South State Correspondent

FEBRUARY 8, 2023

The current yield curve presents various challenges for community bankers for revenue generation and risk management. In this article, we will outline the significance of the yield curve shape and what it may portend for community banks. The second is the term premium theory.

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Community Bank Community Risk Management Strategy 195

PYMNTS

NOVEMBER 17, 2017

Think of banking and you might think of lending and deposits, where firms make money on the spread between what they pay savers and what they take in from borrowers. But banks cannot live on interest alone. Additional financial products and services must round out traditional banking activities.

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Community Bank Community Cards Lending 115

Abrigo

SEPTEMBER 7, 2023

Adapt to a dynamic banking environment with real-time lending & credit data Lender dashboards and reports showing the lending pipeline, pricing trends, emerging risks, workflow bottlenecks, etc. You might also like this on-demand webinar, "Identifying emerging CRE risks." Explore Abrigo Connect.

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Report Lending Trends Data 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. We also shared a table that summarized the two strategies.

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How To Community Bank Community FDIC 195

Abrigo

JUNE 5, 2023

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. They help manage and shape strategy in volatile economic and industry conditions.

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Report Risk Management Capital Data 195

Abrigo

OCTOBER 23, 2014

But how can this growth be managed appropriately? CEIS Review , a New York-based bank consulting firm, highlights the shift in a recent article. Community banks certainly want to remain conservative with risks and follow regulations. Blog Bank Credit Union' First, independence and objectivity are critical.

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Risk Management Management Lending Resources 186

ABA Community Banking

SEPTEMBER 29, 2021

On the latest episode the ABA Banking Journal Podcast, Berkshire Bank President and CEO Nitin Mhatre discusss Berkshire Bank's "BEST Community Comeback," a new $5 billion ESG-focused initiative at the Massachusetts-based midsize community bank.

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Community Strategy Massachusetts Community Bank 81

Gonzobanker

FEBRUARY 23, 2022

A financial institution’s Banking-as-a-Service strategy needs to be more than an extra credit project for the I.T. The Banking-as-a-Service (BaaS) gold rush has clearly begun. Early adopters are earning prestige while investors and a hoard of community banks explore the opportunity to tap into this new source of revenue.

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Community Bank Strategy Risk Management Fintech 133

Abrigo

DECEMBER 2, 2021

Indeed, deposit levels to transaction accounts among community banks exploded 74% to $896.5 31, 2019, and June 3, 2021, according to the Community Banking in the 21st Century report. You can also incorporate the results into the asset/liability management model and develop stress testing scenarios down the road.

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Conference San Antonio Lending Fraud 195

Abrigo

MARCH 6, 2017

Sageworks (which is also on Twitter at @Sageworks ) has identified 15 must-follow Twitter accounts for banking professionals. 1) @davidpoconnell – David O'Connell is a former commercial lender and a senior analyst at Aite Group, where he covers commercial banks and their use of analytics. Learn more here.

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social media Lending Community Community Bank 150

Abrigo

DECEMBER 17, 2021

This may be an easier task for institutions with a culture of innovation – rewarding and supporting new ideas and creative strategies. For banks and credit unions, this often means a deep understanding of regulations and compliance and adhering to the institution's risk management standards. Lending & Credit Risk.

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Fintech How To Innovation System 195

Abrigo

OCTOBER 20, 2020

The banking industry has faced many challenges in 2020, from transitioning to CECL, managing Paycheck Protection Program loans, and navigating an unprecedented economic recession. More than 500 banking professionals across the country gathered for a two-day 2020 ThinkBIG: Manage Risk.

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Management Lending Community Strategy 195

Abrigo

MARCH 23, 2015

It is only natural for community banks to have loan concentrations that result from the market(s) they serve and the markets they pursue. In today’s times, a high commercial real estate (CRE) concentration is often the result of community banks pursuing opportunity in the market. Blog Bank Credit Union'

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Community Bank Risk Management Community Analysis 150

Abrigo

APRIL 19, 2016

In the paper, the OCC defined responsible innovation as: The use of new or improved financial products, services, and processes to meet the evolving needs of consumers, businesses, and communities in a manner that is consistent with sound risk management and is aligned with the bank’s overall business strategy.

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Innovation Fintech Risk Management Community Bank 150

Abrigo

APRIL 22, 2024

Recent dynamics of the small business lending market A deep understanding of the small business lending landscape and potential efficiencies can help banks and credit unions grow their portfolios. You might also like this guide for smarter, faster small business lending.

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Lending St. Louis Community Marketing 243

Abrigo

MARCH 6, 2015

While federal regulators only require this small number of banks to be subject to these particular stress tests, as outlined in the Dodd-Frank Act following the economic crisis of 2008, stress testing is becoming a critical part of financial institutions’ risk management strategies, regardless of their asset sizes.

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Risk Management Capital Community Bank Regulation 150

Abrigo

MAY 5, 2022

Thankfully for bank and credit union executives, lenders, risk managers, and Bank Secrecy Act (BSA) Officers, banking podcasts and podcasts for credit unions are plentiful, and options are growing. Some recent episode titles include: “Should Bankers Fear Apple’s Future Growth Strategy?” keep me informed.

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Community Lending Maine Resources 195

Abrigo

AUGUST 5, 2020

Many of the goals and strategies financial institutions had put in place earlier this year have been upended by the coronavirus pandemic. Now, banks and credit unions must determine how to safely and effectively manage risk in the portfolio while also driving growth at their institution. Portfolio Risk & CECL.

