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.

Community Bank 195

Community Bank Community Security Capital 195

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.

How To 195

How To Community Bank Community FDIC 195

PYMNTS

JULY 31, 2019

The company revealed that David Kowach has been named head of Community Banking, while Jim Hays has come onboard as president and head of Wells Fargo Advisors. Andy Rowe is Enterprise Customer Excellence executive, and Elli Dai has been hired as Small Business and Personal Lending Group executive.

Community Bank 147

Community Bank Lending Regional Strategy 147

PYMNTS

APRIL 16, 2020

This week’s look at the latest in bank-FinTech collaborations and open banking initiatives finds a focus on small business lending: In the U.K., This week’s look at the latest in bank-FinTech collaborations and open banking initiatives finds a focus on small business lending: In the U.K.,

Data 167

Data Lending Regional Fintech 167

PYMNTS

OCTOBER 8, 2018

The impact of Europe’s General Data Protection Regulation ( GDPR ) continues to take shape roughly five months after taking effect, and Facebook could be on the hook for billions of dollars in fines tied to a data breach of about 50 million user accounts. Crypto Regulations.

United States 174

United States Regulation cryptocurrency Cleveland 174

PYMNTS

MARCH 11, 2019

With a permissioned blockchain network , services can be shared between credit unions, which could improve identification authentication and compliance surrounding regulations, know your customer, lending and payments. Under the plan, credit union members would be able to access the CULedger via a digital credential dubbed MyCUID.

blockchain 160

blockchain Regulation Community Bank Regional 160

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

American Banker

JUNE 27, 2016

Community banks and credit unions would be forced to stop making short-term, small dollar loans if the Consumer Financial Protection Bureau's payday lending proposal is adopted, two trade groups said Monday.

Community Bank 40

Community Bank Community Lending Groups 40

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

Independent Banker

FEBRUARY 24, 2016

As in past years, community bankers will continue to contend with a dynamic, highly competitive lending environment in 2016. Several trends have arisen that are likely to continue shaping the commercial lending market. Here are five commercial lending trends from some of the industry’s top commercial lenders.

Trends 79

Trends Community Bank Lending Community 79

Abrigo

MARCH 20, 2015

In the last several years following the Great Recession, the health of banks in the U.S. 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.

Texas 150

Texas Regional California Community Bank 150

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

MARCH 15, 2015

The ICBA and community bank campaign to improve those rules has included a comprehensive study on their impact that was released before the CFPB announcement of its proposed changes, which are expected to be formally adopted. Of course, this community bank victory is not the result of just one survey.

Washington 70

Washington Community Bank Community Survey 70

Independent Banker

JANUARY 31, 2019

I’ll be heading to the Wisconsin Bankers Association annual convention and the Independent Bankers Association of Texas regional meetings. The law includes commodity price protections that will give producers and community banks greater business-planning certainty over the next five years. As a community banker in Taos, N.M.,

Community Bank 70

Community Bank Wisconsin Community Texas 70

Independent Banker

FEBRUARY 24, 2015

The ICBA and community bank campaign to improve those rules has included a comprehensive study on their impact that was released before the CFPB announcement of its proposed changes, which are expected to be formally adopted. Of course, this community bank victory is not the result of just one survey.

Washington 70

Washington Community Bank Community Survey 70

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

Gonzobanker

JANUARY 17, 2020

Wells Fargo analyst Mike Mayo got a great deal of attention this year when he claimed that the coming decade will be “the biggest tech transformation in the history of banking.” For execs who climbed the ladder in finance, lending or branches, buckle in because the techies are about to steal the show.

Customer Experience 127

Customer Experience Fintech Regional Cards 127

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.

Community Bank 70

Community Bank Community San Diego Strategy 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

Jeff For Banks

APRIL 25, 2014

." - Gregory Schreacke, President of First Financial Service Corporation in Elizabethtown, KY on his bank''s sale to Community Bank Shares of Indiana, Inc. of Ocala, Florida on the bank''s sale to Heritage Financial Group, Inc. ." - Loralee Hutchinson, President of Alarion Financial Services, Inc. Our combination.

