoples Bank Co. s main office in Coldwater.

Ohio 70

Ohio Community Bank Community Lending 70

Independent Banker

AUGUST 26, 2015

Legally and operationally, digital John Hancocks come of age in lending. Electronic signatures “absolutely” have helped PrivatePlus Mortgage expand its residential mortgage lending reach nationwide, says Lia Webster. Community banks and their customers don’t need to be concerned about the legality of digitally signed documents.

San Francisco 70

San Francisco Lending System Atlanta 70

Independent Banker

JULY 31, 2022

Fallout from recent global events presents an obstacle to generating revenue for community banks. Since COVID-19, profitability planning for community banks has mainly hinged on how the government was coping with the pandemic and the key role financial institutions played in keeping the economy afloat. By Elizabeth Judd.

Strategy 135

Strategy Community Bank Louisville Community 135

Gonzobanker

DECEMBER 19, 2017

One word can summarize this action-packed banking year, GonzoBankers – tiring. Heavy-handed regulators. Seriously, sit back with a pocket flask of Pappy Van Winkle, smoke a cigar (or your combustible of choice if you live in Colorado, California, Washington, Oregon, Nevada, Main or Massachusetts) and enjoy the 2017 GonzoBanker Awards.

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Conference Industry Community Bank Community 101

South State Correspondent

OCTOBER 28, 2022

Almost every bank and brand we spoke with will increase their investment in these two areas for 2023. This was followed by a focus on banking-as-a-service, embedded finance, open banking, Web 3.0, cyber, infrastructure, and regulation. Small Idea – Policy and Regulations are Lagging But Are Going in Banking’s Favor.

Conference 195

Conference Technology Las Vegas Trends 195

South State Correspondent

JULY 25, 2022

We have poured through the recent 2Q earnings releases, spoken with a rash of institutional bank investors, traded thoughts with analysts, and compiled the following list of concerns that bank stakeholders (employees, shareholders, vendors, and regulators) now have. Top Line Revenue & Lending.

Trends 195

Trends Lending Marketing Capital 195

Abrigo

APRIL 7, 2022

At recent Abrigo CECL Kickstart webinars, consultants demonstrated CECL implementation practices with an emphasis on the needs of community banks and credit unions. Once factors like the economy, new regulations, management changes, or even natural disasters are factored in, a greater allowance may be necessary.

Policies 195

Policies Data Examples Lending 195

Jeff For Banks

MARCH 29, 2014

(OTCQB: TBNC) "The Bank is a full-service commercial bank offering a broad range of commercial and consumer banking services to small- to medium-sized businesses, single-family residential and commercial contractors and consumers. The Company’s market consists of the communities served by its banking centers.

Strategy 101

Strategy Texas San Antonio Fort Worth 101

Independent Banker

DECEMBER 28, 2015

This upcoming year has a lot of good in store for our industry, because ICBA continues to pursue even more successes for community banks nationwide. Also, several beneficial regulatory-relief provisions from ICBA’s Plan for Prosperity on exam cycles, privacy notices and mortgage lending were enacted. Let’s leverage that.

Community Bank 70

Community Bank Washington Community Ohio 70

PYMNTS

JULY 3, 2017

The CHOICE Act rolls back regulations that Sullivan said can pin down a community bank and prevent it from serving its function. Community banks are spending more money and resources on hiring compliance people than they are on lending to their community,” he said.

Payments 113

Payments Bitcoin Compliance Community Bank 113

Independent Banker

NOVEMBER 30, 2021

Many hotels and other hospitality businesses haven’t fully bounced back from COVID-19 travel and safety restrictions, but community banks have been by their side through the challenges. billion-asset MainStreet Bank in Fairfax, Va. The bank also helped hotel operators obtain Paycheck Protection Program (PPP) loans.

Community Bank 209

Community Bank Community Texas Dallas 209

PYMNTS

JANUARY 20, 2020

Community banks are often the familiar faces of the financial services world, and when small businesses seek capital, their neighborhood financial institution can be a promising place to start. While they continue to play an important role in small business financing, the community banking market is drastically shrinking in the U.S.

Community Bank 111

Community Bank Community Lending Capital 111

Gonzobanker

NOVEMBER 18, 2014

With a focus on digital banking and branch transformation, it was interesting to see the attendee list with lots of sexy new customer experience and analytics titles. After Retail Delivery had some mushy general sessions a few years ago, this is the second year in a row we have seen some provocative stuff on the main stage.

Chicago 98

Chicago Retail Branch Design Training 98

Abrigo

AUGUST 30, 2016

According to Sageworks’ Bank Information resource there are nearly 12,000 community banks and credit unions across the United States. These main-street institutions employ and service millions of voters in towns both large and small, but are often overlooked and underestimated in the role they play in the political process.

Community Bank 150

Community Bank Community United States Policies 150

American Banker

DECEMBER 18, 2023

The Fed's Basel endgame draft rule would restrict access to capital and credit on Main Street.

Capital 41

Capital Maine Community Bank Community 41

PYMNTS

MARCH 12, 2018

Chamber of Commerce is voicing its support for legislation that would ease regulatory burdens for the nation’s community banks in an effort to improve access to funding for small business borrowers. According to reports, the Senate is expected to pass the legislation this week.

Community Bank 110

Community Bank Community Regional Regulation 110

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., It’s a strategy that an increasing number of community banks are embracing.

Marketing 113

Marketing Compliance Community Community Bank 113

PYMNTS

APRIL 9, 2016

“In today’s heated public dialogue, to frame issues as a winner-take-all fight between opposing interests: big versus small, Main Street versus Wall Street” is a tempting view, he wrote, but not one that actually adheres nicely with the contours of reality. financial services industry does not conform to simple narratives.

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Regulation Lending Omaha America 100