South State Correspondent

JULY 10, 2023

One possible solution to this dichotomy is for banks to offer interest rate swaps to hedge individual loans. This article will review domestic banks’ adoption of interest rate swaps. Next week’s article will consider the challenges and possible solutions for community banks to adopt loan hedging programs.

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Community Bank Community Tools Management 195

South State Correspondent

FEBRUARY 27, 2024

Community bankers need to practice realistic loan pricing discipline. However, we need to understand the meaning of pricing discipline and its effect on community bank performance. Unfortunately, this is both incorrect and often leads to bank underperformance. Why do banks use RAROC loan pricing models?

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How To Community Bank Community Management 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.

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How To Community Bank Community FDIC 195

Independent Banker

DECEMBER 1, 2021

Here are some helpful tips and discussion points to assist you in core vendor management: . Start by meeting the entire team. Oftentimes conversations with prospective core providers will only be between the bank and the vendor’s sales representative. Vendor Management in Action . Read the story here. . link] .

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Management eBook Community Meeting 103

South State Correspondent

DECEMBER 8, 2023

Strike early and often to keep the customer building their relationship with your bank. We asked ten banks how they define small business and where it reports and got different answers. Many banks expressed frustration over keeping small business banking housed within the retail bank channel.

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Conference Retail Community Bank Technology 195

PYMNTS

JANUARY 23, 2020

million for his role in a scandal at Wells Fargo involving millions of fake accounts created to meet the bank’s sales quotas. The Office of the Comptroller of the Currency (OCC) said that there will also be a number of other individuals selected for punishment involving the fake accounts scandal, including other executives at the bank.

Community Bank 185

Community Bank Regulation Community Meeting 185

Jeff For Banks

JULY 6, 2013

Why don''t we play a critical role in solving the nation''s retirement problem? Retirement Assets Should Be Pooled and Professionally Managed. But I think Harkins'' group is suggesting more centralized control in defining "professionally managed". But I disagree with greater control of a national pension system in Washington.

Community Bank 106

Community Bank Community National Iowa 106

South State Correspondent

APRIL 12, 2022

As usual, it was full of insight that every community banker should consider. Our focus is on information that pertains to the community banking industry. The bank aims to be a responsible citizen at the local level in every community where it lends and takes deposits. 1) The Fed May Hike More Than Expected.

Community 195

Community Community Bank Leadership Lending 195

PYMNTS

JANUARY 23, 2020

million for his role in a scandal at Wells Fargo involving millions of fake accounts created to meet the bank’s sales quotas. The Office of the Comptroller of the Currency (OCC) said that there will also be a number of other individuals selected for punishment involving the fake accounts scandal, including other executives at the bank.

Community Bank 136

Community Bank Regulation Community Meeting 136

South State Correspondent

MARCH 16, 2022

If banking had an Olympics, creating loan value would be an event. The recent Fed meeting, with its hawkish tone, makes the sport of loan value creation even more important. One element that many commercial banks attempt to differentiate with borrowers is the prepayment provision (or sometimes the lack of one).

How To 195

How To Community Bank Community National 195

Independent Banker

SEPTEMBER 30, 2021

Changing customer banking habits means it’s more important than ever for community banks to use every tool at their disposal. Community banks may have longstanding relationships with their core vendors, but that doesn’t always mean they keep up to date on all the latest features and functionalities.

Community Bank 91

Community Bank Community Milwaukee Jacksonville 91

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

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). Nadine Cohen, Managing Attorney, Greater Boston Legal Services (Boston, MA). Clarksdale, MS).

DC 78

DC Mississippi Washington Oklahoma City 78

Gonzobanker

APRIL 10, 2017

And, increasingly, mid-size and community banks are looking to take on the Big 5 banks in corporate banking, particularly in offering cash management services. Being successful at meeting these needs and competing with the national banks requires a big step-up in knowledge, technology and support.