Community 95

Community New York Indiana Connecticut 95

Gonzobanker

DECEMBER 17, 2021

The merger of equals activity in 2021 was sky high, primarily because banks with pinched margins from low rates worked to grabbed scale. From nowhere, sizable regional players are being created. Bank Merger of the Year. Performance and multiples continue to be solid, outperforming most regional banks. You tell us.

Fintech 147

Fintech Strategy Leadership Lending 147

Celent Banking

MARCH 16, 2015

With interest rates low and new regulations following the financial crisis, banks are running incredibly thin margins, and traditional revenue sources are no longer viable. P2P lending), and new payment schemes. How do community banks grow deposits in a climate of shrinking deposit share?

Conference 100

Conference Retail Community Bank Community 100

American Banker

JULY 24, 2020

But lenders say lawmakers and regulators must do more to cut red tape. A new Small Business Administration notice explains what steps lenders must take to seek approval of their forgiveness decisions under the Paycheck Protection Program.

Regulation 92

Regulation Community Bank Regional Community 92

American Banker

MAY 31, 2016

The Consumer Financial Protection Bureau will unveil sweeping federal regulations Thursday for payday lenders that could open the door for competition from banks, while forcing lenders to move toward longer-term installment loans. Here's what to track when the plan is released.

Lending 28

Lending Regulation Community Bank Regional 28

American Banker

SEPTEMBER 2, 2016

New, stricter regulations on loans to active-duty service members take effect on Oct. Here’s a guide for getting ready.

Lending 31

Lending Regulation Community Bank Regional 31

American Banker

NOVEMBER 3, 2016

Regulators have pressed banks to watch out for rising concentrations of commercial real estate loans. Some banks have paid heed, but others are skyrocketing past recommended thresholds.

Lending 28

Lending Regulation Community Bank Regional 28

American Banker

DECEMBER 29, 2016

The commercial-and-industrial loan space is overheated, higher rates could stifle mortgage refinancings, and subprime auto delinquencies are on the rise. Bankers could be fighting these fires and more in the new year.

Lending 42

Lending Industry Community Bank Regional 42

American Banker

AUGUST 18, 2016

Heather Cox is moving to USAA; female regulators are gaining prominence in the online lending conversation; and asset managers are still fighting sexism at work (but then again, who isn’t?).

Lending 28

Lending Regulation Online Management 28

American Banker

AUGUST 8, 2016

Under pressure from regulators to beef up risk management in commercial real estate lending, banks are using new software tools to improve analysis.

Big Data 28

Big Data Risk Management Data Analysis 28

American Banker

JULY 11, 2016

Expect banks to pull back on energy lending in the near term, as regulators step up their scrutiny of oil loans and bankers approach the business with a "different attitude," says Mariner Kemper, chairman and chief executive at UMB Financial in Kansas City, Mo.

Kansas City 28

Kansas City Kansas Lending Regulation 28

American Banker

NOVEMBER 17, 2016

The Independent Community Bankers of America have asked a federal judge to reject a motion by the National Credit Union Administration petitioning for the dismissal of a lawsuit filed by ICBA that challenges recent revisions to the agency's member business lending regulation.

America 28

America National Community Lending 28

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

American Banker

AUGUST 30, 2016

The growth in loan demand and the industry's interest-related income has come in spite of continued pressures on bank profitability.

Lending 31

Lending Industry FDIC Community Bank 31

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

American Banker

JUNE 29, 2016

BancorpSouth Bank agreed Wednesday to a $10.6 million settlement with the Consumer Financial Protection Bureau and the Justice Department for allegedly discriminatory mortgage lending practices that harmed minorities.

Lending 34

Lending Community Bank Regional National 34

American Banker

APRIL 21, 2016

The Paris Agreement on limiting the rise in global temperatures opens up new lending opportunities related to low-carbon projects while highlighting an array of new risks for financial institutions.

Lending 28

Lending Community Bank Regional National 28

American Banker

MARCH 10, 2016

Not only are widening credit spreads for both banks and the companies they lend to a red flag, but the financial sector is also feeling a hit from lower energy prices.

Lending 28

Lending Company Community Bank Regional 28