Independent Banker

APRIL 30, 2022

Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own path to success. In true community bank fashion, each has its own story to tell and its own path to success.

Community Bank 172

Community Bank Community Montana Taxes 172

Jeff For Banks

APRIL 12, 2018

When I first read Standards Needed for Safe, Small Installment Loans from Banks, Credit Unions by the Pew Charitable Trusts that encouraged financial institutions to get back into small ticket consumer lending, I thought “what are they nuts!” So why would banks expand small-ticket, unsecured personal lending?

Lending 60

Lending Resources Community Metro 60

Abrigo

MAY 5, 2017

How are you going to know if the institution even lends to your industry unless it says it does? Providing information will help the borrower have realistic expectations and address some concerns with transparency and communication.” Imagine you are a business borrower looking for a loan,” he said.

Survey 150

Survey Online Lending Taxes 150

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. By Howard Schneider.

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. By Howard Schneider.

Community Bank 70

Community Bank Lending Community Security 70

Ublocal

MARCH 14, 2022

As a homeowner, there may be times when you question the advantages of ownership as you calculate the annual amounts you spend on property taxes, home repairs, homeowners’ insurance, and mortgage payments. If you’re unsure of your home’s value, the lending team at Union Bank can help you determine the current amount of equity in your home.

New Hampshire 52

New Hampshire Vermont Taxes Cards 52

Independent Banker

FEBRUARY 24, 2016

Investment principles of top bank portfolio managers. Community bank institutional investment portfolio managers have been put through their paces the past several years. Yet that is exactly what many community banks have accomplished. Greg Steverson, Ledyard National Bank. By Karen Epper Hoffman.

Community Bank 70

Community Bank Community Texas Management 70

Independent Banker

JULY 30, 2015

The Independent Bankers Association of New York State has been actively advocating for several initiatives to enhance community banking and the communities and customers our members serve. These increased burdens and costs have had an impact on the number of community banks.

Community Bank 70

Community Bank New York Community Taxes 70

Independent Banker

JULY 30, 2015

In Texas, data security, debit card surcharges and compensation for records searches become legislative issues. Some of the most pressing issues this year involved data security breaches, patent trolls, debit card surcharges and reimbursements for litigation records search requests. Data security breaches. By Steve Scurlock.

Data 70

Data Texas Community Bank Taxes 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. 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.

FDIC 78

FDIC Community Bank Regulation Lending 78

Jeff For Banks

SEPTEMBER 13, 2015

Since his joining the Board, the bank has stabilized, returned to profitability, recaptured it's deferred tax asset, and NPAs/Assets have declined to less than 3%. Selection: Mitch Englert, EVP of Community Banking, Capital City Bank Group, Inc. They "received" their funds, and lent it into their communities.

Community Bank 60

Community Bank Lending Community Security 60

Independent Banker

FEBRUARY 25, 2015

Community banks, which will continue to face a growing number of senior customers with everyday cash needs and built-up home equity, should explore this niche lending opportunity, two community bankers providing these specialty loans suggest. The bank has a goal of closing 100 reverse mortgages each month this year.

Trends 70

Trends Community Lending Community Bank 70

PYMNTS

JUNE 28, 2016

There are the traditional routes, like small business bank loans, and then there are the alternative and online lending sources. Banks are, by and large, the most common source for financing for SMEs surveyed by Pepperdine and Dun & Bradstreet. Small businesses have a multitude of options when they need external financing.

Capital 106

Capital Lending Survey Cards 106

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. By Kelly Pike.

Ohio 70

Ohio Community Bank Community Lending 70

Independent Banker

SEPTEMBER 22, 2015

Avoiding potential lending hazards from regulatory flood-insurance requirements. In June, five federal agencies (including FDIC, Office of the Comptroller of the Currency and the Federal Reserve) announced approval of a final rule that modifies regulations applying to loans secured by properties located in special flood hazard areas.

Regulation 70

Regulation Policies Community Bank Taxes 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

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

South State Correspondent

OCTOBER 4, 2023

Having to pay near SOFR rates will give you a false sense of security, cost you more in the long run, and slowly erode franchise value. Marketing is one of the largest value drivers in banking. You can’t get ten triple-digit project ROIs in a row in lending, credit, mortgage, wealth, insurance, or several other areas.

Marketing 195

Marketing Taxes Training Management 195

South State Correspondent

MAY 1, 2024

With financial hardship, competition from dominant players, and a startup budget, Gentle Monster faced many of the same challenges as a community bank. How Banks Can Leverage: Niche markets abound in banking, and community banks are in the perfect position to create a following on a national level should they desire.

Innovation 195

Innovation social media Branding Marketing 195

South State Correspondent

JULY 25, 2022

Top Line Revenue & Lending. Quality Growth: Banks should start to emphasize core quality growth over absolute growth. If growth is predicted to be relatively strong for the rest of the year, stakeholders want to hear how the bank is “buying” that growth other than expanding credit. Real Estate Lending. and beyond.

Trends 195

Trends Lending Marketing Capital 195

MyBankTracker

NOVEMBER 25, 2020

Whether you’re getting a personal loan through a big bank, a credit union, a community bank, or an online lender, most financial institutions have a pre-qualification form on their website for you to complete. You’ll also provide your Social Security number. This is a basic form that starts the process.

How To 52

How To Cards Report Payments 52

Independent Banker

JULY 8, 2015

Absent Congress actively changing the law, however, the Supreme Court has issued a decisive opinion that sets an important precedent on the disparate-impact issue for community banks and the rest of the financial services industry. The case in question— Texas Department of Housing and Community Affairs v.

Washington 70

Washington Policies Community Community Bank 70

Fintech Labs Insights

AUGUST 1, 2016

Bankjoy offers developers a banking API for a modern, real-time, holistic interface for credit unions and community banks. Daon bridges convenience and security by offering financial services companies a mobile biometric authentication platform that turns a smartphone into a mobile capture device.

How To 12

How To Analytics Millennials Data 12