Management 74

Management System Strategy Examples 74

Abrigo

JUNE 5, 2015

The piece, titled “Why Banks Should Stop Fighting and Learn To Love Regulators,” suggests that while institutions of all sizes are grappling with increased scrutiny and regulation, the reality is that it is here to stay following the financial crisis. The practice of stress testing can also foster a more positive relationship with examiners.

Risk Management 150

Risk Management Community Bank Regulation Survey 150

PYMNTS

APRIL 8, 2020

As the nation’s traditional financial institutions struggle to cope, alternative lending platforms and other B2B FinTechs are exploring how to put their own technologies to good use. The new service from eOriginal connects lenders and investors to a platform to manage loans and digitize the lending process. Biz2Credit.

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Lending Fintech America Technology 245

Independent Banker

NOVEMBER 30, 2021

We asked both leaders and staffers to tell us what makes their community banks stand out as employers. Key Community Bank: Leading by example. Key Community Bank. At the heart of Key Community Bank’s work culture is connection. Greg Dennis, Key Community Bank. “We

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Community Bank Community Texas Leadership 164

Abrigo

FEBRUARY 25, 2022

However, many traditional community lenders will face real challenges meeting their lending goals for more business loans and higher yield, given expected interest rate hikes, higher non-interest expenses, and increasing competition for borrowers. It is the backbone of what many community financial institutions do, and they do it well.

Lending 195

Lending St. Louis Community Survey 195

Jeff For Banks

JULY 5, 2022

I was invited to speak at a bank client's annual meeting of shareholders on what I think a bank needs to do to thrive. By the way, so is your CEO and much of your management team. Initially, and maybe to this day, banks ignored them. Two percent is a big matzah ball out there to overcome and compete with Ally Bank.

Millennials 78

Millennials Community Pennsylvania Community Bank 78

Independent Banker

FEBRUARY 28, 2019

“Tim Zimmerman embodies what it means to be a community banker.”. Our theme is “Community Banks Turn Up the Volume,” and community bankers and our ICBA chairman Tim Zimmerman did just that over the past year. He wanted to take every opportunity possible to meet with bankers and share our positive message with others.

Community Bank 80

Community Bank Leadership Community Nashville 80

Gonzobanker

MAY 17, 2022

As technology buyers, banking executives need to up their game on tech purchases and technology performance management. For regional and community banks there has never been a more frustrating time to be a buyer versus a builder of financial technology. Mandate #3: Build a next-gen I.T.

Technology 135

Technology Regional Community Bank Community 135

Cisco

JANUARY 10, 2023

As a change agent serving the financial services industry for over 20 years, it is a great privilege to collaborate with Bank, Insurance, and Wealth Management institutions to devise and execute digital transformation strategy, solve complex business problems, and leverage technology to strengthen business results.

Digital Strategies 174

Digital Strategies Strategy America Innovation 174

PYMNTS

APRIL 30, 2018

National Small Business Week is this week in the U.S., and finance experts are celebrating with new data on the state of the entrepreneurial community. But analysts from Bank of America, Square, Navcom and the National Association for the Self-Employed warn that challenges for some SMBs have reached new heights, too.

Taxes 144

Taxes America National Community 144

Independent Banker

MAY 31, 2019

I was given a significant opportunity by the board and bank management—one I didn’t take lightly. Becoming bank president that early in my career motivated me. I was inspired to deepen my engagement, better support our customers and expand our role in our community. Rebeca Romero Rainey President and CEO, ICBA.

Community Bank 70

Community Bank Leadership Community Idaho 70

PYMNTS

JULY 17, 2020

He said that while small banks, credit unions (CUs) and regional players deeply fear being swept aside by the great digitalization wave that the pandemic has set off, their concerns aren’t actually unique to the financial industry’s smaller end. Instead, FIs must go digital in the ways consumers are seeking.

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Regional Cards National Trends 198

Independent Banker

JANUARY 31, 2023

Illustration by Maïté Franchi With educational sessions on hot‑button issues, inspirational speakers and beneficial networking opportunities, ICBA LIVE is the greatest community banking event in the country. Everyone leaves the event with new information in hand to put into action back at their bank.” New connections.

