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Rebeca Romero Rainey: You are the backbone of our nation’s financing

Independent Banker

When I think about how the lending market has changed over the past decade, there is one consistent theme—community banks have been, and continue to be, the backbone of our nation’s financing. Despite regulatory hurdles and increased competition from nonbank providers, community banks thrive in both consumer and commercial lending.

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The case for end-to-end digital lending

Independent Banker

“I’m not sure how we would have processed all of the PPP loans and everything else in the last 18 months without some of the technology that we have implemented,” says Chris Jundt, senior vice president and chief lending officer at First State Bank & Trust. Northpointe Bank in Grand Rapids, Mich., Cashing in on efficiencies.

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Valuing Our Client’s Success

Independent Banker

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. We are more than a community bank; we are a community prosperity engine.

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The Big Gorilla

Independent Banker

Far more than any other issue, regulatory compliance is the biggest challenge community bankers experienced in 2015, with 43 percent naming it as such in ICBA’s State of the Community Banking Industry survey. First Security, a $180 million-asset community bank in New Salem, N.D., Making adjustments.

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What Goes Up …

Independent Banker

Coping just fine, community banks in energy-producing regions manage the oil-price plunge. Yet community bankers serving the oil industry say they’ve been expecting a drop in the notoriously cyclical price of crude. Pat Hickman, chairman and CEO of Happy State Bank, a $2.6 By Howard Schneider.

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Banking's Total Return Top 5: 2014 Edition

Jeff For Banks

through its subsidiary BNC National Bank, offers community banking and wealth management services in Arizona, Minnesota, and North Dakota from 14 locations. It also conducts mortgage banking from 12 offices in Illinois, Kansas, Nebraska, Missouri, Minnesota, Arizona, and North Dakota.

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Banking's Total Return Top 5: 2015 Edition

Jeff For Banks

The bank was hammered with credit problems during the financial crisis, as Michigan's economy was hit pretty hard. Between 2008-11, the bank lost over $200 million, and its equity base was cut in half. But management went to work. Selling branches, shrinking the balance sheet, raising equity, and working out bad loans.