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Management Risk Management Trends Industry 195

CFPB Monitor

SEPTEMBER 21, 2020

Last week, the CFPB announced the appointment of new members to its advisory committees: Consumer Advisory Board (CAB), Community Bank Advisory Council (CBAC), Credit Union Advisory Council (CUAC), and Academic Research Council (ARC). Nikitra Bailey, EVP, Center for Responsible Lending (Durham, NC). Bank (Minneapolis, MN).

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Abrigo

OCTOBER 30, 2015

With the recession fading into the more distant past, banks – in particular, community banks – have seen several years of loan growth. Banks, according to Comptroller of the Currency Thomas Curry, are starting to reach for additional growth by lending to less creditworthy borrowers, a move that increases risk to the institution.

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Lending Trends Risk Management Community Bank 150

Jeff For Banks

DECEMBER 9, 2020

Start integrating the financial risks from climate change into governance frameworks, risk management processes, and business strategies. But the report does suggest that financial institutions in their annual reports disclose all of the above, including how much lending they do to climate related industries.

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Lending Regulation Community National 78

Independent Banker

MAY 2, 2016

At The Bank of Tioga, we preserve the local touch and serve our clients and communities well. We ignite prosperity in all the communities we serve through community reinvestment, lending to local businesses, and providing educational opportunities for the community and our employees. The Bank of Tioga.

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North Dakota Community Bank Community Risk Management 70

Gonzobanker

NOVEMBER 2, 2023

Pillar #2: Leaders Transcend Daily Hustle to Build New Systems Most regional and community banks grew up executing the fundamentals with sheer hustle and hard work. risk management and operations, trust becomes the fuel to move quickly across organizational lines, and trust becomes the personal currency of leaders.

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Leadership Industry Management Resources 158

Independent Banker

NOVEMBER 25, 2015

Regardless of the name, nonbank technology firms are wedging themselves between community banks and their customers by offering a slew of traditional and nontraditional banking products. This is why ICBA and community banks must continue to push consistent regulation of bank and nonbank financial service providers.

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Community Bank Community Analytics Lending 70

Gonzobanker

DECEMBER 22, 2020

And how did community banks and credit unions respond to the COVID craziness? Financial institutions went from having no PPP lending program at all to funding their first loan in 90 days – and this with literally last-minute regulatory guidance. The Tiny Bank that Did It Award UBank of Texas. Legacy banks need not apply.

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Idaho Community Industry Strategy 181

Abrigo

JANUARY 29, 2016

Officials with the banking regulatory agencies recently outlined best practices they encourage as they relate to evaluating an institution’s fair lending risk, and one of those best practices was to document pricing and other underwriting criteria, including exceptions. That risk premium is all about strategy,” Ashbaugh said. “It

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Capital Philadelphia Policies Strategy 150

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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Community Bank Community Baltimore Lending 60

American Banker

MARCH 30, 2016

The management team at Western Alliance Bancorp. The company's pending purchase of a large loan book — and expansion into national hotel lending — will be scrutinized in coming years. has decades of experience with hotel development.

Risk Management 28

Risk Management Management Lending National 28

Gonzobanker

DECEMBER 17, 2021

We know the customer buying and use of financial services is being fundamentally changed by fintech, but our long-term strategies to invest/partner/buy/compete are very much works in progress. The Bank That Gets Fintech. Goes to Larry Mazza and the crew at MVB Bank in West Virginia. Has it worked? 82% to over 2.3% Inspirational?

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Fintech Strategy Leadership Lending 147

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. Who would’ve thought lending $1 million to a San Francisco cab driver to buy a house at 100% loan to value would go bad? We took a serious reputational hit.

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FDIC Community Bank Regulation Lending 78

CB Insights

FEBRUARY 20, 2020

All told, they raised over $15B in 2019, in addition to forging new high-profile partnerships, spinning off new ventures, and evolving their products and strategies. According to CB Insights market sizing data , the global market for IT for banking, financial services, and insurance (BFSI) industry is projected to reach nearly $150B by 2022.

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Fintech US Lending Cards 80

ZootBlog

NOVEMBER 11, 2015

Their strategy is to develop such strong muscle memory that when they are in competition, their body executes flawlessly. So what does this have to do with banking? In today’s environment, as banks manage increased regulation and competition from industry outsiders, they must operate in the same fashion. Everything.

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Innovation Fintech social media Knowledge Base 60

Jeff For Banks

FEBRUARY 1, 2019

Indeed, banks generally pull back on lending if longer-term loan rates are less than their cost of funds, which are generally based on shorter-term rates. It is actually a good strategy. Dorothy has been with Penn Community Bank and its predecessor since November, 2004.

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Marketing Community Bank Community Risk Management 60

Abrigo

MAY 8, 2024

Seeing generative AI use cases can help bankers, risk managers, and financial crime professionals better understand it. They can more easily consider how to harness genAI's power to enhance their operations, compliance, risk management, and member or customer experience.

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Examples Fraud Resources Risk Management 195

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Financial institutions generate most of their income by lending and investment activities. Community banks target growth. Drive growth with integrated risk management.

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Community Bank Community FDIC Trends 195

American Banker

SEPTEMBER 28, 2016

LOUIS – Risk management is critical as small banks aim to make money in a low-rate environment.

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St. Louis Chicago Risk Management Management 28

Independent Banker

OCTOBER 28, 2014

In a world where information can be the most valuable currency, community banks are gathering more of their internal data. a bank software provider in Cedar Park, Texas, most community banks gather data well for reporting purposes. Drew McMullen, a partner and managing director for Sense Corp.

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Data social media Community Bank Community 88