Honolulu 91

Honolulu Community Community Bank Leadership 91

Independent Banker

FEBRUARY 24, 2016

Greg Steverson (left) successfully manages a $100 million institutional investment portfolio for Ledyard National Bank in Norwich, Vt. Mikella Newsom (middle) successfully manages a $325 million institutional investment portfolio for City Bank in Lubbock, Texas. Investment principles of top bank portfolio managers.

Community Bank 70

Community Bank Community Texas Management 70

Jeff For Banks

DECEMBER 9, 2020

Start integrating the financial risks from climate change into governance frameworks, risk management processes, and business strategies. The OCC's proposal would apply to the largest banks (>$100B in assets) in the country that may exert significant pricing power or influence over sectors of the national economy.

Lending 78

Lending Regulation Community National 78

Independent Banker

JULY 29, 2016

These in-depth and timely professional development programs are designed exclusively for community bankers and led by nationally recognized industry experts who know the issues community banks grapple with. Each certification course is designed to prepare bank professionals to handle essential tasks and responsibilities.

Minneapolis 70

Minneapolis Community Bank Community San Antonio 70

Abrigo

FEBRUARY 16, 2016

notes that some nonprofits facing tighter funding from federal and state governments are turning to community banks for commercial loans and lines of credit. Failing to hold the nonprofit to proper financial management and reporting standards. Accounting and consulting firm The Whitlock Co. of Springfield, Mo.,

Analysis 150

Analysis Lending Community Bank Community 150

Independent Banker

FEBRUARY 24, 2016

“I know that unnecessary regulation saps the strength of community banks.” Federal banking regulators are always alert to emerging safety and soundness issues. So our examiners will be vigilant in evaluating credit risk, and banks of all sizes should be as well. Curry, U.S. Comptroller of the currency.

Community Bank 70

Community Bank Community Regulation Compliance 70

Gonzobanker

DECEMBER 22, 2020

Banks and credit unions had to fundamentally change their delivery, support and relationship management models at scopes and speeds that were unheard of. And how did community banks and credit unions respond to the COVID craziness? Jill is continually demonstrating just how loud a $300 million community bank can roar!

Idaho 172

Idaho Community Industry Strategy 172

Independent Banker

SEPTEMBER 25, 2014

This is particularly true for community banks preparing to undergo their next regulatory safety and soundness or compliance examination. Regulators and industry consultants agree that community banks are generally doing a great job handling their regulatory oversight and requirements.

Compliance 101

Compliance Regulation Community Bank Community 101

CFPB Monitor

SEPTEMBER 21, 2015

The CFPB announced the appointment of new members to its Consumer Advisory Board, Community Bank Advisory Council, and Credit Union Advisory Council. New members to the Consumer Advisory Board will serve three-year terms and new members to the Community Bank and Credit Union Advisory Councils will serve two-year terms.

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Groups Los Angeles San Francisco Community Bank 60

PYMNTS

DECEMBER 30, 2020

Nations’ paths toward real-time payments ubiquity therefore depend on FIs, FinTechs and other players adopting these systems and then extending access to other such firms. PYMNTS recently spoke with Jesse Honigberg , technology chief of staff at community bank Cross River , to discuss how the U.S.-based

System 161

System Payments Fintech User Experience 161

Independent Banker

OCTOBER 29, 2014

Meet Jack Bauhs, your next customer. And the great news, according to “American Millennials and Banking,” a major new study commissioned by ICBA, is that Bauhs and the 80 million other people in his generational cohort are prime potential customers for community banks. By Ed Avis. And technology is important to him.

Millennials 110

Millennials Community Bank social media Community 110

Independent Banker

SEPTEMBER 21, 2015

imberly Anderson, senior vice president and chief administrative officer of Cañon National Bank in southern Colorado, became her community bank’s loan compliance officer in 2003. In early 2004, examiners visited her $253 million-asset bank, an experience that revealed a need—someone with a stronger compliance background.

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Compliance Community Bank Community Training 70